Ensenta Segments

Customer segmentation is the approach of dividing a large and diverse customer base into smaller groups of related customers that are similar in certain ways and relevant to the marketing of a bank’s products and services.

During the implementation process, Narmi maps Ensenta's segments in Digital Banking. This allows Narmi to align Remote Deposit Capture (RDC) limits with Narmi-related functionality (ACH limits, functionality, etc.). 

Ensenta’s base RDC product includes three segments (Bronze, Silver, and Gold), also known as “Deposit Policy Groups”, with default $ amount and transaction limits on the Set-Up Form. However, financial institutions may have more than three segments (see Managing Ensenta Segments).

Initial Segment Setup

During a Digital Banking implementation, financial institutions design their segmentation framework and assign end-users into segments. Each segment may have different RDC limits and permissions. This process is separate from the Ensenta setup, but values in Narmi's segmentation mapping can be the same as Ensenta default values for each segment. 

The segmentation fields related to RDC are listed below:

1. Narmi RDC segment names - also known as `AttributeValues`
2. Daily $ amount and # of transaction limits 
3. Monthly $ amount and # of transaction limits
4. Max transaction amount
5. If real-time posting is turned on:
   • $ amount immediately available
   • Immediate availability period
6. A default segment (one out of all defined segments)

Your Narmi Implementations Project Manager and/or General Manager will work with you to develop these segments and communicate the structure to Ensenta. Ensenta will then install the segments into their system and dictate the RDC permissions in the Narmi platform. 

Managing Ensenta Segments

Once the Ensenta platform is delivered, financial institutions can use the Limit Dashboard in EZAdmin to update $ amount and transaction limits as needed. 

Note that only limits can be changed in EZAdmin; renaming, adding or removing segments can only be changed by an Ensenta representative and should be coordinated through your Narmi General Manager.

If a financial institution would like any more than three segments, a Customer Service Order (CSO) must be completed, and adding new segments will result in an additional charge from Ensenta. Please reach out to your Narmi General Manager or Implementations Project Manager for additional information.

Managing Individual Limits

Financial institutions can add individual limits for specific users within EZAdmin’s Policies and Limits Dashboard. 

The process is as follows:

1. Select the Account Holder Limits tab.
2. Ensure the Mask Account drop-down is set to "No."
3. Enter the User Account Holder number, the desired limit, and the limit period.
4. Select Save.