MK Decision Partners with IDology to Integrate Real-Time Identity Verification Into Its Digital Account Opening and Loan Origination Platform

Plaid and MK Decision

San Diego, California -- MK Decision (MK) announced today that it is partnering with IDology, a GBG company, to introduce real-time identity verification into its digital account opening and loan origination platform. Together, MK and IDology streamline community financial institutions' Customer Identification Program and Customer Due Diligence processes by verifying applicant identities when applying for deposit accounts, credit cards, indirect loans, and personal loans.

MK starts the digital onboarding process by guiding applicants through an online Store branded to their institution. After consumers find the right product for their financial needs, they complete a mobile-first Checkout process. By leveraging ID Scan, applicants can scan their preferred ID type and pre-populate application data, resulting in faster completion times.

While this integration benefits consumers, it serves a dual purpose for back-office teams. IdentityConnect ensures compliance with Bank Secrecy Act and Anti-Money Laundering regulations. To accomplish this, Decisioning instantly checks identities against the following government watch lists: Patriot Act, Office of Foreign Assets Control, Specially Designated Nationals, and Politically Exposed Person. IDology enables MK to identify known fraudsters through multiple layers of digital identity attributes, including email and mobile intelligence.

“Through our partnership with IDology, community financial institutions can automate Know Your Customer checks and verify digital identities. By utilizing the power of data, our customers can feel confident in their ability to restrict fraudulent applicants and provide faster decisions to their clientele,” said Har Rai Khalsa, CEO of MK Decision.

“The identity verification imperative is increasingly front and center for the financial services value chain,” said Christina Luttrell, CEO of IDology. “This partnership provides community financial institutions with the optimal balance of effortless digital account opening and the industry’s most flexible fraud deterrence tools and network to deliver stronger trust through data transparence and diversity.”

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 banks and credit unions a competitive advantage through simple, beautiful consumer experiences and streamlined back-office 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 250 community financial institutions acquire customers online. MK was founded in 2015 and is headquartered in San Diego, California. For more information, visit

About IDology
IDology, a GBG company, provides real-time technology solutions that verify an individual’s identity and age for anyone conducting business in a consumer-not-present environment to help drive revenue, decrease costs, prevent fraud and meet compliance regulations. Founded in 2003, IDology offers a solution-driven approach to identity verification and fraud prevention that ultimately helps increase customer acquisition and improve the customer experience. IDology has developed an innovative and on-demand technology platform that allows customers to control the entire proofing process and provides the flexibility to make configuration changes that are deployed automatically—without having to rely on internal IT resources or IDology’s customer service so businesses can stay ahead of the fraud landscape while maintaining compliance. For more information, visit or call 866-520-1234

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