Bill payment services broaden in 2014

For 2014, Ganart offers a broader span of bill paying convenience for self service customers. Ganart’s enhanced bill payment service went into service January 6th 2014. The service was deployed remotely over its TaaS network.

Paying bills at financial service kiosks is getting popular. Customers demand ease of use, speed, affordability and peace of mind that their bills get paid. Ganart’s broadened bill payment service was deployed to meet those demands.

Ganart’s bill payment service lets a customer choose from a greatly expanded list of popular billers and local billers. It’s improved search tool simplifies finding them. It’s short payment process gets a customer in and out fast.

Short list from 10,000+ billers available with enhanced bill payment service:

Georgia Power, Cricket Wireless, Pacific Gas & Electric, Southern California Edison, Florida Power & Light, Commonwealth Edison, State Farm, Farmers, Liberty Mutual, Allstate, AIG, Comcast, DirectTV, DISH Network, Time Warner Cable, Cox, Charter, Qwest, Cable Vision, CenturyLink, AT&T, Verizon, Sprint, T-Mobile.

Expanded service for expanded paying power.

  • Expedited payment support for rush payment of bills
  • Same day bill payment in many cases
  • Easy to understand interface and fee schedule
  • Predictive payment posting date of paid bills
  • Top payment speed stated beside the biller name.
  • Swift registration of customers
  • Powerful short listing of a customer’s previous billers for speedy payments

Making it easier to improve was also a goal for Ganart. The TaaS platform can send enhancements and local biller lists to selected neighborhood kiosks for customer payment convenience.

Pew study signals need for alternative to payday lending.

People are using Money Earned as an alternative to payday lending. We’ve offered it on our money everywhere kiosks for over 2 years. When we came across this article we felt pretty good about what we are doing here at Ganart. Our customers don’t have to worry about becoming part of the statistics this article showcases. They also don’t have to worry about losing 30% of their income if their company offers Money Earned.

Read- Pew: Payday Loans Consume 30% Of Income In 35 States

Ganart recognized the dearth of small-dollar credit available to low- and moderate-income (“LMI”) consumers in the United States. Banks have largely turned their backs on providing loans to the LMIs due to regulations. LMIs currently have few credit options other than short term, high-priced payday loans.

As the study states, they take more than they need and don’t pay it back quickly.

Money Earned fills that dearth by NOT giving credit.

Money Earned customers can get the actual money they’ve earned during the week, when they want and as little they want.

It’s possible to take as little as $20. The Money Earned processing charge (7%) and the $20 is subtracted from the paycheck.

It’s pay day any day.

Money Earned allows employees to manage their actual asset that is their earned, but not yet paid wages It’s not a lend on the future. It’s gaining on what’s been done.

Employees just never were able to get their pay on their own terms easily. Now they can if their employer has Ganart money everywhere with Money Earned.

With Money Earned, all you have to do is look back and know that if you’ve earned it, you’re good for it and you can get it.

Three new ways to recharge minutes with money everywhere


You spoke. We listened.


Responding to customers of the Workplace Solution needing to recharge minutes on their phones, Ganart Technologies has released a suite of three new services:

International Pin-less Recharge Minutes

Allows the creation and reloading of a pin-less account directly from any workplace who has a Ganart ME kiosk. Less than two minutes during break or lunch and you’re set! No additional pin codes to enter. Use your existing phone to make inexpensive international calls. As low as 1.5 cents per minute.

Need to call Grandmama but do not have the cash today? Just use Money Earned as your payment source and give Grandmama a call.

Domestic Mobile Phone Top Up

Now you can add funds on your pre-paid mobile phone recharge minutes from any one of our kiosks. This service covers the four top pre-paid carrier networks in the US. No more trips to the store when you run low. You can even use a Money Earned as your payment source.

International Mobile Phone Top Up

Adding recharge minutes to mobile phones around the world just got easier. Simply pick the country from the list of almost 100, and then carrier within the country, then enter the phone number to add funds to and choose the amount of dollars to add call minutes. That’s it.

Whether it’s Uncle Mario in Mexico or Auntie Jennie in Jamaica, you can keep them calling by adding minutes from the convenience of your workplace. No lines, no worries, NO FEES and with Money Earned as a payment source option….NO PROBLEMS!!!

