Grow faster. Across every product. Above any core.
- Deposits
- Loans
- Cards
- Mortgages
- Insurance
- Wealth
- Bundles
FintechOS Unified Origination is an AI-first, cross-product origination solution for retail and business banking. It runs above existing cores, accelerating time-to-market and lifting origination growth.
Banks can't launch propositions fast enough, and the cost of trying keeps growing
Across product verticals, origination logic sits buried inside the core, often across multiple cores.
45 weeks
Average Time-To-Live Per Product
From product committee approval to first customer transaction, across product, IT, channels, risk, compliance, and operations.
Average 3-5
Origination Stacks, Often More
A different platform per product line (retail loans, mortgages, credit cards, deposits, SME lending, corporate origination), often with separate stacks per channel. One product change becomes five sets of testing and compliance sign-offs.
9%
Cross-Sell Ratio at Traditional Banks
The average household holds 8 to 10 financial products. Most buy fewer than 2 from their primary bank. Digital natives took the loyalty loop while banks launched products one stack at a time.
Move product logic above the core
The fastest movers don’t run multi-year core replacements.
They consolidate above the core.
Consolidate Origination
Mortgages, lending, deposits, cards, SME and corporate origination, embedded finance: lift them out of separate origination stacks and consolidate into one governed layer that product, risk, compliance, IT, and distribution teams all share. Legacy platforms come down one product at a time. The change happens in one place, once.
Copilot Propositions
Dex replaces code and customization projects with natural-language authoring: configure products, pricing, eligibility, and origination workflows against a governed schema. The people closest to the proposition steer; the platform builds. Proposition cycles compress from quarters to weeks.
Run on an agentic context window
Traditional stacks see one product at a time. The Unified Layer sees them all. Cross-sell at the point of need. Bundles that work because the engine knows the customer. Personalization that operates, not aspires.
Our solution sits above your core, consolidating 3–5 origination stacks into one engine, copiloted through Dex, and running on the broadest context window in banking origination.
Composable, agentic, governed. Above any core
Unified Product, Pricing & Origination
A composable layer for product, pricing, and origination, across channels, lines of business, segments, and any core system.
Consistent product, pricing, and journey logic across every channel banks operate, and across every customer segment they serve. Integrates with existing channel front-ends or replaces them with FintechOS-native ones, with proposition and decisioning personalized at the channel-and-customer level rather than duplicated per silo.
Six capability domains (Product & Pricing, Segments & Channels, Bundling & Cross-sell, Underwriting, Offer Management, and Fulfillment) on one governed engine, covering every banking product line: Deposits, Loans, Cards, Mortgages, Insurance, and Wealth. Configured through Dex, the AI copilot for natural-language authoring against a governed schema. Out-of-the-box solution accelerators across each product line, fully configurable to your appetite, pricing model, and customer segments.
The runtime that coordinates AI agents, human practitioners, and structured business processes in one governance framework: BPMN-aligned, deterministic at the process level, agentic at the task level. Agent actions are audit-traceable and policy-constrained, with human-on-the-loop controls where decisioning warrants them. That's what makes agentic AI governable in the regulated banking environment.
Data Core resolves fragmented banking data without forcing physical consolidation: virtualizing access to every core system, payment rail, CRM, identity verification, KYC/AML provider, credit bureau, and ecosystem data source through a unified semantic layer. Agents and humans reason over one coherent, governed view of the customer, product, and risk context, rather than the patchwork of disconnected systems traditional origination stacks run against.
The full banking origination toolkit
Start in a quarter. Modernize origination on your terms
First Quarter
A live banking proposition on Unified Origination (Retail DAO, Retail Loans, Mortgages, Cards, Business DAO, or Business Loans), validated against your appetite, pricing, and channel.
First Year
Three to five product lines live on Unified Origination across Retail, Business, or both, with cross-product offers, bundles, and propositions orchestrated above the core. Proposition cycles compressed from quarters to weeks.
Year Two and Beyond
A unified Product, Pricing & Origination Layer running every banking product, offer, and proposition across every channel and every segment. Legacy origination stacks progressively decommissioned, one product line at a time. The cross-product growth that fragmented stacks couldn’t deliver: operational.
