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Gem Lake | Innovating the Online Payment Experience <br /> Confidential & Proprietary © 2021 | 3 <br />1.1.1 Cloud <br />Continually add new <br />payment options, <br />communications methods, <br />and increased security via <br />SaaS updates: Invoice Cloud <br />simplifies payment <br />processing by administering <br />the system--managing <br />security, performing backups, <br />implementing security <br />patches--on your behalf. All our billers receive access to new features as we release them--no <br />updates or upgrades required. (Figure 2) <br />When we release a new enhancement, we only need to update a single instance of our <br />platform. Billers can then choose to use the new features by changing configuration options. <br />True SaaS means that your customers log into an updated, secure version of our payment <br />portal every time they pay their utility bills. For example: when Invoice Cloud added the option <br />to use digital wallets--Apple Pay and Google Pay--all 2,100+ IC clients could enable this feature <br />the day of its release. (Figure 3) <br /> <br />Figure 3. Mobile wallets enhance the customer experience. Our SaaS platform enabled all of our clients, to receive <br />secure, fast payments through Apple Pay and Google Pay, on the day of release. <br /> <br />Figure 2. IC’s single instance, multi-tenant SaaS platform. IC updates a <br />single stack of code, and all clients receive enhancements immediately.