Boston, MA
July 2004

Account Origination Vendor Review


The increasingly intense competition in the US credit card market puts more pressure on the issuers to increase their efficiency and and effectiveness across the entire account lifecycle and origination process is no exception.  Account origination is where the marketing efforts materialize and where critical lend / do not lend decisions are made.  In order to stay ahead of the curve, credit card issuers need to make these decisions faster, more accurately and profitably, and do so in a cost effective manner.  The latest generation of origination software products aim to accomplish this complex set of goals. 

Evren Bayri, Director of Mercator Advisory Group’s Credit Advisory Service comments, “Account Origination is an area where technology is widely used.  Today’s origination systems leverage advanced software, analytics, and modeling technologies to provide solutions to originations challenges such as processing bottlenecks and application fraud.  These systems streamline operations, reduce costs, improve efficiency, and enable cross-selling and better customer service.”

Account Origination Vendor Review provides an overview of the account origination process and typical origination system, and a discussion on the industry challenges regarding originations.  It covers leading vendors including American Management Systems, Baker Hill, and Fair Isaac Corporation looking at important factors to consider when choosing a solution.

This report contains 17 pages and 6 exhibits.

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