Merchants and Planters Bank and MK Decision Partner to Deliver Online Credit Card Applications to their Customers

Har Rai Khalsha of MK, with M and P Bank employees

A partnership facilitated by the ICBA ThinkTECH Accelerator powered by The Venture Center.

San Diego, CA - MK Decision (MK), the leader in credit card loan origination announced today its partnership with Merchants and Planters Bank (M&P) to bring their customers a simple, digital credit card application process.

In January 2019, M&P, a $260M asset community bank in Arkansas, attended the Independent Community Bankers of America® (ICBA) ThinkTECH Accelerator powered by The Venture Center in Little Rock, Arkansas. M&P was in search of a fintech partner to help their customers open accounts online. MK was one of eight companies hand-selected out of 190 applicants from over 40 countries to participate in the inaugural ICBA ThinkTECH Accelerator. The Accelerator brought together community bankers and fintechs from across the nation to solve the biggest technology problems in banking.

The ICBA ThinkTECH Accelerator program was designed for promising fintechs like MK that value and support the important work of the nation’s community banks, ICBA Bancard President and CEO Tina Giorgio said. MK’s success is a testament to its founders’ ingenuity and commitment to creating community bank-focused solutions that deliver enhanced customer experiences. That’s why ICBA Bancard partnered with MK to deliver their credit card origination system.

The first time we met with MK Decision, we knew the company would be a great fit for the ICBA ThinkTECH Accelerator, stated Wayne Miller, Executive Director for The Venture Center. MK Decision understands the importance of strong relationships, and like community banks, excels at building them. We look forward to celebrating their continued success.

After looking for a new partner for close to a year, M&P was impressed with MK’s mission to help community banks acquire more deposits and more loans. Upon meeting MK’s CEO, Har Rai Khalsa and COO, Guru Dharam Khalsa at the Accelerator, M&P made the choice to continue its digital transformation with MK as its partner.

MK has continued to impress M&P with their mobile-first online applications and digital lending platform. This platform has allowed us to offer our customers a quickly accessible, concise, easy to use digital application. MK made the implementation process almost effortless, providing us with exceptional service, quick turn-arounds, and attention to detail, notes Jim S. Gowen Jr., President and CEO of M&P.

The partnership between M&P and MK is a testament to the impact of the ICBA ThinkTECH Accelerator. By connecting this dynamic duo, ICBA and The Venture Center have proven that they have the power to create real relationships between community banks and fintechs.

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 is helping over 130 community banks acquire customers online. The company was founded in 2015 by Har Rai, Guru Dharam, and Jodha Khalsa and is headquartered in San Diego, CA. To learn more about MK, please visit

About Merchants and Planters Bank
Merchants and Planters Bank has been a community bank in Northeast Arkansas since 1946. They currently have twelve banking locations, as well as a trust and investment division and an insurance agency. M&P Community Bancshares, Inc. currently has assets exceeding $260 million and is the holding company for Merchants and Planters Bank and M & P Insurance and Investment Services both headquartered in Newport, AR. To learn more about Merchants and Planters Bank, please visit

About ICBA Bancard
ICBA Bancard® is the wholly owned payment services subsidiary of the Independent Community Bankers of America. ICBA Bancard’s community bank issuers generated $31.6 billion in sales volume in 2019 and are ranked collectively as the 24th largest credit card portfolio in the United States. ICBA Bancard enables thousands of community banks to provide competitive credit card, debit card, ATM and merchant processing solutions. The company also provides exclusive services to issuers including its Fraud Loss Protection Plan, marketing support, and product education. For more information, visit

About The Venture Center
The Venture Center’s immersive accelerator programs are designed to accelerate the growth of early-stage companies and help them validate their solutions for real-world problems. Our methodology provides a unique opportunity to connect with community bank executives, receive seed investment and learn from a comprehensive curriculum that will aid in strategically addressing go-to-market, business, and finance challenges. For more information, visit

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