United Bankers’ Bank and MK Decision Partnership Brings Business Credit Card Origination Online for 75+ Banks in 15-State Footprint

Har Rai Khalsha of MK and John Peterson of UBB

MK Decision’s loan origination system (LOS) allows United Bankers’ Bank to process business credit card applications digitally during COVID-19 Quarantines.

United Bankers’ Bank (UBB), a $996 million-asset correspondent community bank, was in search of a FinTech partner to fulfill their vision of providing white label business credit card shopping experiences to their 75+ agent banks across 15-states. UBB was focused on deploying 75+ bank-branded credit card websites with online business credit card applications. On the back-end, UBB required a centralized loan processing software for faster, better credit decisions.

As an ICBA Bancard client, UBB had heard from fellow community bankers and Bancard about MK Decision (MK). The Independent Community Bankers of America (ICBA) had vetted and since promoted MK's Credit Card Origination System (CCOS) through their first ICBA ThinkTECH Accelerator powered by The Venture Center.

MK’s system gives community banks an enormous opportunity to grow their digital customer acquisition and streamline manual banking processes, said ICBA Bancard President and CEO Tina Giorgio. After speaking with United Bankers’ Bank about their digital transformation goals, I thought MK’s platform presented synergies that would make them a good fit and was pleased to make introductions, - Giorgio said.

Speaking further to the connection between UBB and MK, UBB’s Chief Marketing Officer John Peterson recognizes why they chose to partner with MK.

After meeting MK Decision, I felt confident in their mission and integrity. MK’s business values aligned closely with UBB’s. MK puts its customers first. This was made clear in our negotiation process when they fulfilled all of our requests with ease.

In March 2020, as the United States economy shut down, UBB faced the COVID-19 quarantine head-on. With the help of MK’s digital lending software, UBB transitioned smoothly to remote work. MK's Dashboard, a cloud-based loan origination system, empowered bankers to access credit profiles, leave notes for fellow underwriters, and offer timely credit decisions from their homes. Business as usual, in unusual times.

In response to the sudden transition to remote work, UBB’s Jill Robiller, assistant vice president of bank cards said, Even with 70 percent of our staff working remotely, we did not compromise on our efficiency and timeliness. With the help of MK’s Dashboard, we were able to continue underwriting and approving applications from the safety of our homes.

As part of UBB’s project, MK’s loan origination Dashboard will allow bankers to process credit card applications seamlessly by automatically pulling credit reports and generating financial ratios with MK’s CreditConnect, and sending approved files directly to UBB’s core processor FIS with MK’s CoreConnect.

Amidst branch-closures and social distancing, MK's end-to-end loan operating system allowed UBB’s credit card team to collaborate digitally and continue transacting. UBB exceeded customer expectations by offering punctual credit decisions to those in need. After successfully adapting to COVID-19 and embracing the new normal, UBB recognizes this was a crucial first step towards their digital transformation. By implementing MK’s CCOS, UBB is not only able to compete, but thrive.

About MK
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 170 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 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 United Bankers’ Bank
Headquartered in Bloomington, MN, United Bankers’ Bank is the nation’s first bankers’ bank, and a full-service provider of correspondent banking services to community banks in: Minnesota, North Dakota, South Dakota, Montana, Nebraska, Indiana, Iowa, Wyoming, Idaho, Ohio, Oregon, Washington, Michigan California, and Illinois. For more information, please visit

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