Home
Explore Products
Demo
Solutions
CCOS
Connect with MK
Contact Us
Terms of service
Privacy Policy
E-sign
Customer Identification Program
CCOS mockups

Credit Card Origination System

Turn Campaigns into Conversions

Call now: (844) 888-5565 Try the Demo

Turnkey Credit Card Platform for Banks

Get more insight into the features and benefits that MK’s CCOS offers to Direct Issuers.

Customized User Experience

Direct Issuers benefit from MK’s end-to-end, white labeled Credit Card Origination System (CCOS) as they can now deliver a Bank branded user experience. Featuring mobile first design, supported on over 400 devices, MK offers effective, customizable Application Workflows.

Partner Integration

Hosted on Amazon Web Services (AWS), MK’s cloud-based CCOS is a turnkey solution for credit card Direct Issuers. With existing Credit Bureau (i.e. Experian) and Bank Core (i.e. Fiserv) API integrations already in place, MK helps Banks rapidly launch to market.

Automated Decisioning System (ADS)

Automated Decisioning is MK’s core competency; saving Bank customers time and keeping them from shopping their credit with competitors. Customizable credit risk models provide Banks the flexibility needed to adapt to current market conditions while machine learning safeguards from human error.

PreScreen & PreQualify Applications

Rapidly launch campaigns with “out of the box” implementations for: PreScreen invitation codes, PreQualify customers with soft pull credit reports, and Secure Card funding. Partner with MK to turn your campaigns into conversions.

End-to-End Credit Card Origination

Customer Applies

Our easy to use, responsive web applications are developed with a modern, “mobile-first” design that is optimized for conversions.

AppShieldTM Filters the Data

MK’s proprietary Appshield protects identity and prevents fraud by filtering invalid data entries and repeat applications.

Invalid Data Entry

Customer receives error message to explain what was done wrong.

If Data Entry Verified...

Before pulling a Customer's credit report, AppShieldTM verifies the form has been validated.

... Credit Report Pulled

CCOS integrates with leading Credit Bureaus and other data furnishers to pull 10,000+ credit and fraud data points.

10,000+ Data Points Decisioned

MK’s premier Automated Decisioning System processes Credit Data and Bank underwriting criteria - instantly.

If Application or Identity is Declined...

Banks can choose to counter offer Declined Customers a Secure Card or automate a decline notification.

...Adverse Action Letter Sent

Secure digital messaging allows Banks to control the message delivery timing and eliminate physically mailed Adverse Action Letters or Risk Based Pricing Notices.

Approved Loan Boarded to Bank Core

CCOS integrates with leading Core Banking providers to automatically create credit card, checking, and savings accounts.

Secured Immediate Response

Approval notifications are nearly instant and welcome emails providing Terms & Conditions and applicable compliance notices are automated.

Physical Card Arrives

Core Banking provider mails the Customer’s physical payment card which arrives in hand in 4-5 days.

End-to-End Credit Card Origination

Customer Applies

Our easy to use, responsive web applications are developed with a modern, “mobile-first” design that is optimized for conversions.

Customer Applies


AppShieldTM Filters the Data

MK’s proprietary Appshield protects identity and prevents fraud by filtering invalid data entries and repeat applications.

AppShieldTM Filters the Data

Invalid Data Entry

Customer receives error message to explain what was done wrong.

Invalid Data Entry


If Data Entry Verified...

Before pulling a Customer's credit report, AppShieldTM verifies the form has been validated.

If Data Entry Verified...

... Credit Report Pulled

CCOS integrates with leading Credit Bureaus and other data furnishers to pull 10,000+ credit and fraud data points.

... Credit Report Pulled


10,000+ Data Points Decisioned

MK’s premier Automated Decisioning System processes Credit Data and Bank underwriting criteria - instantly.

10,000+ Data Points Decisioned

If Application or Identity is Declined...

Banks can choose to counter offer Declined Customers a Secure Card or automate a decline notification.

If Application or Identity is Declined...


...Adverse Action Letter Sent

Secure digital messaging allows Banks to control the message delivery timing and eliminate physically mailed Adverse Action Letters or Risk Based Pricing Notices.

...Adverse Action Letter Sent

Approved Loan Boarded to Bank Core

CCOS integrates with leading Core Banking providers to automatically create credit card, checking, and savings accounts.

Approved Loan Boarded to Bank Core


Secured Immediate Response

Approval notifications are nearly instant and welcome emails providing Terms & Conditions and applicable compliance notices are automated.

Secured Immediate Response


Physical Card Arrives

Core Banking provider mails the Customer’s physical payment card which arrives in hand in 4-5 days.

Physical Card Arrives

Regulatory Compliance

Automating Bank Secrecy Act regulations (OFAC, CIP, AML) and instant, secure digital messaging for Adverse Action Letters and Risk-Based Pricing Notices satisfies today’s compliance regulations in a lean and scalable fashion. Additionally, multi-regional server redundancy ensures Banks have disaster recovery when they need it most.

Security

In light of recent Credit Bureau data breaches, MK takes pride in its Experian Independent Third Party Assessment (EI3PA) certification. MK uses modern encryption and cryptographic protocols (TLS 1.2) when handling sensitive consumer data and implements Multi-Factor Authentication for identity verification and fraud prevention.

Reporting and Analytics

Real-time reporting & analytics allow Banks to create future campaigns by analyzing past results. With inline and page level analytics, MK’s COOS enables you to make data-driven decisions in an age where information is currency.

Call now: (844) 888-5565
Try the Demo