Webinar: AccuAccount + Unify: Today’s Best Investment, Innovation that Improves Operational Efficiency

Hello, and thank you for joining us for today's webinar. I'm Wendy Klein, VP of marketing here at Elegant, and today's webinar will focus on the theme of efficiency and cost savings. And today, we're going to highlight two of our platforms that are proven to deliver results here, Accu accounts for the life of the loan with Jen Mitchell and Unify with Alfred Givens for a modern and more simple approach to deposit. If you have any questions throughout, please type them in the chat box and go to webinar. We'll take q and a at the end of our presentation. And now without any further delay, I'll pass it off to Jen to get us started with AccuCount. Perfect. Good afternoon, everybody. Thank you for joining us on this this Thursday afternoon, to view our AccuCount life of the loan. So talking efficiencies, you know, when we, built Accu account, two of the main features of this product are imaging and the integrated exception management. So the way the there's several ways to get images into Acu account today, so we really wanna start with the efficiencies on that piece of it. And so to start, just talking a little bit about the barcode scanning. So this here is a way for you to get a large amount of documents into Acu account quickly. That's truly what this is. You can place this cover sheet on a completed customer and loan file, customer and deposit file, and drop it into a multifunction device scanner. When you do that, these barcodes will be read bar by a product called AccuCapture, and it'll start putting them into your customer page where they need to go. So this here just tells it what customer it needs to go to. Then we have the barcodes that actually will show tell it where it needs to go within the customer, so which document tab. So from a process standpoint, an efficiency standpoint, you go ahead, you put your document cover sheet, for your customer, your account, then you would put your document cover sheet telling it where it needs to go. You put the five pages of your OFAC, and then you'd have another one for your tax return. The tax return would go behind that and so on and so forth. We can also read, barcodes that are generated from doc prep systems. So we can instead of placing one of those those cover sheets for your, documents, you can actually just place these right into the file. So, again, from a process standpoint, taking that whole, paper file, dropping it into a multifunction device scanner, we start reading those barcodes and placing those documents where they need to go with an accu account. We also have a way for you to do bulk scanning. So if you wanted to eliminate using barcodes altogether, we have a product called Accu Image. This is a desktop scanning option. And you could take a whole PDF. Maybe you received this from, if you do attorney prepared loans, you can get that whole file, drag and drop it in here. And then you can start defining what pages and where they need to go. So you could pick pages one through through five, need to go to a financial. One through seventeen, need to go to a tax return, whatever it might be, and you can actually drag and drop and start identifying those documents. So more efficient in the fact that you're not having to have those bar codes cover sheets. You're able to take this PDF and break it apart, a little bit of a time saver by marking what documents they need to go to and what customer. And then we have a way for you to virtually print documents into Accu accounts. So this is nice for those end users, for those lenders when they might get some financials or tax returns from a customer instead of them having to go out and send that on over send that email over to somebody to put this into AccuAccount, or it may be, you know, print it and and send it on over to be scanned. They can actually just do a virtual print now into Accu account. So what this does is this allows you to look for that customer within our system. You can pick the customer. You can pick the document tab that you wanna send it to, and then all they have to do is upload and quit. Now that will go to a staging area where somebody with the proper permissions can pick those documents up and place them into Accu account. We actually have a quick move that that moves it quickly into that tab. Then we have our drag and drop feature. This is the way for you to get documents, electronic documents into Accu account directly into a document tab. You can do a PDF, right into that w nine. You can see how easy that is from a folder, right into that turning that document from a red to a green. And then we have our single scan. Again, just, an easy way to to just go right out to a customer, right out to a document tab, click the scan icon, and you can go ahead and scan that document. You can give it some, titling if you wanna do an update on there. You can add some comments. There's even a way to do dates. So several ways for you to get documents into Accu account from a paper standpoint, or an electronic standpoint. Then we have our integrated exception management. So this is where it all fits together. So if you were to decide that you wanted to move forward with Accu account for your imaging and exception tracking, what we do is is we come in here and we customize the system. We we configure it to fit your needs for your customers