MK Decision, Where Marketing and Decisioning Converge.

Start Your Digital Transformation with MK Decision's Credit Card Origination System

Complete the following form, and a dedicated ICBA Bancard representative will contact you to discuss your needs and identify the best solution for your bank.

Contact ICBA Bancard
Tel: 800-242-4770

The New Standard in Digital Account Opening & Loan Origination

As consumers become accustomed to necessities at the touch of a button, make banking simple by offering online account opening and loan applications.

Set your financial institution apart from the rest by offering a mobile-first customer experience that is intuitive and engaging. MK Decision’s platform is where marketing and decisioning converge.

Market your financial products in a modern way and accelerate your underwriting. With integrations to perform identity verification and real-time credit decisioning, your team will experience end-to-end data flow from application to core processor.

ICBA Bancard and MK Decision have partnered to make your community bank’s digital transformation a reality. 

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Special Pricing Through ICBA Bancard

MK Decision is committed to strengthening local economies and empowering community banks with technology to serve customers digitally.

To accomplish our mission, we have partnered with ICBA Bancard to offer exclusive pricing for our platform. Our project team will ensure your implementation gets to market fast so your institution can start earning revenue.

Silver Package

Silver Package

Long gone are the days of paper applications. With MK’s Silver Package, create a digital branch to market your products where customers can browse, shop, and apply for credit cards. Provide your customers a digital onboarding experience without altering your back-end underwriting processes.

Gold Package

Streamline your internal operations with built-in collaboration tools and deliver an intuitive customer experience. MK’s Gold Package includes the features from the Silver Package in addition to a centralized underwriting queue at your fingertips.

With in-branch and online benefits, your team will be equipped to do more in less time, leaving room for what matters most— your customers.

Platinum Package

Boost customer confidence with a bank-branded CustomerAccount for messaging, electronic signatures, and agreement downloads to maintain customer service post-application. Eliminate repetitive data entry and quickly calculate DTI with an integration to your preferred credit bureau.

MK’s Platinum Package allows you to take your underwriting workflows to the next level. Enjoy features from the Gold Package while strengthening your team’s efficiency with comprehensive credit profiles available at the click of a button.


Enterprise Package

Searching for a package to complete your digital transformation goals? Look no further. MK’s Enterprise Package encompasses all of the features from our other packages and includes automated credit decisioning.

With time freed up from manual calculations, dedicate more time to enhancing your internal processes and serving your customers. Allow your customers to find their perfect card fit, by marketing up to five card options in your digital store.


Choose any of the above MK packages and add on any integration to boost your team’s efficiency and eliminate manual data entry.

Ensure end-to-end data flow with powerful integrations to credit bureaus, identity verification providers, and core processors. By upgrading your package, gain access to automated decisioning, real-time KYC checks, and a seamless core connection to record banking transactions

How we help you achieve your goals for digital transformation.

John Buhrmaster, President and CEO of 1st National Bank of Scotia, New York, answers the question "What are your goals for digital transformation and how can MK Decision help you achieve them?"

How does the partnership benefit Community Banks?

Tina Giorgio, President and CEO of ICBA Bancard, and Har Rai Khalsa, CEO of MK Decision, discuss how MK Decision's online loan decisioning services benefit community banks.

Member Stories

Citizens Alliance

MK Decision and Citizens Alliance Bank Partnership Delivers Credit Card Origination to Minnesota and Montana Customers

With branches in thirteen different locations, Citizens Alliance Bank leveraged MK’s platform to reach a broader audience for their credit card program.

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