One of the most common remarks we hear from financial institutions around the country is that they need to do more with their web site.  Gen X and Gen Y consumers are demanding more advanced and user-friendly online solutions from their financial institutions. They are relying less on the brick-and-mortar branches to conduct their personal business. And their preferences are forcing financial institutions to make a commitment to increase loan and deposit volumes from these generations and compete in an online marketplace.

LKCS offers an affordable solution in eCommerce Manager (eCM) through our relationship with eDominate Inc. eCM can expand your online lending into a full-service, buying-cycle management portal for improved member/customer service.  It does this with:

• Buying-Cycle Research which consolidates community information and centralizes it on your Web site (e.g., local Realtors, home builders, auto dealers, auto valuations, etc.).
• Loan Product Matching which analyzes individual borrower’s goals and offers preferable loan solutions based on your product offering.
• Online applications for consumer, mortgage, and even commercial loans in one centralized platform, with identify-fraud prevention, automated pre-approvals, automated up-sells, and electronic transfer to your LOS (without re-keying or compliance concerns).
• Secure messaging features which allow users to store data and safely communicate with your institution during the lending cycle.
• Automated and individualized cross-sales that analyze individual borrower’s need and suggests matches for specific financial products.
• Community Advocacy that allows you to connect and promote businesses online and -- as a result -- generate fee income for your credit union.