and your accounts. It's a financial institution. And when we do that, we also will go through and say, what documents do you have to have in the file? Those become what we consider a missing exception. As you start to gather them and put them into the system, it will start clearing those missing exceptions automatically for you. So your financial show up, clears that missing missing exception. Your, checklist shows up, it it clears that missing exception. So that's where that integration comes in. It automatically does that work for you. We also manage your expiring exceptions or expired exceptions. You can set true expiration dates on a document. I always like to use the UCC as an example. You have a UCC. It expires in five years. You can set a grace period to say, I wanna see it six months before it expires. Shows up on your report as an expiring exception. You go out there. You get your new UCC, put it into the system, move the date forward another five years. It clears that exception for you, and it will show back up in that five year time period again. Task exceptions. These are nice. This is another way for you to manage some tasks that might might need to be completed on a on a specific customer or account type. It also allows you to, put other free formed exceptions, such as maybe you're missing initials on page three of the promissory note. You can go out there, type in missing initials on page three of the promissory note, and it will be out there within your lender's and lending assistance dashboards where they can easily see that contact your borrower to get that information. All of our reporting is automated. You have the ability to schedule these reports to go out on a weekly, biweekly, bimonthly basis. They can show up on Monday mornings at eight AM or Thursday afternoons at four PM, completely dependent on how often they'd like to see those. And then the last piece of our exceptions is, obviously, you're trying to get this information from your customers, but we do give the ability to get notices. And those notices can be generated via email, or you can send it through letter requesting documentation from your customers that can then send it back to you via, a portal or bring in the paperwork documents to be put into Accu account. So a few of the big pieces that we manage outside of just the imaging is is getting that data from the core. We work with several cores, and bringing that data into the core keeps Accu account in sync. So any new customers, new accounts, they'll be within Accu account the next day, any changes to an existing customer or account. So it goes from, an open to a paid status. It obviously will come over, give us that new status, and it can even drive exceptions. So you can have active exceptions, and you can have paid off exceptions. So that core data is very important to us to keep us in sync with that along with with, balances and those types of things. Esign and LOF, these integrations allow us to bring in documents and data automatically. So through the nightly processing, rather than you having to print these or drag and drop them into Accu account, we would set you up with an interface, bringing those documents in automatically after that loan has booked. And then that way, when you come in the next day and you see your customer, you're also already gonna have the the documents started with these integrations. And then we have a product called Corelink, which allows you to go from anything else into Acu account. So you can be in your core. You wanna see what what documents you have existing for this customer or this loan. Hit control alt a, takes you on over into Acu account. You're able to view that information, especially if you have that customer right in front of you and you wanna make sure you have all your financials available to do in the loan. So we're gonna actually look at AccuCount very high level. We're gonna look at the paperless loan application, the customer page, and then the exception tracking and reporting. Alright. This is AccuAccount. What we've done is is we've made it like a paper file. We put all of the credit information, any customer documents over here on the left hand side, and all account documents are stacked over here on the right hand side. Focusing on the application, what happens is is when a lender or lending assistant wants to go ahead and add an application to the system, they have the ability to come out here. They would have the customer add this application. It defaults in an application number. But you can see where you can add in the loan type, the branches, application dates, amounts, and then you can route this application around so it becomes a paperless process. So you've gathered these credit documents, you've gathered these loan documents, and now they're within or these application documents, and now they're within Accu account with some data about that application to send to the next step. In this case, it's actually assigned to a credit manager, so they would go through, do their credit analysis. Once the loan is booked, we do have a way for you to convert those loans, to a booked loan or convert these applications to a booked loan. And once that is completed, you'll see what a customer would look like. So now we've done some imaging. We maybe scanned some documents. We did, maybe, some integrations with esign, those types of things, and now we have a complete