Card Origination software by Emric.

Available separately or combined, Card Origination is a solution for processing high volumes of card applications. There’s a choice of standard service level and delivery type: licence, software as service and FINANCIAL BPO by Emric.

Automated Card Origination Processing.

  • 1.

    Lowering risk and faster time to market


    Automated card origination process from application, scoring, decision to documentation for cards


    A fully automated process which will enable you to focus on your core business

Card Origination software at its best

Card Origination is the solution that covers application, decision and documentation.

All input data is validated in the application phase and a high volume of data can be handled whether single parameters, such as income, or complex variables, such as mortgage certificates. The decision phase combines the risk scoring, lending thresholds and business rules that determine the loan decision. And the third phase, documentation, ensures that all necessary documents are produced with the correct client information. The credit document can now be signed. The Origination software is based on a Microsoft platform and is the leading system for consumer credit, cards, mortgages and corporate financing in the Nordic region. Emric origination software has processed more than SEK 750 billion.

  • User friendly
  • Able to process large volumes
  • Support for different currencies and languages
  • Flexible and scalable
  • Easy to link to business and credit reference agencies
  • Easy to integrate with other core banking systems.

The card origination modules include support for the following: multi-tenancy, multi-collateral, multi-country, multi-currency, reports, business rules, electronic signature and public interfaces. By choosing Card Origination and Analytics banks can get end-to-end system support the entire credit process. 

Sourcing Options

You can choose software licenses or let Emric take care of hosting with Software as a Service (SaaS). We can also supervise all or part of the origination and administration process with FINANCIAL BPO by Emric. Select the sourcing option that suits your business needs:

  • License
  • SaaS – purchase the software as a service with external hosting by Emric
  • FINANCIAL BPO by Emric – external process management for origination and/or administration. Emric can take care of the credit process from first application to final accounting. Standby services are also available for securitization programs.

Contact Emric for more information on our Loan Origination software.


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