Card91

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CARD91's Credit Card Management System (CCMS is a comprehensive platform designed to streamline the entire credit card lifecycle for issuers. It offers a modular and highly configurable framework that enables financial institutions to design, launch, and manage credit card programs tailored to diverse customer segments. The system ensures rapid deployment, robust regulatory compliance, and seamless integration with existing mobile applications, empowering issuers to meet evolving customer and business requirements efficiently. Key Features and Functionality: - Customized Card Programs: Issuers can design credit card programs with features tailored to the needs of various target segments. - Event-Based Card Lifecycle Management: The platform's event-driven architecture allows for intuitive design of credit card workflows, enhancing flexibility and user experience. - Regulatory Compliance: CCMS ensures strict adherence to regulatory standards, providing a trustworthy and compliant credit card management environment. - Differential APR Assignment: Issuers can assign different interest rates based on spending categories, such as pharmacy, school fees, or groceries, to encourage higher usage. - Custom Workflow Management: The system enables the design of workflows with role-based access controls and approval queues, aligning with operational needs. - Rewards Management: Issuers can foster customer loyalty by offering customized rewards programs. - Comprehensive Credit Card Modules: The platform includes modules for card program setup, card management controls, BIN management, rule-based configurations, rewards management, transaction processing, ACS for 3DS, corporate card management, reconciliation and settlement, co-branding partner management, portfolio actions, and risk management. Primary Value and User Solutions: CARD91's CCMS addresses the complexities of credit card issuance and management by providing a scalable, secure, and modular platform. It enables issuers to rapidly deploy customized credit card programs, ensuring compliance with regulatory standards and seamless integration with existing systems. By offering features like differential APR assignment and tailored rewards programs, the system helps issuers drive higher card usage and foster customer loyalty. Additionally, the event-based architecture and customizable workflows enhance operational efficiency, allowing issuers to adapt quickly to changing market demands and customer preferences.