file. This is what a brand new customer and account with images would look like. See, we have some red dots, green dots, and this is the layout that the that this specific bank had chose. So, again, this is customized. You could decide how you wanna see those credit docs, how you wanna see those loan docs. Alright. And then from the, from looking at this, you have a few different ways to view documents. You can click on an icon here, and it will actually open the document. So if we look at our certificate of good standing, have the ability to view that document there. Or we also have what we call our document thumbnail view. So just a little easier on the eye for you to view that information, verify documents. You can actually come through here, do a QC, a little again, a little easier on the eyes when you have that first page pulled up. Back on the list view, I talked about the integrated exception management. So as you look at this customer's page, you see the green and the red. Any of the green mean that there's something there, the red mean that it's missing. Those are probably tied back to an exception of some type. So if I wanted to view my exceptions for a customer right on the customer page, you know, maybe this Timmy's Boat Services is here and I'm visiting with them about a new loan, I have the ability to click on the exceptions tab here, view the true missing and expiring exceptions or expired exceptions, and I'd be able to share that information with them easily. Now I do have, a way to show you the drag and drop and how we can clear that missing exception. So let's say that Tim brought in his w nine today, so I'm able to clear that exception off of the list. So what I can do is I can take and I can just drag and drop that document right in. And once that turns to a green dot, now I can come back over and I could view my exceptions, and you can see I've cleared that missing w nine. So just a little high level of how that looks and how that works. Now along with the exceptions, you do have a few different ways to get exception reporting to the end users. One way to do that is is to actually send these emailed reports. So this is an emailed report that was sent out. It's Mary Shelley's report. She has two hundred and thirty three exceptions. She has the ability to work her exception report right from here. By clicking on a link, it'll take her over to that customer with an Accu account where she can view, add, information, add some notes, comments, whatever it might be on those exceptions. Or we do have our dynamic reporting that is available. Dynamic reporting really allows you to get any type of reporting. It doesn't have to be just exception data. It can be, any data that you wanna view, but these are customized. This gives you the ability to come out here and share reports with others. But I'm gonna look at this exception report by officer here. So same same idea, that emailed report came to me on Monday morning. This one is real time. I have the ability to come in here, view this information, and I could even group it so that it's a little cleaner for me to look at. Maybe I wanna see it by, officer and then maybe by an account type. So I can start grouping that data and see exactly what I want to. Working these exceptions the same way, you do have links that you can go back out to the customer, by clicking on that, clear your, your exception, or write your comments in there. On the, on the exception reports here, not only can you view them within your dynamic report, but you also have the ability to build out dashboards and view this information within a dashboard. So here, I have a dashboard for my loan applications, my exceptions, and my application pipeline, but I also have my tracking exception, dashboard that I've done. So exception by officer, my task only, and loans over within the last ten days. So, again, data and or exception information. Alright. So that concludes my portion of this on the ACCU account and and becoming more efficient, being able to view all that loan and exception information in one place, including imaging, application process. I'm now going to go ahead and pass it over to Alfred. Thank you. Thank you, Jen. Let me go to share my screen. Okay. I think I'm sharing my screen now. So you should see simplify simplify and modernize your deposits on the screen. So one of the things that that that, we have done here at Allergan, right, is we've we've kinda saw that most of the point of presentment solutions, including APIs, were designed, you know, ten plus years ago, for simple workflows. And in doing that, right, those were pretty much difficult to to modify, in order to incorporate additional workflow steps. As I'm showing on the screen here, the the the only thing that's different or that's the same here is the is the code line. So as we as the data goes through the different the different siloed teams, right, the only thing here that's, that's unique across all three is the is the colon of the items. And what we see is that you have multiple simple workflows implemented in the processing, and is geared to address different needs based on the different departments or groups. And in this environment, what happens most often is that critical data captured at the point of resentment is lost. And as the data is shipped down as this same data is shipped downstream, you know, to do additional processes, and as we