Check back often to our site and our blog. There are many more features and services coming soon.

Three new services tested successfully

I was informed the Ganart team developed, deployed and tested three new services on the Ganart TaaS® platform: International Pinless Minutes, Domestic (US) Mobile Top Up and International Mobile Top Up. This was validated this morning by successfully completing multiple transactions across all three services in our sister company’s Humanetics production facility in Dallas. I would like to congratulate the entire Ganart team on demonstrating why we are a force to be reckoned with.

Thank you. Please keep up the good work.

Best regards,

Art Holbrook

Palm scan security for customers and faster money service

We debuted palm scan security for our clients early last week. The same week, Wayne McHugh and I had to visit one of them – Ennis Safety. They have been a client for over a year and are heavy users of the money everywhere machine. The touch screen of the machine had to be replaced due to a malfunction.

Tracy Mendez, Head of HR of Ennis Safety waited with us to get the machine back up and running. She got our bulletin about palm scan security as an option to PIN entry for Money Earned.

Money Earned is the most popular service at Ennis. It lets a worker get a portion of unpaid wages before payday, without debt, for a modest fee. We actually got a couple of queries from workers walking in asking “Is it going to be working today?” and “what time will it be ready?”.

Thus, we got the screen removed and reinstalled pronto. We then tested it with Tracy logging in. She got a Money Earned in less than 30 seconds.

At the end of her transaction it asked if she’d like to upgrade to palm scan security to replace her PIN. She touched “yes” and scanned her palm three times. She got the success window and receipt for the transaction. Then she logged out.

We asked her to log back and try for another Money Earned, in which she did. All she had to do this time was enter her employee number and then scan her palm. She was in the system immediately. She got another money earned and was done in less than 15 seconds.

Tracy liked the fact that it was faster. She also said that when workers lose their PINs, that they take company time getting a new one. She wants all of the employees to go for the palm scan security.

“Hey, I like that. That’s better.”

She then asked an employee in the break room to come over and enroll in palm scan security.

He followed the onscreen process. As we watched we saw that he got his hand placement pretty well but not as perfect as I would have done it. It was still a successful scan. He then logged out.

She then asked him to go and try a Money Earned. He touched in his employee ID. It prompted him for a palm scan security check. He put his hand in the scanner and BAM, he was in.

He turned around and said “Hey, I like that. That’s better.”

We’re hoping that more will adopt the palm scanning feature. We have already seen a steady adoption over the last few days since we offered it.

To aid in adoption we created this short video that plays on the upper screen of some of our machines. We have a version in Spanish and English.

Customer self service security using palm scanning for transaction speed and security

In our world of customer self service, security and the ease of use, without compromising  compliance requirements, has been going through a build-test-build cycle.

It resulted in a high level of customer adoption of Ganart’s self-service technology.

Since our recent software upgrades and technology enhancements to our TaaS platform, we’re now able to steadily upgrade our customer security, in turn, enriching our KYC (know your customer) database to better service our customers.

It’s a given – technology enrichment is extremely valuable for better customer service.

If we only have to prompt the customer to give information based on the transaction service requirement need, the customer just has to recall only the necessary information once, to fulfill the service they are consuming.  We take that info and build a secure KYC file on them for future transactions, cutting down on their transaction input repetitiveness. The result is a fast transaction and a happy customer that comes back to the me machine.

Customer self service security. Yes, it works.

One such feature that we have as part of our patent pending self service enrollment is an optional advanced palm scan technology to enhance security of a customer account. With this feature a workplace customer will now be able to super secure his account using palm scan if he opts in.

Self service security upgrade enrollment
customer self service security

We spoke to our customers and we found that this is a welcomed upgrade as they no longer need to remember their security code.  We found too that prompting the customer to upgrade their security at the end of a transaction is better received than to have them go through a forceful or interruptive upgrade before they make their transaction. Once they scan in, they are in.

This is a WIN-WIN for both our customers and our service providers. It also helps customer support, which has now lowered the number of customer calls because a customer forgot his security code and now the identity of the customer needs to be established – an arduous compliance process that’s not speedy. Well, it’s all now resolved by using customer self service security using palm scan technology.

