The oFlows Platform allows applicants to use the built-in cameras on iPads, iPhones, or AndroidTM devices to copy and deliver all supporting documentation electronically. Applicants can also legally sign deposit and loan documents on their mobile and tablet screens, using fingers or styluses instead of pens and paper.

"The best way to get rid of paper is not to create it in the first place," commented Andera founder and CEO Charles Kroll. "But the oFlows Platform goes well beyond that. It brings consumer loans and deposits into a single, universal platform and breaks down the barriers between financial institutions' delivery channels. It makes the entire experience much simpler and easier than ever for customers and banking staff. "

Kroll also pointed out that Andera, with its 550+ customers and extensive network of technology partners, has years of experience in building interfaces with core banking systems. oFlows integrates with all leading systems used by credit unions and banks. The platform brings unique benefits to each key delivery channel:
• Branch: Representatives can leave their desks and counsel customers anywhere in the branch, using their iPads or other tablets to open accounts and originate loans.
• Field: Field staffcan book business easily wherever they go because they never have to juggle paper applications, clip boards, or scanners. The entire application process can be completed on the iPad®.
• Online: Online applicants can open accounts and apply for loans with the most convenient process ever designed, uploading supporting documents by using the built-in cameras on their mobile devices.