A Faster Path to Credit

Today’s customers expect fast, seamless access to credit — without friction, delays or unnecessary steps. Our Instant Credit Card Origination solution helps you meet those expectations while strengthening the relationships that define community banking.

A Better Origination Experience

By removing friction and enabling instant access across online and in-branch origination channels, you can turn applications into active cardholders more quickly and consistently.

Frictionless application experience with passwordless authentication and prefilled data
Seamless instant account opening for both new and existing customers
Simplified, data-driven workflows designed to reduce friction and application abandonment

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Built for Smarter, Faster Decisioning

Our Credit Card Origination solution combines advanced underwriting and intelligent decisioning to deliver real-time approvals and instant card access — so you can move at the speed of your customers without compromising control or compliance.

Intelligent orchestration of risk controls, KYC/CIP checks, business rules and compliance workflows
Flexible integrations across core systems, processors and digital banking platforms
AI-powered Intelligent Policy Optimizer analyzes credit rules and recommends enhancements to improve decisioning outcomes

Real Results You Can Measure

With more than 8,200 decisioned applications processed and over $30.2 million in approved credit lines to date, our origination solutions deliver measurable impact — from faster application times to increased interchange revenue.

Application times as fast as 1 minute 27 seconds for existing customers, 2 minutes 14 seconds for new cardholders¹
50% of approvals convert to new cardholders¹
46% increase in average interchange revenue¹

¹ Data As of March 2026 Based on early adopters, individual results may vary.