know, right, what are the things that could lead to this? It leads to data that may only be fit for segments of of the organization and not for everyone. And, you know, in a worst case scenario, it becomes difficult for teams within the same financial institution to even collaborate easily and act on this set of data. As it relates to the cloud cloud banking or or or in a cloud based world, not all applications available today are cloud centric. Right? They can be hosted in the cloud, but the most important aspects of being in the cloud are not, you know, realized. Things like faster time to the market. Right? The ability to spin up new instances or retire instances in mere seconds, right, which aids in the acceleration of development. Scalability and flexibility. Can my application scale to to changes in volumes, or change in in activity? The cost savings piece. Right? Advanced security, data at rest and data in transit, are those are those secured by various methods, when we talk about DB transmission as well as security and transmission protocols. Data loss prevention, the the ability to do regular backups, and have mirroring capabilities to minimize and in some cases, you know, eliminate data loss. What we see here is that having this you know, being able to support a true cloud environment, right, leads to high high uptime for all the for all the components and processes that are in place, to support, you know, your production needs. So Allegiant is aware that, you know, as the needs and workflows are are changing and converging across all points of presentment, you know, we saw that it it's really it was really time to look at solutions that provide a comprehensive view on not only processing, but also being able to consolidate the data repository and reduce the number of applications deployed to support your different processing needs. At the core of all of this is a design that was well thought out in the sense that, you know, when, when we talked about Unify, we are talking about, you know, addressing all the issues that we see in the industry today and at different financial institutions because we wanna ensure that we're addressing these issues efficiency efficiently and by collapsing the the silos created due to, you know, past implementations and designs, as I mentioned, things that we've done, you know, that were that are available that were based on, you know, the ten, you know, ten plus years or twenty plus years development. And what we get, and what we have to offer is one API. And I use the word one. I'm gonna use the word one a lot in here. It's like one API and one database that supports multiple points of presentments, which leads to the data being uniform across the entire enterprise. And, one of the other things, in addition to that is the highest level of work is now a transaction. So we're no longer waiting on a batch to be completed. We're not we're not we're no longer waiting on a job to be completed. So what we see is that workflows and items going through the system flows much faster. You can clear faster. There are a lot of things that you can do when your transactions can, can flow to the system at a faster rate and not having to wait on batches and blocks and jobs. So this slide is just showing a a a view of our API that is designed to support all points of presentment channels. Some of the ones that that come to mind like branch, mobile, ATM, commercial remote deposit. And what is also great about the API is that it supports various flavors of processing. Think of, you know, being able to, capture, like, a mobile channel. Capture a balance in line and send the transaction over as opposed to a more complicated workflow like teller, which requires validation such as fraud lookup, user correction, and and other changes that needs to be done by the by the teller before the transaction can be committed, in the system. So this slide just kinda encapsulates everything that I've that I've said before that Unify offers. Right? This is more of a process. And, again, we're showing it in one diagram, one simple diagram, because, really, the the the workflow, it is it is that simple. It begins with the acquisition, you know, the different points of presentments, back counter teller, ATM mobile, commercial mode deposit, interactive teller, and so on. And then once those items are captured, it's it's sent through the business rules engine. And then everything that you need to apply to each of the points of resentments, you know, doing account number, account translation, account lookup, verifying that the RT is correct, verifying, doing lookup against amounts for limits. All those rules are part of the that engine, where every point of resentment is passed through. Plus there's, on top of that, there's a portal that you have, that you get a view of what is going on and the actions that you are able to to perform in the in the case of corrections, balancing, as well as creation of outputs. And then all the data points that are are saved, to our archive, which is then used for further reporting and business intelligence across days, months, and, you know, and years. And another design decision that we have included in Unify is the idea of blurring the lines between day one and day two. As you process items through the system and, again, one database, one one set of business rules, one API. What happens is that you can act on these items. You