We helped to invent credit card and loan digital banking

Helping customers engage with their finances has never been more important. They need to keep a close eye on their expenditure, how much they owe, to whom, and when bills are due.

Our heritage dates back to when we launched one of the first online credit cards, and we’ve been supporting banks, credit providers and retail financial services ever since.

Customers today still want to open an account in moments, effortlessly. Our customer origination journeys deliver seamless end to end experiences, bringing together KYC, AML, scoring and decisioning engine integration as well as digital document verification.

Cards and Personal Loans

Fintilect delivers everything you need to engage with your cards and loans customers.

Origination

Fintilect provides a quick and fully automated origination process from application to agreement including:

Electronic identification
Document upload
Credit and risk scoring
Real-time decision making in minutes
eSign agreement

Servicing

Full customer engagement through apps and web channels. The Fintilect platform lets customers:

Service their accounts more easily
Communicate securely
Manage and make card payments
Set alerts and thresholds

Smartphone and credit card with bills to pay.

Collections

Power your arrears and collections reach with direct digital engagement:

Real-time customer notification
Repayment arrangement strategies
Income and expenditure capture
Tailored collections journeys
Vulnerable customer identification

Integrations

Our platform integration expertise with third party service providers includes:

Core systems
Payment gateways
Business Intelligence systems
eSigning solutions
Credit bureaus and decisioning
Collection strategy engines

A Proven Record Of
Digital Transformation

Fintilect has over 25 years experience supporting card and loan customers.

Introducing Fintilect’s digital banking solution for credit card and personal loan clients

Fintilect’s cards and loans solutions are powered by our Digital Banking Platform, which provides a comprehensive, secure, fully flexible platform for financial service providers. We are committed to helping clients shine in this ever-competitive market.

Learn more about our digital banking platform Our digital banking platform

Smartphone merged with credit card and fingerprint for security.

What Fintilect offers its cards and loans clients

Completely customizable

The Fintilect platform can be built around specific requirements. It’s not ‘one-size-fits all’ digital banking software. Instead, specific modules can be selected.

Clients remain in control throughout the entire journey.

Smartphone with sphere hovering over it and robotic arms making changes.

Fully automated using AI

Pre-qualification capabilities, electronic identification technology and cutting-edge AI combine to provide a seamless journey.

This paves the way for high completion rates and better customer satisfaction.

Two smartphones and a large black sphere with energy lights behind.

Fast and easy-to-use

A borrower can complete the entire card or loan origination process – from application to signed agreement – in a matter of minutes.

There are no manual data submissions, needless data fields or slow decision turnarounds.

Smartphone and banking app with black sphere backlit with red data lines.

Simple to set-up

Fintilect’s cards and loans solution is straightforward to configure and easily integrates with all existing back-office applications.

Quick to market

Get a card or loan product live in weeks not months.

Modules are pre-built with no costly development bottlenecks or long-winded ‘build-from-scratch’ processes.

Highly secure

Our cards and loans solution is built with security front-of-mind and meets PCI-DSS and IS27001 compliance standards by default, offering complete peace of mind.