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ICBA Bancard and MK Decision Partner to Offer Real-Time Loan Approvals

Mar 18, 2019

Nashville, Tenn. (March 18, 2019)—ICBA Bancard, the payments services subsidiary of the Independent Community Bankers of America® (ICBA), today announced a new partnership with MK Decision (MK) for its online loan-origination system, which streamlines the community bank credit card application process to create a more seamless customer experience to shop and apply for cards. 

“MK’s digital lending platform is a high-tech lending solution that reduces the decision-making process down to minutes, saving customers valuable time without sacrificing the exceptional service that they have come to expect from their local relationship banker,” said ICBA Bancard President and CEO Tina Giorgio. “Through this collaboration, ICBA Bancard continues to push the innovation envelope with solutions that are focused on delivering the very best products to community banks and their customers.” 

MK’s loan-origination system is mobile-optimized, ADA-compliant and paperless. In addition, the offering:

  • improves the online credit shopping experience with simple, easy-to-use marketing pages that educate and inform borrowers,
  • provides a database of known fraudsters, enabling community banks to identify these individuals through scans for aliases, IP addresses and mailing addresses,
  • features an automated decisioning engine that uses community banks’ existing risk-scoring models and digitizes them for real-time approvals, and
  • delivers a better lender experience through advanced technology integration to the credit bureaus, core processors, and other data providers.

“We are excited to partner with ICBA Bancard to deliver a safe, digitized lending experience that is as frictionless as possible for the customer, resulting in higher conversion rates for card issuers,” said Har Rai Khalsa, co-founder and chief executive officer at MK Decision. “Our mission—to stimulate local borrowing and local lending—is well aligned with ICBA Bancard and its community bank clients. We truly believe that we can help local economies, and community banks are a key part of that.”

MK Decision is one of eight emerging fintech companies selected for the ICBA ThinkTECH Accelerator program, in partnership with Little Rock, Ark.-based The Venture Center. The first-of-its-kind program exclusively focuses on community bank-fintech product development. MK will demo its loan-origination, automated-decisioning, fraud-prevention and marketing products to community banks today at the 2019 ICBA LIVE® national convention in Nashville today and again on March 27 at The Venture Center’s Innovation Hub in Little Rock.

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 more than $28 billion in sales volume in 2018 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 MK Decision
MK Decision’s mission is to make lending simple. MK offers the only loan origination system specifically designed for community banks to streamline the sales and application process for customers.  MK's simple, beautiful customer account opening experiences help community banks gain business from competitors while delivering a better lender experience through operational efficiency with automated credit decisions and data-driven fraud prevention. The MK lending platform supports a variety of loan products from credit cards and consumer loans to commercial and small business loans. For more information, visit