Access Digital® Lending delivers a fully automated, omnichannel experience that lets borrowers apply anytime, on any device, with seamless handoff between channels. AI-powered decisioning accelerates approvals while built-in fraud protection ensures security at every step. With deep analytics, personalization tools, and proven results like a 4X increase in applications, the platform helps financial institutions boost conversions, reduce operational costs, and scale with confidence—all while integrating easily with existing systems.
Deliver an innovating, seamless lending experience across every device with real-time fraud protection, intelligent decisioning, and proven conversion results—24/7.
24/7 loan application access and processing from desktop, mobile, or tablet provide seamless transitions for both borrowers and staff
During document intake, real-time anti-fraud mechanisms examine metadata for signs of tampering. Backed by AFS integrations, the platform flags anomalies and helps ensure the integrity of loan approval processes
Documents can be signed electronically on any channel—speeding up origination and enhancing user experience.
Real-time underwriting expedites decision making
Document collection and review flow through configurable, rule‑driven workflows. Loan officers can see document statuses, trigger alerts, and provide status updates. The system tracks timestamps and actor activity for audit trails
Borrowers can upload loan documents via mobile or desktop. Documents are securely stored, benefitting from enterprise-grade encryption, MFA, and biometrics for access—helping satisfy regulatory and security requirements
Disburse loan funds instantly to a newly opened or existing account
Use card rails or ACH alternatives to push funds quickly
Eliminate the wait time traditionally associated with ACH processing
Financial institutions have seen up to a 25% increase in non-member loans when they switch to the Access Digital lending.
With Access Digital, clients can complete a loan application and securely save their information for future use across other services, such as applying for additional loans or opening new accounts—eliminating the need to re-enter data. By enabling seamless access to the institution’s full suite of digital services, this integrated approach streamlines the user experience and fosters deeper, more comprehensive banking relationships
This white paper explores the critical role of accessible loan payment solutions in enhancing credit union success rates for loan payments, ultimately benefiting both the institution and its members.
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