With robust technology, financial institutions prospect, originate, underwrite, process, and close secured and unsecured credit cards, lines of credit, and installment loans in an Omni-channel delivery ecosystem. The solution recommends products and pricing using decisioning analytics to evaluate areas such as credit quality, borrower stability, and collateral risk. It applies industry standards, institution-specific rules and policies, and custom attributes such as credit report analysis for automated decision support during loan origination. It meets compliance requirements by systematically enforcing regulations and internal business rules while providing flexibility and proof of process for manual overrides. It increases productivity and efficiency, lifts revenue, strengthens governance, risk management, and compliance, and improves customer experience.