ASAPP Financial Technology has announced the availability of the bank.io OXP® | Omnichannel Experience Platform Version 1 for the U.S. market. Version 1 of bank.io OXP® combines retail account and member origination, unsecured retail lending origination, CRM, ECM, and data warehouse / opportunity analysis feature sets and capabilities into a single, platform-based experience designed to streamline operations, enhance member engagement, and enable data-driven growth. Version 1 of bank.io OXP® provides: • End-to-end origination flows for deposit accounts and unsecured lending products, including loans and lines of credit. • The Platform supports multi-product applications, as well as new member onboarding, KYC, and AML requirements within a single, integrated process.
• The Platform supports both new and existing member applications, ensuring frictionless onboarding and faster decisioning. • bank.io OXP contains multilingual content management support allowing credit unions to deliver origination journeys for new and existing members in their language of preference. • Custom promotional pages allow external digital / mobile ads, social media campaigns, emails, and credit union website links to land on separate branded pages for each product or product combination, driving visual and U/X consistency and higher application completion rates. • Integrated Docusign e-signature capabilities enable any editable pdf to be labeled within the Platform and documents to be completed and signed digitally. • Deep core-banking integration minimizes data re-entry and allows direct account provisioning. A centralized member-dashboard lets members track application status and open additional accounts quickly and easily. • The bank.io OXP Opportunity Engine aggregates data from core banking data extracts, platform application history (account and lending origination), and member engagement interactions to drive proactive, data-informed outreach. • Financial institutions can identify and target member segments using over 150 member and product-level attributes. •The Opportunity Engine supports growth strategies such as renewals, next-best-product recommendations, and product up-selling opportunities. • It also enables early concern management by identifying late payments or delinquencies and prompting timely member engagement. •The Platform’s experience tracking features help institutions schedule proactive outreach and maintain consistent member touchpoints.