can act on return items on day one. You can act on, both outgoing and incoming returns. So this allows and, you know, that's why I mentioned about the blurring of the blurring of the lines between day one and day two because all your decisions can happen, you know, almost real time, on day one. So we're kinda removing the the idea of day one, day two, because of all the all the, efficiencies that we bring with the with with with Unify and being able to address items at a at a transaction level. So I'm going to move to the demo portion of this. So let me let me share my other screen for this. Okay. So what we have here is our portal, and we have, five pages that really display or give you an idea of what the actions that needs to be taken on a daily basis. But this first page is really where we display a high level view of all the activities activities in the system at that point in time. The information present on this one page include includes answers to the following questions, and we ask these questions all the time as part of our design decision in design process so we make sure that we are addressing the needs of our of our customers. The first question is how much work, you know, in terms of item count and amount has been captured for my point of presentment channels? That is displayed, you know, here in this transactions processed, widget. We show completed, open, and deferred transactions, because those are the the the processes that we support. Deferred transaction is the deferring a transaction is a means of starting a transaction, say, on a on a tablet and being able to defer it to the back office because not to the back office, but to someone in the branch because there are other, decisions that needs to be made on that. So all my points of resentment capture capture points, branch, mobile, ATM, and so on and so forth would be displayed in in this in this section. Then how much work have and in terms of item count and amount have been captured for channels from which we receive files, like incoming x nines, deposit x nines, XMLs from ATMs, and so on and so forth. So we display this, in this in this, panel. What we also do is we provide some form of color coding to denote what each of the widgets mean. So a color this blue color coding means, you know, work that is being ingested in the system. The next thing is how much work is left for the team or for users to complete for the business day. You know, when we talk about corrections, items that have failed validations that needs to be corrected, we display we display it on the screen as well. You know, balancing. How many work how how much work is left for our incoming returns users to address? How many work is left for outgoing returns users to address? So all those are are pieces that we all those are answers that, you know, questions that we we answer to the, provide answers to for the operation because they are they want to know, you know, how long is my day going to last. And the next piece is, you know, how many are all my outputs generated as configured as well as are there any issues in the system that we need to address. And going back to the pending work, you know, for code line corrections, for example, all of these actions are, all of these can be invoked from this portal. So I'm gonna go into code line corrections. Just a matter of clicking this link. It says open code line corrections. It takes you directly to the code line correction screen for you to make the necessary corrections based on the rule that was, that, you know, the the validation that failed. And the same thing for incoming returns, same thing for outgoing returns. For incoming returns, it takes you to the screen where you see all the files that have been, received. In this case, it's chargeback files. And then the user will be able to click on review items and go through the same process of making decisions whether to, charge back an item, represent an item, or mark an item as not our item. And then we have other information that is displayed as part of the returns process. For example, we can retrieve account information, If we have a web service or we receive the file with the customer information that we save in a, in a in its own secure database, we can pull information about the depositor so the user doing a review can, you know, have more information to make a a a more informed decision. We display the item code line as well as the image that's being returned, and then we show the addendums. As we know, as part of the return process, addendums is a big, you know we need to show the addendum so you can see the all the processes on and different FIs that the item has gone through. And as part of all our UI, as you will see, is that we have image controls as well. So you can flip, rotate, magnify, and we can show images in different formats. So all of those are are available. We also have filter options. So if you are only, interested in certain channel types, for example, incoming returns or mobile or in clearing, you can filter by those as well as you can filter by channel name. So just providing more info more, options for you to be able to, look at information that you that you are, that you're interested in. Another feature of the portal is that users can also, change the layout. So if you only want to see certain pieces of, certain widgets within the portal, users are able to, change it, remove