Optimus: Credit Card Management Platform | CARD91
OPTIMUS
## Credit Card Issuance Redefined
Effortlessly create, launch, and manage innovative credit products with CARD91’s Credit Card Management System.
Key Features
Effortlessly create, launch and manage credit products
Customised Card Programs
Enables issuers to design credit card programs, tailoring features to suit the needs of diverse target segments.
Drive Higher Usage Through Differential APR
Assign differential Interest Rates by spend category like Pharmacy, School Fee, Grocery to increase usage.
Ensure Regulatory Compliance
Our platform ensures robust adherence to regulatory standards, empowering a trustworthy Credit Card Management System.
Manage Custom Flows
Issuers can effortlessly design workflows from Role Based Access Controls, Approval Queues to align with their operations.
Drive Loyalty Through Rewards
Foster stronger connections and drive loyalty by offering customized rewards.
Design Event-based Card Lifecycle Journey
Our event-based architecture gives you the flexibility to design the workflow of your credit card lifecycle in an intuitive fashion that your product managers are going to love.
Credit card modules
Featuring our comprehensive Credit Card Management modules that enable enhanced control and convenience
Co-branding Partner Management
Portfolio Actions
Risk Management
Card Program Set-up
Card Management Controls
BIN Management
Rule-based Configurations
Rewards Management
Transaction Processing
ACS for 3DS
Corporate Card Management
Recon & Settlement
Fast-track the rollout of your credit card issuance, from idea to market with CARD91
Modular
Secure
Scalable
What we provide?
Secured
- A credit builder product to help new-to-card customers built credit responsibly.
- Easily integrates with your Collateral Management service.
- Graduate customers from secured to unsecured based on usage and repayment behavior.
Unsecured
- Underwrite customers based on their risk-profile derived from bureau data.
- Manage end-to-end journey from onboarding, underwriting, issuance, card management to delinquency & collection services.
Commercial
- Controlled employee spending, improved cash flow and efficient expense management.
- Issue Virtual Cards instantly to members of your business team ensuring safety and security.
Credit Card on UPI
- Empower your customer to just scan and pay merchants.
- Offer the benefit of unmatched merchant acceptance with the power of UPI.
Resources
Our Latest Partnerships & Announcements
Latest Press Release
Blog Posts
Routing Breakdowns in Digital Onboarding: How Banks and NBFCs Can Identify Them Early
Learn how banks and NBFCs can identify routing breakdowns in digital onboarding before they affect review load and decision quality.
BFSI Onboarding Escalation Design: When a Case Should Move to Review or Higher Scrutiny
Learn how banks and NBFCs can improve BFSI onboarding escalation design for better review routing and stronger control.
How Banks and NBFCs Can Reduce Review Backlogs Without Weakening Control
Learn how banks and NBFCs can reduce review backlogs in BFSI onboarding without weakening control or slowing decisions.
What Good Clarification Workflow Design Looks Like in Digital Onboarding
Learn what good clarification workflow design looks like in digital onboarding and how it helps reduce unnecessary review.
Start modernising your payments with CARD91 infrastructure
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