MISER

Powering Community Banks

The MISER^® system is a comprehensive core processing solution that gives commercial institutions unprecedented flexibility, integration, scalability and reliability. With MISER, your bank can service retail and commercial customers, speed up processing, manage workflow and automate many of your institution’s functions.

MISER fully supports your customer relationships by providing a comprehensive view of your account holders from a single desktop. It further helps you strengthen your loan portfolio while mitigating risk, and enables you to maximize income on deposit accounts. Its built-in general ledger application automates posting functions and ensures accurate transactions, while its financial accounting and reporting functionality supports your efforts to manage your institution effectively and strategically.

The best of all worlds, MISER optimizes the Unisys ClearPath^® server, which is based on cellular multiprocessing (CMP) technology that blends the capacity and reliability of the mainframe with the convenience of Windows^® applications and the speed of Intel^® processing. 

Open. Integrated. Advanced. MISER is designed to power your business – the way you want to do business – meeting your specific functional requirements while delivering the synergies across your enterprise needed to excel in your markets. More than a data processing system, MISER is the foundation for delivering the comprehensive products and services you need – individually as departments and collectively as an organization – to be the single source of financial solutions for your customers.

MISER Branch Automation

In the quest to create and maintain a proactive sales and service environment, one thing is certain: you must have the ability to view and truly understand your relationships with your members, as well as with your prospects. After all, these relationships are your most important asset, and every interaction is a golden opportunity to attract new business, increase loyalty and grow your credit union.

MISER Branch Automation was designed to give you this comprehensive view. The system’s robust and intuitive workflow management tool allows you to build multi-step workflows that lead users through a process of steps, much like the wizards found in Windows^® applications. At any time your representatives can view all the tasks assigned to themselves, their staff and their team, and they can re-assign them as necessary.

• Contact management – This powerful branch automation solution also includes a centralized database that allows you to store complete information about all your contacts. Each time a member interaction takes place, a contact history record is created, stored and available to everyone in the institution.
• Referral management – This built-in component makes it easy for your employees to act on opportunities when a member expresses interest in a product or just appears to be good prospect. Users can generate referrals, assign and re-assign them to individual users or teams and add notes along the way. Further, the system includes a tab that allows individuals or teams to view and manage referrals that have been received, sent and completed.
• Prospect management – Also built in is an efficient and easy-to-use repository where information about potential new members can be stored and targeted for future marketing campaigns, with the ability to pre-set follow-up requirements.
• MISER Business Intelligence - Provides a full array of executive-level, financial, channel analysis and credit risk reports; and
• MISER CRM - Helps you progress sales from inception through closure using its built-in campaign management and objectives management components.

AccountFolio, our integrated loan and account/portfolio management software, centralizes and consolidates collateral data, making customer information easily accessible and allowing lenders to see critical information before releasing additional funds. Customer information is viewed in one relational data set that provides a comprehensive snapshot of the customer's entire loan portfolio.

Vision's advanced report storage and retrieval system permanently stores vital information on CD. Our 32-bit technology provides 100 percent protection against data loss and ensures recovery in the event of a disaster. With Vision, an institution becomes more profitable, productive and efficient by eliminating microfilm and microfiche, reducing labor costs, lowering storage costs, and enhancing customer service response time.