widgets, add new widgets, based on their needs. And when they do that, that is saved with their persona. So if you're not interested in returns x nine output or deposit x nine output or you're not interested in seeing electronic files with, ingested, you can remove those widgets and save it to your post to your profile. So the next time you log in, you'll only see the the things that you're you're interested in. If you want to do a deep dive, for example, all my electronic files ingested is showing at a at a a high level here, just the completed totals plus the files. If you wanna, you know, do a deep dive and see where did all my in clearing files come from. This, this data collection page allows you to do that level of provide that level of detail by clicking on the electronic cash letter, link. You'll be able to see all the files that that came in, the item count, the total amount, as well as the status, and as well as the receive time. So it gives you that, you know, detailed view of, you know, what you, what you received for the day in terms of in clearing files. The other the other, the other page or tab that we have is outputs. So on the outputs page, you will we will display all the outputs that have been configured, for the system. So everything I just have examples here, but everything that is shown here is what has been configured for this system. So you can always generate outputs manually. We provide that that option. But for most of the requests that we've been getting is to be able to schedule them automatically. So we have different scheduling options for for our outputs. You're clicking on edit here. It shows you we have different types. You can schedule it based on an item threshold. You can set schedule it by amount threshold. So once the amount gets to a certain once the the the total amount of the items gets to gets to that threshold, we can generate, generate an output automatically. We can do it by time schedule. So if you wanna, you know, create an output, you know, at twelve, at three, at six in this case, you can do that. We also have the days, that it that it relates to. So if you wanna create outputs every day or on just uncertain days, we provide that ability. We also have interval schedule, and we have monthly schedule. So I know some reports you you may need just on a monthly basis. When that is scheduled when reports are scheduled for monthly, we have the what we do is that when it's scheduled to be created, say, the first of May, then it will have everything that was, the data included in the report will be everything that was done from April first to the to the end of April. So it has logic in there that that that calculates, you know, the the month boundaries, and provide the reports, as such. The other the the last the other thing is the alerts page. So I created a lot of alerts in here just to to give you an example. So for every alert, that's raised in the system, we also provide notifications. So notification is available for pretty much anything any changes to deposits or any changes to transactions. Say, for example, you need to you need to know, if an item is ready for corrections or a transaction is ready for corrections or a transaction is ready for balancing or a transaction is ready for, returns review. We we have the we have the notification process that provides that, you know, you can get an email or a text sent to users to let them know that work is available in the system. Same thing for the alerts page, for the alerts that are raised. We can provide notification to users or groups, if alerts were raised in the system, and we can and we can actually tailor the alerts or the alert category, to send to different groups, within the organization. So all the alerts are shown are displayed in the system. Users have the ability to to view the you know, we provide the message as to what what happened. We also as part of our knowledge base, we provide solution. So we can, provide information to you as to, hey. Here are steps or steps that you can take to resolve this issue. And then we we provide the ability for you to manually resolve the issue as we, as part of the resolution process. So the alerts are there for you to tell you when things when changes occur in the system and then, or or the notification are there, plus we have the alerts page that allows you to manually resolve these issues, that that arise. And then we have the search page. It's it's it's just the the basic search. I'm not you know, we're we're up against time, so I'm not gonna show you all of that. But it's the it's the be ability to search, items based on the code line, the ISN, as well as the channel type and channel name. So, you know, lots of flexibility there in searching for items, and this will be based on the retention in Unify. You'll be able to search across those days with the from and to date, and it provides you the the the the data that helps you to, whether you're doing research, or other things within the system. It helps you to to to give you the the information that that, to to facilitate that process. So that's the that's the end of my, demo. As I speak, I will just show you that. I do get the you you can see the image. It provides you information as to if where it was extracted to, what the file name was duplicate detection, overridden, did someone override image quality and pay name. So we provide some information. And