Product Launch

Why Sponsor Banks Matter So Much Choosing a sponsor bank isn't just another box to check. It’s a consequential decision that influences your compliance obligations, user experience, and product velocity. The right sponsor can save you months of delay (and a lot of rework). But it’s not always obvious what you should be looking for—or what they’re looking for from you. Let’s break it down. What You Should Look for in a Sponsor Bank When evaluating the compatibility of a pote

Your Loan Origination System Is One of the First—and Most Critical—Decisions The loan origination system is the first impression of a credit card or loan product. It’s where risk decisions are made, customer expectations are set, and compliance obligations begin. For early-stage fintechs, choosing a Loan Origination System (LOS) is about much more than picking the forms and workflows. It’s about building a flexible, modular process that balances speed, precision, and trust. H

Your decisions when launching a lending product—especially a modern credit card—are high-stakes. The infrastructure that you choose determines your ability to scale, stay compliant, and deliver a frictionless customer experience. At the heart of that infrastructure? Your Loan Management System (LMS). Here's what you need to know to choose the right one. What to Look For in a Loan Management System 1. API-First Architecture for Seamless Integration Modern fintech stacks are mo

To build or not to build? It’s one of the biggest decisions you’ll make. When launching a credit card or lending product, one of the first decisions you face is how to architect your infrastructure. Should you choose a turnkey Banking-as-a-Service (BaaS) platform? Or should you DIY it, stitching together all the vendors yourself? There’s no universally right answer. Both have pros and cons and how you weigh them is unique to your goals. But think carefully: your decision now