BeSmartee’s Mortgage POS Integrates with Freddie Mac Loan Product Advisor® to Simplify Loan Origination and Reduce Fallout

BeSmartee | January 11, 2022

Red Webinar
Digital mortgage point-of-sale (POS) provider BeSmartee has partnered with Freddie Mac to integrate its automated underwriting system (AUS), Loan Product Advisor® (LPAsm), to provide lenders with smart automation tools that help boost production and improve the borrower experience.

BeSmartee’s direct integration with LPA’s advanced underwriting technology will improve workflow operations by automating risk assessment, including asset and income data review, using the lender’s own AUS credentials.

Additionally, lenders will be able to leverage rich data visualization features to derive actionable insights and formulate intelligent business decisions, a collaboration which will offer both lenders and borrowers frictionless loan automation solutions.

"We are thrilled to put Freddie Mac's LPA right into the hands of consumers within the BeSmartee Point-of-Sale to deliver a true digital mortgage pre-approval that is completely self-serve, The team at Freddie Mac are world-class and have supported the relationship each and every step of the way."

- Tim Nguyen, CEO and Co-founder of BeSmartee.

“We’re very excited to partner with BeSmartee to offer our automated underwriting capabilities within their digital mortgage platform, Providing consumers and lenders more options up-front improves the chances for lower costs, faster closings and repeat business.”

- Christina Randolph, Director, Business Partner Strategy & Integration at Freddie Mac.

About BeSmartee
Leading Fintech firm BeSmartee® disrupts the financial services industry with its award-winning, web-based digital mortgage platforms for banks, credit unions and non-bank lending institutions. BeSmartee delivers a complete digital mortgage experience that goes deeper into the origination process to help lenders convert higher and close faster — making a once-cumbersome experience easy, fast and transparent for all.


Big changes are coming when it comes to protecting consumer data, and just about every eCommerce business will be impacted. The General Data Protection Regulation (GDPR) is a set of regulations that determine how companies and organizations throughout the European Union (EU) capture, process and store personal information. And it applies to all business regardless of size, location or where data is processed. This white paper outlines the regulations requirements, challenges facing eCommerce companies, and the opportunities afforded to those that choose the right approach to satisfying the GDPR.

Other News

Kiosk and Digital Signage News from Industry Group & Kiosk Association (KMA)

Kiosks | January 13, 2022

January news from the Industry Group & Kiosk Association: NRF is coming up this weekend and we are hopeful our retail facial payment finalist takes home the "Best Payment Innovation" award. The transactions and enrollment numbers certainly justify it. We also thank Jim Kruper with KioWare who is managing the booth. Stop by and see contactless self-order, assistive technology ala McDonalds and the new Ingenico Self-4000 terminal. He is featured on our portal page on NRF -- NRF Big Show #1606 Big legal ADA news is Quest Diagnostics got very bad news on two fronts. The class action part will drive remedial actions across the entire country, and all units. That originally inexpensive kiosk has the definite possibility now of turning out to be an expensive choice. For the upcoming DSE show in Vegas/March, besides hoping COVID will subside, we are hoping to show a cool 4K 85-inch demo deployed recently at super major retailer (they sell staples?). At NRA our odds are pretty good we will have the Samsung "KMA" kiosk in our booth (running Nanonation partner software). We are in the Tech Pavilion. New Gold sponsors - FEC POS -- now entering self-checkout (SCO) kiosk market. American Kiosks - offices here in Colorado. Custom projects is prime competency.

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Sparkfly Selected to Transform Customer Engagement Systems for Round Table Pizza

Round Table Pizza | February 03, 2022

Sparkfly, an award-winning retail technology solutions company that helps innovative restaurants and merchants unify customer engagement technologies, announced today they have been selected by Round Table Pizza to lead their digital modernization initiative, which includes the development of exciting new guest ordering technologies and personalized customer engagement programs. Round Table Pizza kicked off their initiative by leveraging Sparkfly’s newly-launched consulting program that evaluated the brand’s existing and new technologies, and created a next generation martech ecosystem to effectively drive transformational customer acquisition. The quick-service brand and its franchisees operate more than 450 locations across California, Nevada, Oregon, Washington, Arizona, Alaska, and Hawaii, and is a part of FAT Brands, a leading restaurant franchising company that currently operates a portfolio of 17 restaurant brands around the globe. Sparkfly’s platform will be the foundation for a customer engagement ecosystem that unifies Round Table Pizza’s point-of-sale (POS) system, new web and mobile app ordering technologies, loyalty and reward capabilities, and all third-party marketplace apps to deliver a seamless experience for customers. Upon completion of the integration, the brand’s online and in-store POS transactions, will offer reward program members and diners an enhanced digital customer experience that operates across all channels. The addition of a digital wallet to the brand’s mobile app will streamline the flow of transactional data, enabling the delivery of real-time personalized rewards in collaboration with their marketing and service cloud platforms. “It’s an incredible honor to have been selected by such a reputable brand as Round Table Pizza to help them on their mission to further enhance their customer experience and engagement strategies, Ability to offer a modern reward and loyalty program, and deliver a seamless online ordering experience is critical for restaurant brands today. We are excited to be a part of this journey to further enable franchise owners to better connect with their customers and drive more revenue.” -Sparkfly Founder and CEO Catherine Tabor. About Round Table Pizza Inspired by the honor, valor and revelry of the Knights of the Round Table, Round Table Pizza’s superior pizza and commitment to quality and authenticity have earned the reputation of “Pizza Royalty™” for over 60 years. With more than 450 restaurants across the globe, Round Table celebrates community, family and making merry.

