MK Decision

1st National Bank of Scotia and MK Decision Bring Digital Credit Card Origination to New York Customers

Jonathan BenAmoz, John Buhrmaster, and Scott Broughton at ICBA Live 2020.

MK Decision (MK) announced today that 1st National Bank of Scotia, N.Y., has selected MK’s Credit Card Origination System (CCOS), to implement a mobile-first credit card application centered on creating a seamless digital experience for customers.

1st National Bank of Scotia was introduced to MK’s CCOS product while attending the first Independent Community Bankers of America® (ICBA) ThinkTECH Accelerator powered by The Venture Center in Little Rock, Arkansas in January of 2019. The bank was impressed by the product and seamless customer onboarding workflow. Encouraged by its support from ICBA Bancard, bank officials decided to pursue a partnership with MK.

“ICBA Bancard vets all of its vendors for us, they negotiate the contracts,” John Buhrmaster, president & CEO of 1st National Bank of Scotia said. “When they let me know that they were in negotiations with MK Decision that was all I needed to know that the company had been properly vetted and had an excellent product to help community banks grow their credit card portfolios.”

By implementing CCOS, 1st National Bank of Scotia has enabled their customers to apply for credit cards online through MK’s digital platform. SalesFunnel helps the bank's customers make educated decisions by providing detailed credit card landing pages. AppFlow guides the bank's customers through an intuitive online application with digital signatures on disclosures via MK's SecureSign. And MK's Messaging system sends automated updates to customers throughout the approval and onboarding process.

Throughout the partnership, MK has been attentive to 1st National Bank of Scotia’s requests for customization, and aims to cultivate the best customer experience possible. Chris Hebbard, senior credit officer at 1st National Bank of Scotia, stated, “MK Decision has set the bar high for our expectations of working with a vendor. They are proactive and listen to our needs to come up with creative solutions.”

“As forward-thinking community banks continue to partner with MK Decision, we’re exceeding rising customer expectations for online access to financial products. With MK at their side, 1st National Bank of Scotia’s digital transformation will provide their customers with intuitive online shopping and application experiences,” said Har Rai Khalsa, CEO of MK Decision.

About MK Decision
MK Decision's mission is to help community financial institutions thrive by receiving more deposits and more loans. With a commitment to strengthen local economies, MK’s platform gives community financial institutions a competitive advantage through simple, beautiful customer experiences and streamlined banker workflows. The MK platform supports a variety of financial products including checking & savings accounts, credit cards, and consumer, commercial, small business, and indirect loans. So far, MK has helped over 190 community banks acquire customers online. The company was founded in 2015 and is headquartered in San Diego, California. For more information, visit

About 1st National Bank of Scotia
1st National Bank of Scotia is an independently owned and operated bank located in the Capital Region of New York State. Founded in 1923, 1st National is proud to provide creative financial solutions and personalized customer service to generations of families and businesses. For more information please visit

MK is proud to be recognized by:

The Venture Center
Money 20/20