this is a local search. We have the the the more robust, archive search and functionalities that are part of the the offering as well, the UNIFY offering, that provides more, and it has more functionality in terms of doing doing the research. But that concludes my, demo and presentation of UNIFY. Over to you, over to you, Wendy. Great. Thank you. So now, we will take some questions. If you have, anything to ask, please type it in the chat box and go to webinar. While we're waiting for this to come through, thank you, Jen and Alfred. As everyone can see from the demos, these platforms address very different areas of your business, but are all designed to bring efficiencies and savings, across the institution, really capitalizing on innovation and a modern platform approach. So let's take some questions. Jen, it looks like the first one is for you. Can I change the document layout on each of the loan types? So you absolutely can. When we go through your implementation, we will determine what you wanna see for each of your loan types and customer types, where you wanna see those, getting them multiple documents. So, yes, we we absolutely do have that ability based on your needs. Great. Alfred, let's take a UNIFY question, around deployment and configuration. Are there components that need to be installed on the workstation? Yeah. So, if if if it's a, if it's a teller teller implementation, for example, there's a small, service that needs to be installed, with lightweight service that needs to be installed, and that is just because we have to, interface with the USB scanner. But apart from that, users essentially, there's nothing that needs to be installed on the workstation. It's it's all it's all web based. So it's so it's pretty pretty lightweight, and, you can access it pretty much from anywhere. Great. Thank you. Let's take another Acu account question. Jen, this one asks, can I break apart a large PDF into the correct document tab? You can. So a few different ways you could do that. You can actually take one that's already existing in the product, pull it into Accu Image, and then tell it where you want those documents to go. Or if you received a large package from a third party or you scanned on a multifunction device, you can drag and drop that into Accu Image. It's a desktop app, that then you can pull it up and determine which documents you want on which customers. So you can even scan, like, a whole bunch of documents, you know, maybe ten or fifteen different loans and then define which where those documents need to go within Accu account and and the correct tabs. Okay. Okay. I'll put this call back to you. We have another UNIFY question. This one is asking about the migration strategy. How would a financial institution migrate to UNIFY for other channels such as teller or mobile? Yeah. So our the implement the the the integration with the API is, is pretty like I said, right, it's pretty straightforward, you know, simple approach. The migration normally includes us engaging with with the with the financial institution to set up, you know, the the the the security, for example. We're using mTLS. So that will that will require, you know, some, you know, work there to to get that in place. And then the rest of it is is just talking to our APIs as well as figuring out, you know, for the UI piece. Most of the integrations that we've that we've been doing have been, where we're integrating with, a partner that, where they're just use they're just making use of our APIs. So it's working with them to, implement the APIs within within their UI as well as we we also have, the u the the what we call the FSUI, integration. So that migration piece is is is normally, simple, simple and easy to to, to to get done. But, yeah, it's it starts with you know, the the major piece is the is the is the authentication, the the mutual auth that we support. And once that's in place, then the implementation of the UI or or of the API, becomes much easier. Simple. Thank you. And it looks like we have time for just one more question. Alfred, this is another one for Unify, regarding support for other payment types. Is Unify designed to accept and process any other payments, any payment types, excuse me, such as the new SUD Now offering? Yeah. That's a great question. So, yes, we are we are we are perfectly positioned to accept payment types. That's one one of the reasons, why Unify is so it's so it's it's it's it's so, relatable because, one of the mantras that we have is that Unify will be the last, the last system that the last the the the system that the last check will be processed on. So, yes, we have, we are actually part of the Fed showcase. So we are positioned to be able to, support customers who want to do, to want to, get on the FedNow, in in processing those ISO, two thousand twenty two messages. So, yes, the design the design, is is takes care of other payment types as well as I had mentioned. Great. Thank you. And with that, it looks like we are just at the mark, the two forty five eastern mark. So, I want to thank everyone for joining us today. We do have a handful of webinars coming up, on the calendar. So please take a look online at allogene dot com backslash events. All of the details and registration links can be found there. Have a great rest of your day. Thanks again, Jen and Alfred, and, we will talk to you soon. Thank you. You're welcome. Thank you.