End-to-End Credit Card Origination

Customer Applies

Our easy to use, responsive web applications are developed with a modern, "mobile-first" design that is optimized for conversions.

Customer Applies

AppShieldTM Filters the Data

MK's proprietary Appshield protects identity and prevents fraud by filtering invalid data entries and repeat applications.

AppShieldTM Filters the Data

Invalid Data Entry

Customer receives error message to explain what was done wrong.

Invalid Data Entry

If Data Entry Verified...

Before pulling a Customer's credit report, AppShieldTM verifies the form has been validated.

If Data Entry Verified...

... Credit Report Pulled

CCOS integrates with leading Credit Bureaus and other data furnishers to pull over 1,000 credit and fraud data points.

... Credit Report Pulled

Over 1,000 Data Points Decisioned

MK's premier Automated Decisioning System processes Credit Data and Bank underwriting criteria - instantly.

Over 1,000 Data Points Decisioned

If Application or Identity is Declined...

Banks can choose to counter offer Declined Customers a Secure Card or automate a decline notification.

If Application or Identity is Declined...

...Adverse Action Letter Sent

Secure digital messaging allows Banks to control the message delivery timing and eliminate physically mailed Adverse Action Letters or Risk Based Pricing Notices.

...Adverse Action Letter Sent

Approved Loan Boarded to Bank Core

CCOS integrates with leading Core Banking providers to automatically create credit card, checking, and savings accounts.

Approved Loan Boarded to Bank Core

Secured Immediate Response

Approval notifications are nearly instant and welcome emails providing Terms & Conditions and applicable compliance notices are automated.

Secured Immediate Response

Physical Card Arrives

Core Banking provider mails the Customer's physical payment card which arrives in hand in 5-10 days.

Physical Card Arrives

End-to-End Credit Card Origination

Customer Applies

Our easy to use, responsive web applications are developed with a modern, "mobile-first" design that is optimized for conversions.

AppShieldTM Filters the Data

MK's proprietary Appshield protects identity and prevents fraud by filtering invalid data entries and repeat applications.

Invalid Data Entry

Customer receives error message to explain what was done wrong.

If Data Entry Verified...

Before pulling a Customer's credit report, AppShieldTM verifies the form has been validated.

... Credit Report Pulled

CCOS integrates with leading Credit Bureaus and other data furnishers to pull over 1,000 credit and fraud data points.

Over 1,000 Data Points Decisioned

MK's premier Automated Decisioning System processes Credit Data and Bank underwriting criteria - instantly.

If Application or Identity is Declined...

Banks can choose to counter offer Declined Customers a Secure Card or automate a decline notification.

...Adverse Action Letter Sent

Secure digital messaging allows Banks to control the message delivery timing and eliminate physically mailed Adverse Action Letters or Risk Based Pricing Notices.

Approved Loan Boarded to Bank Core

CCOS integrates with leading Core Banking providers to automatically create credit card, checking, and savings accounts.

Secured Immediate Response

Approval notifications are nearly instant and welcome emails providing Terms & Conditions and applicable compliance notices are automated.

Physical Card Arrives

Core Banking provider mails the Customer's physical payment card which arrives in hand in 5-10 days.

MK is honored to be participating in Y Combinator's Startup School accelerator which helped produce Stripe, Air BNB, and Dropbox.