Solution accelerators that ship in weeks
Each accelerator is a complete product line (product configuration, pricing matrices, journeys, workflows, connectors, and integrations), pre-built on Unified Origination and configured to your regulatory geography. Live in a quarter, not a year
Retail Digital Account Opening
A complete digital account opening accelerator for retail customers (covering personal current accounts, savings, joint accounts, and youth banking), with channel-specific journeys for digital, branch, and indirect distribution. Configurable to your KYC depth, regulatory geography, and product shelf.
- Retail
- DAO
- Onboarding
- KYC
- Multi-Channel
- Personal
Retail Loans
End-to-end personal and consumer lending, from product configuration through digital quote-to-funding, including unsecured personal loans, point-of-sale finance, BNPL, and revolving credit. Pre-built integrations with bureaus, scorecards, and KYC providers across each geography. Proven at TBI Bank, ProCredit Group, Vibrant Credit Union.
- Retail
- Personal
- BNPL
- POS Finance
- Bureau
- KYC
Retail Mortgages
A complete retail mortgage product line, from product wording and rating through eligibility intake, application, document capture, decisioning, binding offers, and disbursement. Direct-to-customer, broker, and indirect journeys on one engine. Proven at Avant Money, CEC Bank, Admiral Money.
- Retail
- Mortgage
- Broker
- Direct
- Decisioning
- Disbursement
Retail Cards
A complete cards origination accelerator covering credit cards, debit cards, and embedded cards, from application through decisioning, issuance, and activation, with cross-sell at point of need to other product lines. Pre-integrated with major card networks, BIN sponsors, and issuing platforms. Proven at TBI Bank, ProCredit Group, CEC Bank.
- Retail
- Cards
- Credit
- Debiut
- Embedded
- Cross-sell
Business Digital Account Opening
End-to-end business onboarding, from application through legal entity verification, UBO checks, KYC/KYB scaled to risk, and digital activation. Configurable to your business segments (sole traders to corporates) and to local registries, sanctions, and PEP databases. Proven at ProCredit Group, Société Générale, TBI Bank.
- DAO
- KYB
- UBO
- Multi-jurisdiction
- Multi-segment
Business Loans
complete business lending accelerator covering working capital lines, asset finance, term loans, revolving facilities, and SME-to-corporate-scale lending, with relationship-manager workbench, broker portal, and direct-to-customer journeys on the same engine. Pre-integrated with credit bureaus, business credit data providers, and accounting platforms across the US, UK, and Europe. Proven at ProCredit Group, Société Générale, Victoria Bank.
- Business
- Loans
- RM Workbench
- Broker
- Direct
- Multi-product
What banks and credit unions see after deploying Unified Origination
Indicative pre- and post-deployment performance for a mid-size FI customer. Numbers triangulate industry research with FintechOS internal customer benchmarks; specific outcomes vary by scope and starting architecture.
Metric
Before UPPO
After UPPO
Customer Acquisition Cost
Lower is better
Before
$560
After
$15
Marginal CAC via cross-sell at point of need
Cross-sell Ratio
Higher is better
Before
9%
After
38%
Avg. Time to Live per Product
Lower is better
Before
45
weeks
After
12
weeks
Customer & Agent CSAT
Higher is better
Before
5.2
After
8.9
No. of Origination Systems
Lower is better
Before
3-5
After
1
Hear from our customers
FintechOS 8 powers product operations for some of the most ambitious companies in banking and insurance.
Averil Nolan
Head of Mortgage Strategy and Transformation, Avant Money
“With FintechOS, we created a more transparent and collaborative mortgage journey by bringing customers, brokers, and our internal teams into one shared process. That visibility across the lifecycle has helped us make decisions faster and deliver a clearer and more efficient experience without disrupting our existing systems.”
Maja Mikic
Executive Director for Digital Transformation, BRD Groupe Société Générale
“To the banks who are looking for a reliable IT partner who can help them bring the digital sales channels fast to the market in a reliable and consistent way, I would definitely recommend working with FintechOS.”
Pritpal Powar
Pet Director, Admiral
“With FintechOS we were able to meet our aggressive launch deadline, while also delivering an innovative digital pet insurance solution.”
Kevin Knorr
CIO, MHG Insurance
“FintechOS doesn’t have the limitations we’ve found with other products… FintechOS differentiates us from other companies.”
Ready to modernize origination on your terms?
A 30-minute working session with a FintechOS banking consultant. Bring your origination stacks, your most urgent proposition, and the growth priority you’d most like to address in a quarter. We’ll talk through your specifics and map Unified Origination to what your first quarter, first year, and unified origination layer would look like in production.