We’re currently in the process of applying numerous as-you-need features to our TaaS platform to increase customer adoption. In doing so it provides a means for faster and more compliant transactions to our service providers.


Advanced Terminal Remote Management

While we’ve been scaling up the TaaS platforms deployment, our team has been working in parallel on several remote service features.

At Ganart, we believe in standardizing repeatable processes and develop frameworks to support the automation of them. It has enabled us:

  • To focus on new initiatives and keep support calls down to the minimum.
  • Automation processes also have become very handy for our technicians.
  • A great timesaver to control and assist kiosks out in the field while techs are on call.

One such automated framework developed as part of our Terminal Management Network (TMN) is called MeCocoon. It lets us monitor, manage, control, and remotely configure endpoints as well as support escalation. We recently beta tested the framework on some of the Ganart kiosk endpoints. The results met our expectations.

MeCocoon is now being actively being used by Ganart’s customer support and production support. Some of the features include, maintain network heartbeats, get remote diagnostic information about the kiosk and the ability to remotely recycle the kiosk. With a RESTful architecture, many more features are being designed and some are in implementation phase to the TMN.

The main design parameters for MeCocoon were to maintain a simple client interface (easy adoption), highly asynchronous mode of functionality and great security. The features are assignable, subject to personnel job description, or client’s needs. The MeCocoon services work on mobile platforms too. We actively use MeCocoon this way on Android and iPhone.

UN urges increase in role of financial services across global postal sector

Our TaaS® platform was built for this financial inclusion channel. Were pleased that things continue to move in a positive direction. We also look forward to providing help to institutions following through to take on this challenge and make a better financial world.

Link to the Report

Link to Ganart’s Postal Solution deck

Are Corporations People Too?

Thank you Mitt Romney, “Corporations are people too”. I was elated when I read those words from Mitt Romney’s speech in Iowa on August 11, 2012. Here’s why:

I have had several conversation with various industry executives over the past two years, from CEO’s to CFO’s to COO’s and just about every other TLA (three letter acronym) there is in business.

The topic has been around the American hourly or direct worker and the issues they go through financially, day to day, week to week, month to month.

The overwhelming majority of those who I have talked with feel that their workers really do not have those kind of issues.

Fact of the matter is, their workers do have these issues and as corporate leaders, ought to care about these issues as it affects their corporations.

Furthermore, they should try and help their people with this growing situation or continue to suffer the mutual ill effects it causes on their bottom line.

Most of this group are blind to why their people need financial help whether once a month or once a week. Believe me, I have heard it all:

“We pay them a good wage, it’s not our responsibility if they can’t make ends meet.”

“They should manage their money better.”

“If they stayed within their means, they would not be having these issues.”

Corporations are people too.

When Mitt Romney spoke those words, it hit me like a brick. Yes, Mr. Romney, corporations ARE people too!

In most corporations, like all people, they have to eat (Sales) they have to pay bills (obvious) and they even need to make sure they always have gas to keep going (workforce). The comparisons go on and on.

Here’s another similarity. Like people, corporate payments do not line up with cash flow.

So what’s a poor corporation to do?

If they are rich, they have the money. No problems. However if they are like most corporations, that works hard every day, services their customers and does all the things a corporation can do, they get a line of credit.

It’s magical gap financing that helps them get through their lean days, weeks or months.

Corporations don’t have to go to the equivalent of a payday lender, so why do the people who work for these corporations have to face sky high interest and in a lot of cases, debt traps.

I offered my comparison to a CEO recently by his observation that his employees did not need this help, was the same thing as say Apple telling it’s suppliers that they do not need a line of credit because:

We pay them a fair price, they should be able to make ends meet”

“They should manage their money better”

“If they stayed within their budgets, they would not be having issues”

You see, IF corporations were like people, then you have Apple (corporate executives) telling the struggling suppliers (direct workforce) they really do not need a line of credit (help with week to week financial issues).

I went on to explain that it seemed somewhat hypocritical that a CEO, CFO or COO would take the position that their employees did not require help when they themselves, rely heavily on the same kind of help, in the form of a line of credit.

He thought about for a minute (which seemed like an hour) and said: “I agree, now I would like to know more about this Workplace Solution”. LINK

What would you say? Comments welcome.