Bank on Us for Agile Issuance of Consumer Credit Cards
Launch customizable credit card programs and revolving credit lines with dynamic risk scoring, loyalty integration, and real-time transaction authorization.
The Modular Foundation for Service Delivery
Access to fully compliant, modular, core banking services, allowing institutions to launch products rapidly without managing complex backend infrastructure.
The Digital Credit Card Lifecycle Platform
Our platform supports the full consumer credit lifecycle, from instant digital application and underwriting to sophisticated fraud management and ongoing servicing, all integrated with the core ledger.
Digital Application and Instant Underwriting
Integrate external credit bureaus and internal risk models to deliver instant, automated credit decisions for applications submitted digitally.
Dynamic Credit Line Management
Automatically adjust credit limits and risk tiers based on real-time spending behavior, payment history, and internal policy rules.
Flexible Interest and Fee Configuration
Define and automate complex interest rate structures (e.g., tiered, promotional, penalty) and manage annual/late fee applications seamlessly.
Advanced Fraud Mitigation and Regulatory Adherence
Mitigate credit risk and fraud exposure with mandatory tokenization, real-time spending controls, and comprehensive compliance tools required for consumer credit products.
Secure Tokenisation
Replace sensitive Primary Account Numbers (PANs) with secure tokens, protecting data during storage and mobile wallet provision.
Real-Time Transaction Screening
Apply behavior-based risk scoring and customizable rules to flag and hold suspicious transactions instantly at the authorization stage.
Automated Regulatory Disclosures
Automatically generate and track essential consumer disclosures related to interest rates, grace periods, and fees, ensuring adherence to consumer protection laws.
Loyalty Integration and Portfolio Optimization
Drive revenue and consumer loyalty by integrating custom rewards programs, managing automated statement generation, and utilizing portfolio analytics to optimize credit risk.
Integrated Rewards & Loyalty Engine
Configure and manage sophisticated rewards programs (e.g., points, cashback, co-branded) with real-time accrual and redemption tracking.
Automated Statement and Billing Cycles
Manage customizable billing cycles, generate regulatory-compliant statements, and automate payment processing and delinquency tracking.
Portfolio Analytics Dashboard
Provide risk teams with real-time data on portfolio utilization, revolving balances, and payment patterns to inform credit policy and marketing strategies.