BOK Financial Saves Millions of Dollars A Year with Paperless Check Processing
公司规模
Large Corporate
地区
- America
国家
- United States
产品
- webMethods Enterprise Service Bus
技术栈
- webMethods ESB Platform
实施规模
- Enterprise-wide Deployment
影响指标
- Cost Savings
- Productivity Improvements
技术
- 应用基础设施与中间件 - API 集成与管理
适用行业
- 金融与保险
适用功能
- 商业运营
用例
- 过程控制与优化
服务
- 系统集成
关于客户
BOK Financial Corporation (BOKF) is a $23 billion regional financial services company based in Tulsa, Oklahoma, where it leads the state in consumer and commercial banking. BOKF has full-service banks in eight states. Assets are centered in seven bank subsidiaries: Bank of Oklahoma, Bank of Texas, Bank of Albuquerque, Bank of Arkansas, Bank of Arizona, Colorado State Bank and Trust and Bank of Kansas City. The company has a single IT organization that serves BOKF operations across eight states and has a history of producing innovative cost-saving solutions that deliver exceptional customer service.
挑战
The Check Clearing for the 21st Century Act became U.S. law in 2004 so banks could process more checks electronically. Before this act, banks had to physically transport paper checks from where they were deposited to the bank that paid them. Now, instead, banks can process checks faster and more efficiently using digital images. BOK Financial saw this as a business opportunity to gain efficiency. However, the process of integrating the digital check processing system was complex due to the numerous back-end operational systems involved in depositing, validating, and handling errors and closed accounts.
解决方案
BOK Financial built an innovative Check 21 processing engine using Software AG’s webMethods Enterprise Service Bus (ESB) Platform. For the greatest possible efficiency, the Check 21 engine centralizes the processing of check images from locations across eight states. The engine also helps the bank launch new competitive services faster, such as accepting scanned check images from commercial customers. The webMethods ESB Platform made a potentially difficult integration easier. With the webMethods ESB Platform, remote branches securely send in a digital file of all the checks they’ve received that day. That evening, the Check 21 engine ingests hundreds of thousands of checks, which are then processed all the way through the system.
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