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Capping It Off
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Security
First Network Bank has gone live with Capstoneª Express to automate its
online credit application decisioning. Available through a hosted
Application Service Provider (ASP) environment, Capstone Express is a
real-time credit decisioning service used to automate credit card,
consumer loan, and mortgage application decisions, among others. "Because
it's delivered through an ASP, Capstone Express has, in just a few short
weeks, been easily integrated into SFNB's operational system, saving them
the time and costs of an on-site installation," said Michelle
Macartney, Group Vice President of Global Solutions Delivery for HNC
Financial Solutions, providers of Capstone Express. Capstone
Express is available with three solutions packages that allow for
increased levels of functionality and customization of the decision logic.
The service supports on-demand, online access to each client's own data as
well as to consumer credit bureaus and business credit agencies. This data
is used to assess credit risk and, optionally, application fraud risk.
Capstone Express can also interface with whatever delivery channel a
lender chooses to interact with its customers, such as the Web,
interactive voice response, direct line, or Palmª PDA devices. Atlanta-based
Security First Network Bank was the world's first Internet bank. In
February SFNB as rated the "best overall" Internet bank for the
fifth consecutive quarter by Gomez Advisors.
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