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InterACT Account Origination (AO) is a unified platform that drives the multi-channel origination of New Deposit Accounts, as well as Consumer, Mortgage and Business loans. All account and credit requests are processed and decisioned to the level of automation desired by the financial institution.

InterACT AO delivers an intuitive and consistent user experience throughout the application life cycle with shared data and common administration across the entire platform. Products, policy and entitlements are flexible and configurable to provide rapid response to changing business requirements.


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Integrated Functionality

InterACT Web Origination allows customers to enter credit and deposit account applications directly into ACI Account Origination via the bank's website. Customers can enter applications, check decision status, and print disclosures and documents.

InterACT Lending Docs provides the ability to create custom documents as well as store and populate third-party forms. Integration with third-party document and storage systems can also be accommodated.

Flexible Data Integration is a major component of the system’s versatility providing all the data you need, when and where you need it, defined at an individual product level. This instant access to information helps improve your response time to customers and close more business.

InterACT Account Origination can be implemented as a comprehensive stand-alone solution or as a ‘behind-the-scenes’ workflow and decision engine supporting our Online Banking and Branch solutions. Origination channels include self-service web, in-branch, call center and credit administration.

Product Benefits

  • Increase Profitability: Processing agility reduces decision times and heads off prospects from turning to other providers; opening new application channels and flexible cross-selling create additional revenue opportunities.
  • Improve Productivity: Rapidly add new products and programs, start account and loan requests in one channel and complete them in another, streamline application completion utilizing required fields that are dynamically triggered by product type and application status.
  • Control Risk: Consistent application of credit policies, decision automation and business rules minimizes risk, Automated fraud and duplicate application detection.
  • Reduce Cost: Save money with selective utilization of third-party data services, increase the number of applications handled per resource.