Enhancing Productivity on ACH Batch Processing Errors in Community Banks in the U.S. through User-Friendly Validation Dashboard

Author(s)	Saikrishna Garlapati
Country	United States
Abstract	The Automated Clearing House (ACH) is a popular means of electronic payment in the U.S. ACH transactions are significant for community banks that provide services to local consumers and businesses. Yet, ACH batch processing experiences various error types, such as incorrect accounts, overdraw, and/or system errors, which harm operational efficiency, consumer satisfaction, and expose banks to regulatory fines. This article offers a holistic evaluation of ACH batch processing errors in U.S. community banks crucial for designing an intuitive ACH validation dashboard to prevent errors. The validation dashboard incorporates the principles and features of real-time validation, monitoring, and feedback, adjusted to the specific environment of U.S. community banks. Through literature review, dashboard design, and pilot testing, this research establishes the potential impact of the validation dashboard on error rates, efficiency, and compliance. Practical implications and suggestions for further research are provided.
Field	Engineering
Published In	Volume 7, Issue 3, May-June 2025
Published On	2025-05-31
DOI	https://doi.org/10.36948/ijfmr.2025.v07i03.46942
Short DOI	https://doi.org/g9mvxk

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International Journal For Multidisciplinary Research