01 Overview
Portal Home
The entry point for every audience, showing where every application sits right now.
Credit Card & Loan Origination
Origination Portal
One portal for the whole retail credit lifecycle. A customer applies from their phone in about ten minutes, AI-OCR fills the form from their documents, and a live rules engine scores and routes the file through to a card in the courier’s hands.
ApplyVerifyDecideFulfil
~10
Minutes to apply
2
Products
1
Application file
100%
Actions attributed
White-label · configured to your own policy, products and authority matrix
At a glance
Ten minutes to apply. One file, all the way through.
Made for
Retail banks running credit card and personal loan origination across sales, verification, credit and card operations.
How it starts
The applicant photographs their documents on a phone. AI-OCR fills the form; they confirm rather than type.
What decides
A live rules engine scores each file against your current credit policy and routes anything outside it to the right approver.
Where it ends
A card in the courier’s hands, with every stage, query and approval on one auditable file.
Application lifecycle
Every stage owned, and a file is never between them.
Each stage is owned by a named role, and a file sits in exactly one at a time. The stage a file is in is the same fact the applicant sees, the queue counts, and the pipeline board reports.
- 01 Application
- 02 Sales Screening
- 03 Verification
- 04 Credit Analysis
- 05 Query Resolution
- 06 Credit Approval
- 07 Card Operations
- 08 Dispatched
Product areas
Twelve areas, one application file.
Customer channels, back office, credit decisioning, fulfilment and management. Every area reads and writes the same file, so nothing has to be reconciled between them afterwards.
02 Customer
Card Application
The applicant journey: OTP, product choice, upload-first onboarding and a digital form.
03 Customer
Loan Application
The same journey shaped for personal lending, with its own product rules and documents.
04 Customer
Status & Queries
Where the file stands, and any query raised against it, answered by re-upload from the phone.
05 Back office
Work Queues
A queue per role, badged with what is waiting, so nobody hunts for their own work.
06 Back office
File Workbench
One application file: documents, extracted fields, history, and every action taken on it.
07 Back office
Action Panel
The decisions available to this role at this stage, and nothing that is not.
08 Back office
Central Verification
Identity, document and bureau checks, run centrally and recorded on the file.
09 Decision
Scorecard & DBR
Scoring, bureau pull and debt-burden ratio, computed live against the current policy.
10 Decision
Exceptions
Policy breaches routed by authority level, each needing the right signature to clear.
11 Fulfilment
Card Operations
Embossing, personalisation, PIN handling and dispatch to the courier.
12 Management
Pipeline & Dashboard
The whole book by stage and by vintage, plus a scorecard playground for policy changes.
The applicant
Snap your documents: the form fills itself.
The slowest part of a credit application has always been typing what is already printed on a document the applicant is holding. Upload-first onboarding inverts that: photograph, extract, confirm.
Journey 01
Apply from a phone
Mobile number and OTP, the product, then the camera. AI-OCR reads each document and reports which fields it filled, so the applicant checks rather than types.
- Each document reports how many fields it produced, and its confidence.
- A live selfie forms part of secure eKYC, without a branch visit.
- Short form sections follow: only the parts that genuinely need a human answer.
Platinum VISA
•••• •••• •••• 4471
Your name here
Documents read
National ID 9 Read
Letter of introduction 4 Read
Visiting card 3 Read
Live selfie 1 Matched
Then a few short sections
Personal details
Contact details
Professional
Accounts & instructions
Review 17 filled fields
Upload first, type almost nothing
The applicant photographs their identity and supporting documents and takes a live selfie. AI-OCR reads them and fills the form, so what is left is confirmation rather than data entry.
AI-OCR ExtractionLive SelfieField ConfidenceConfirm, Not Type
About ten minutes, from a phone
Mobile sign-up, product choice and documents, then only the sections that genuinely need a human answer, in short guided steps.
OTP Sign-UpProduct ChoiceGuided SectionsResume Later
Assisted or self-serve
The same file can be opened by the customer themselves or by a sales executive sitting with them, and the portal records which channel every file came through.
Self-ApplicationAssisted CaptureChannel RecordedRequest Assistance
Queries answered from the phone
When an analyst raises a query, the applicant is notified on the channel they came in on and can re-upload against that specific query: no branch visit, no restart.
Omnichannel NoticeTargeted Re-UploadQuery ThreadNo Restart
Back office
Everyone sees their own work, and only their own actions.
The portal home opens the customer journey, every staff workspace and the management views, and shows where every application sits right now. A workspace tile is badged with the files waiting on it.
Screen 01
Pipeline and role workspaces
A live count of files at each stage with declines called out, then one tile per staff role badged with what is waiting on it. Nobody hunts for their own work.
- Stage counts are read from the files themselves, not from a reporting copy.
- A scenario launcher opens any checkpoint in the lifecycle as the role that owns it.
- Every staff role plus the customer and executive views, from one home screen.
