At VALID Systems, we tailor our innovative solutions to meet the unique needs of your financial institution, ensuring that you stay ahead in a competitive market. Our expertise bridges the gap between advanced analytics and tangible revenue, transforming your data and strategy into actionable results. Partner with us to elevate your operations with precision and excellence, driving growth and exceeding customer expectations.
Designed to proactively tackle evolving fraud and risk trends, our innovative product suite gives your financial institution the edge it needs to excel. By staying ahead of current and future challenges, we ensure that your operations remain secure and efficient. Safeguard your assets, boost your institution's success, and maintain a competitive advantage in the ever-changing financial landscape when you partner with VALID Systems.
Transactions
Enhance your banking operations and elevate customer satisfaction. We understand the critical importance of check deposit processes, which may be inefficient and prone to significant losses and customer dissatisfaction. Our solutions are expertly crafted to transform this challenge into a strategic advantage, boosting security and delivering the seamless experience your customers demand.
InstantFUNDS
InstantFUNDS©
Boost client-elected fee revenue by providing customers with choice and transparency in every deposit. With VALID seamlessly integrated into the deposit process, our solution makes sub-second decisions on each check. Approved items can be offered to customers with a nominal convenience fee for immediate, guaranteed funds. We ensure protection against returns for both the bank and the customer, delivering a trusted and efficient deposit experience.
Real-Time Loss Alerts (RTLA)
Real-Time Loss Alerts (RTLA)©
For real-time, high-accuracy intelligence on every check deposit, discover Real Time Loss Alerts. This innovative solution alerts you to over 75% of potential check deposit charge-offs with pinpoint accuracy, enabling you to implement efficient treatments at the point of presentment. Transform your deposit process with actionable insights that drive better outcomes.
InteliFUNDS
InteliFUNDS©
Eliminate check deposit losses from your balance sheet, streamline the deposit process, and deliver top-tier deposit services to your customers. Our innovative solution enables real-time decisioning for every check deposited, expediting up to 99% of items for instant availability while pinpointing the 1% that require a hold due to risk. With InteliFUNDS, any item approved for accelerated availability that later results in a deposit charge-off is fully covered by VALID.
Check Cashing
Check Cashing
From On Us and Transit checks to traditional check cashing, we cover it all. As the first company to cash a check through an ATM and the holder of 9 patents in check innovation, VALID leads the market with cutting-edge technology and unmatched expertise. Our services are fully guaranteed, with options for both verification and cashing. Whether you're a financial institution looking to cash checks for customers or an AFS provider or retailer offering traditional check cashing services, we have a proven solution that fits your needs.
INclearing Loss Alerts
INclearing Loss Alerts
We detect the fraud that others miss. When business rules and image analysis reach their limits, our advanced solutions step in. By leveraging behavioral analytics and machine learning, we accurately identify fraud without disrupting legitimate transactions, ensuring your good volume remains unaffected.
Liquidity & Lending
In the competitive world of credit, precision and fairness are essential. Our advanced credit solutions are built on these principles, utilizing sophisticated analytics to accurately and inclusively assess risk. We empower financial institutions to extend credit responsibly, enabling portfolio growth while maintaining trust and expanding opportunities for their customers. Partner with us to enhance your credit offerings and drive sustainable success.
ReadyCash
ReadyCash©
Small dollar lending done right. With thin margins and high risks, traditional small dollar lending can be cost-prohibitive for both providers and consumers. But by integrating automated behavioral analytics and machine learning decisioning, the value proposition is transformed. Our program is designed with technical flexibility, offering a low lift for providers while keeping program design in their control. This approach allows you to make smarter, more profitable offers at a fraction of the cost.
Credit+
Credit+
Enhance your credit underwriting process by integrating Credit+. Leverage advanced behavioral analytics and machine learning to analyze transaction data, helping you accurately assess creditworthiness and reduce risk in your lending decisions. Looking to grow your loan portfolio? Unlock potential opportunities within your existing DDA relationships with the power of Credit+.
Data Intelligence
In the information age, effective data analysis is key for success, and we excel in delivering top-tier solutions. Our Data Intelligence products offer deep insights and predictive foresight, empowering financial institutions with actionable intelligence. From forecasting trends to uncovering new revenue opportunities, our tools transform complex data into strategic value, giving your institution a competitive edge.
VALID Edge
VALID Edge
A trustworthy data partner to combat first-party fraud and keep your business compliant, developed using transaction data of 7 out of the top 25 banks.
Measure Predict Impact (MPI) Score
Measure Predict Impact (MPI) Score
Optimize and drive account portfolio growth with the MPI Score. This powerful tool allows you to measure, predict, and impact growth by providing valuable insights, such as future account value forecasts from Day 1 of account opening, attrition predictions, and new account activation analysis.
Client BI
Client BI
Leverage the expertise of our data science and data visualization teams to uncover the hidden value within your data, whether it’s related to payments, portfolio analysis, lending, or other areas, turning it into actionable insights that drive your business forward.
Financial Health Score
Financial Health Score
By focusing on actual behavior rather than perceptions, we can accurately assess the financial health of your customers, providing a clearer understanding of the impact of your products and services. Let us help you accurately measure your customers' financial health, eliminating the guesswork and enhancing the effectiveness of your offerings.