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Gilbarco Veeder-Root Partners with Crane Payment Innovations to Offer Cash Automation with Passport® Express Lane™ Self-Checkout

Gilbarco Veeder | December 17, 2021

Gilbarco Veeder-Root announced a partnership with Crane Payment Innovations (CPI), a global leader in cash processing and asset management software, to offer cash automation technology with the Passport® Express Lane™ Self-Checkout system for convenience stores. Through this partnership, CPI’s Paypod™ cash recycler hardware is available as an optional feature for Passport Express Lane. Cash remains an important aspect of the c-store environment with more than a quarter (28 percent) of all in-person transactions still paid in cash in the retail landscape. Cash transactions are even more common with purchases under $25, making solutions like CPI’s Paypod E24 vital to c-store operations. Many retailers expressed a desire to accept cash through self-checkout.We created Passport Express Lane specifically for convenience stores as a solution to deliver speed of service, address labor shortages and maximize purchase efficiencies. We’re excited to once again meet our customers’ needs through our partnership with CPI, further reinforcing our mission to provide the best-in-class solutions.” Julia Collins, product manager, Gilbarco Veeder-Root Four out of 10 consumers will abandon a purchase due to long lines. With labor shortages causing staffing stress for retailers, cash acceptance ensures all customers, regardless of payment method, have the option for a seamless self-checkout experience. Paypod cash recyclers also bring multiple benefits, such as reducing daily cash reconciliation activities, streamlining retail operations, reducing shrink, removing hygiene concerns, and helping customers maximize their investment with a solution designed to evolve with the market. Integration with Paypod is now available with Passport software release version 21.02 and higher. About Gilbarco Veeder-Root Gilbarco Veeder-Root is the worldwide technology leader for retail and commercial fueling operations, offering the broadest range of integrated solutions from the forecourt to the convenience store and head office. For over 150 years, Gilbarco Veeder-Root has earned the trust of its customers by providing long-term partnership, uncompromising support, and proven reliability. Major product lines include fuel dispensers, pump media, point-of-sale systems, payment systems, tank gauges and fleet management systems. About Crane Payment Innovations CPI is part of Crane Co., a diversified manufacturer of highly engineered industrial products (NYSE:CR). CPI provides an extensive suite of hardware, software, and services for unattended retail, gaming, banking, hospitality, and transportation markets worldwide. Our automation technology ensures a seamless customer experience and end-to-end operational efficiency. CPI headquarters are located in Malvern, PA with additional offices, manufacturing facilities, distribution and service centers worldwide. With more than 30 million devices installed globally, supported by a vast network of local sales and service personnel, CPI is a leader in automation technology.

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Small Business Credit Cards: It’s About More than Just Rewards

Mercator Advisory Group | January 04, 2022

Mercator Advisory Group released a report covering the credit cards issued for small businesses titled Small Business Credit Cards: Growth Opportunities in a Post-COVID World. The research explains current markets, reviews programs offered by top issuers, and suggests that issuers look at four current fintech models to revitalize their view of this rich market. With two thirds of the U.S. GDP driven by small businesses, there is a large audience to harvest. Program designs need to do more than just generate reward points; they need to provide the small business owner with tools to reduce costs, understand their spend, and prepare the small business for growth. The research explains how fintechs are redefining the small business card space and what traditional issuers need to think about over the next three years. "Fintech Buy Now, Pay Later should be a learning experience for all credit card issuers, You cannot keep doing the ‘same old thing’ or new players will disrupt your model. Small business credit cards are more than just reward generators. Issuers need to keep the product engaging with tools and value-added features.” -Brian Riley, Director, Credit Advisory Service, at Mercator Advisory Group Highlights of the research note include: Small business sector description and characteristics Card-by-card review of top issuer small business credit cards Risks and Opportunities for small business credit cards Fintechs in the small business credit card sector Selected topics form the Mercator Advisory Group Small Business PaymentsInsights survey This document contains 26 pages and 17 exhibits. Companies mentioned in this research note include: American Airlines, American Express, Alaska Airlines, Apple, Bank of America, Barclaycard, Bento, Brex, Capital One, Chase, Citi, Costco, Delta Airlines, Discover, FIS, Fiserv, Goldman Sachs, Hyatt Hotels, Jet Blue, Kabbage, Lowes, Marriott, Mastercard, Pex, Southwest Airlines, TSYS, Tribal Credit, U.S. Bank, United Airlines, Visa, Wells Fargo, Wyndham Hotels Members of Mercator Advisory Group's Credit Advisory Service have access to these reports as well as the upcoming research for the year ahead, presentations, analyst access, and other membership benefits. About Mercator Advisory Group Mercator Advisory Group is the leading independent research and advisory services firm exclusively focused on the payments and banking industries. We deliver pragmatic and timely research and advice designed to help our clients uncover the most lucrative opportunities to maximize revenue growth and contain costs. Our clients range from the world's largest payment issuers, acquirers, processors, merchants and associations to leading technology providers and investors.

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Big changes are coming when it comes to protecting consumer data, and just about every eCommerce business will be impacted. The General Data Protection Regulation (GDPR) is a set of regulations that determine how companies and organizations throughout the European Union (EU) capture, process and store personal information. And it applies to all business regardless of size, location or where data is processed. This white paper outlines the regulations requirements, challenges facing eCommerce companies, and the opportunities afforded to those that choose the right approach to satisfying the GDPR.