What operations infrastructure do you need beyond your LMS and LOS? Even “full-suite” LMSs and LOSs will leave some gaps. Adding to the confusion, many LMSs and LOSs partially cover some essential functions — for example, they might advertise payment acceptance, but can they handle mailed paper checks? They might have fraud features, but are they adequate for your product? Trust us: you want to address those gaps before launch, not discover them after. To build a compliant, s

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