2
Application
0
Sales Screening
6
Verification
6
Credit Analysis
0
Query Resolution
4
Credit Approval
6
Card Operations
4
Dispatched
5 Declined: reason recorded on each file
Role workspaces
Sales Executive
Assisted applications & document capture
Relationship Manager
Screening & recommendations
Head of Sales
Sales-side recommendations
Digital Unit
Lead monitoring & routing
Central Verification
Identity & document verification
Credit Operations
Allocation & verification tracking
Credit Analyst
Underwriting & query management
Credit Approver
Final approval
Senior Credit Approver
Final approval
Head of Cards
Policy exceptions
Screen 02
Every path, openable at its checkpoint
A straight-through file, a query loop, a policy exception and a policy stop, each openable at the moment it matters, as the role that owns it.
- Where policy says a file cannot proceed, it stops, and the reason is written to the file.
- A policy breach routes to the authority that can clear that specific breach.
- The same file carries its history, so the path taken is visible afterwards.
S1 Self-application → straight through
Documents uploaded, AI-OCR fills the form, score 98, all the way to card dispatch.
Opens as Customer
S2 Analyst query loop
An assisted file with the credit analyst. Raise a query, the customer re-uploads, the approver clears it.
Opens as Analyst
S3 Policy exception
Debt burden over benchmark. Routed to the authority that can clear that specific breach.
Opens as Approver
S4 Policy stop at verification
Waiting at central verification. A check fails policy, the file declines, and the reason is written to it.
Opens as Verification
Every role, its own queue
From sales and relationship managers through verification, credit analysis and approval to card operations, each role sees exactly the files waiting on it.
Role-Based QueuesBadged QueuesRole SwitcherNothing Unassigned
One file, everything on it
Documents beside the fields they produced, the history of every stage it has passed, every query raised and answered, and the identity of whoever moved it, on one screen.
Docs & FieldsFull HistoryQuery ThreadAttributed Actions
Actions bounded by stage and role
The action panel offers what this role may do at this stage and nothing else. An approval nobody has authority for is not a rejected click. It is not there.
Stage-BoundedRole-BoundedAuthority MatrixAudit on Every Action
Verification that can stop a file
Identity, document and bureau checks run centrally, early in the file’s life. Where your policy says a file cannot proceed, it stops there, and the reason is recorded on the file.
Central VerificationContact VerificationPolicy StopsDecline Reason Recorded
Credit decisioning
Scored live, and routed by authority.
The scorecard, the bureau pull and the debt-burden ratio run against current policy while the file is still moving. A breach is routed to the level that can clear it, with the size of the breach stated on the approval.
Screen 03
Decision panel
Score, debt burden and bureau status on one panel, each shown against your policy, so a marginal file is visibly marginal rather than merely passing.
- Every figure carries the policy version it was computed against.
- The exception path is stated before it is taken, with the named authority on it.
- Who approved, when, and against which policy, is recorded on the same panel.
Application score 98
within policy
Debt burden ratio 32%
within benchmark
Bureau status Clean
no adverse record
EXCEPTION PATH Any breach routes to the named approver before sign-off
Documents read
4
Current stage
Analysis
Queries raised
0
Scored while it is still open
The scorecard, the bureau pull and the debt-burden ratio run against the live policy as the file moves, so a decision is never made against a snapshot from a week ago.
Live ScorecardBureau IntegrationDBR ComputationStraight-Through Path
Exceptions go to the right signature
A file over benchmark is not simply declined. It is routed to the authority level that can approve that specific breach, with the breach and its size stated on the approval.
Graded AuthorityBreach StatedRouted AutomaticallyApproval Recorded
A playground for policy
Policy changes can be modelled against the existing book before they are published, so the effect of moving a cut-off is a number, not an argument.
Scorecard PlaygroundModelled Against BookBefore PublishVersioned Policy
Everything in the portal
One file, from the camera to the courier.
- AI-OCR document extraction
- Secure eKYC with live selfie
- Applicant e-signature capture
- Your own SOP stages, end to end
- Role-based work queues
- Single application file workbench
- Stage- and role-bounded actions
- Central and contact-point verification
- Credit bureau integration
- Live scorecard and debt-burden ratio
- Graded exception approval authority
- Query loop with targeted re-upload
- Omnichannel applicant notification
- Card embossing, PIN and dispatch
- Pipeline board by stage and vintage
- Executive dashboard and scorecard playground
Platform
Configured to your policy, not to ours.
Products, document sets, scorecards, benchmarks and the authority matrix are all configuration. The integrations are the points where it meets what you already run.
Products
- Credit card origination
- Personal loan origination
- Per-product document sets
- Per-product policy rules
Channels
- Customer self-application
- Assisted capture by sales
- Status tracking and queries
- Omnichannel notification
Integrations
- Credit bureau
- Core banking
- eKYC and document services
- Courier and card personalisation
Governance
- Configurable authority matrix
- Every action attributed and timed
- Decline reasons recorded
- Versioned, publishable policy
Financial services
Walk a file from the camera to dispatch.
We will run your own product and policy through every stage (straight-through, a query loop, and a policy exception) so you can see where your book would actually go.