MK Decision (MK), a FinTech provider of digital account opening and loan origination, partnered with First Bank of Alabama, a $719 million-asset community bank in Alabama, to transform their institution’s credit card program from paper applications to digital customer onboarding. After being introduced by ICBA Bancard, the payments subsidiary of the Independent Community Bankers of America (ICBA), First Bank of Alabama implemented MK’s Credit Card Origination System (CCOS) to provide an online shopping experience for their credit card customers and streamlined underwriting processes for their internal teams.

Committed to its mission of exceptional customer service, First Bank of Alabama revolutionized its paper-intensive credit card application by introducing a mobile-first customer experience. First Bank of Alabama’s Chief Executive Officer, Chad Jones, spoke of his experience working with MK, stating, “At First Bank of Alabama, we pride ourselves on the excellent service our empowered employees provide to the communities we serve. Keeping with our mission, I turned to my team to find the right vendor for our digital transformation. The ease of implementation speaks to MK’s service, transparency, and diligent approach to project management. With MK's help, we are becoming a better institution for our customers through informative marketing pages, mobile-first applications, and faster decisions.”

MK’s CCOS closely aligns with First Bank of Alabama’s mission to provide exceptional service by introducing CustomerAccount to keep applicants updated post-application. CustomerAccount offers a cloud-based platform for electronic signatures on agreements, document uploads, and automated status updates for around-the-clock service. Since the implementation, First Bank of Alabama experienced a 200 percent growth in application volume.


In addition to improving their online customer experience, First Bank of Alabama invested in their internal teams by introducing a loan origination system with real-time credit decisioning to exceed customer expectations for immediate responses. With fraud on the rise, MK built its platform to ensure identity verification in every decision. MK’s CreditConnect integrates with credit bureaus to generate automatic OFAC and MLA checks, significantly reducing First Bank of Alabama’s underwriting time by 50 percent.

Motivated by its mission to strengthen local economies, MK empowers community financial institutions with the technology they need to serve their customers online and compete against megabanks. MK’s Chief Executive Officer, Har Rai Khalsa spoke to the partnership, “First Bank of Alabama has its eyes on the future and its vision centered around its customers, making its partnership with MK Decision not only natural but strategic. As their digital strategy accelerates, MK is committed to continuously improving our platform to support their transformation. By collaborating with their Compliance and Marketing teams, we deployed a customer-first mentality to reduce the compliance burden while maximizing the customer experience.”

In recognition of consumer demand for digital financial services, MK broadened its product suite to support both sides of the balance sheet with deposits and credit cards. To foster long-lasting relationships with future generations, First Bank of Alabama looks to MK as inspiration for their digital roadmap. Together the pair will deliver First Bank of Alabama’s customer-centric culture through MK’s cloud-based platform where marketing and decisioning converge.