Bankers’ Bank Partners with MK Decision to Bring Frictionless Credit Card Origination to Community Banks

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New credit card origination system will level the playing field for community banks.

Bankers' Bank and MK Decision christening the new partnership. From left to right: Har Rai Khalsa, MK Decision; Robert Jarosinski, Bankers' Bank, Guru Dharam Khalsa; MK Decision)

“It’s a game changer. With MK’s CCOS™ our community bank partners will have the ability to freely market their credit card programs without fear of capacity constraints, fraud or friction,” says Robert Jarosinski, FVP BankCards & Payments for Bankers' Bank.

Bankers' Bank is collaborating with MK Decision to bring MK’s Credit Card Origination System (CCOS™) to over 100 community bank partners throughout the Midwest. This agreement will allow community banks to offer credit card applicants a streamlined online credit decision experience.

According to Robert Jarosinski, First Vice President of BankCards & Payments at Bankers’ Bank, “When selecting a system, we weren’t just looking for a product that would provide an industry leading experience, we wanted someone who shared our community values.”

With products that drive fee income and cultivate brand identity becoming a central focus for all community banks, removing barriers for interested credit card applicants and improving application processing are critical strategies.

"Many Community Banks are losing borrowers online to Big Banks and FinTechs. This is largely due to antiquated borrowing experiences, paper-intensive application processes, and completely manual underwriting. MK Decision solves these problems with a digital loan origination platform that automates credit decisioning. Decisions that used to take days can now be completed in seconds” says MK’s CEO, Har Rai Khalsa.

Community bank partners with Bankers’ Bank will benefit from:

  • Simple, easy-to-use borrower experiences
  • Automated credit decisions
  • Increased origination volume and fee income
  • Reduced operational and compliance burdens

“It’s a game changer. With MK’s CCOS™ our community bank partners will have the ability to freely market their credit card programs without fear of capacity constraints, fraud or friction,” says Jarosinski.

Each site will be customized to the community bank’s brand. Whether a bank wants a turn-key program or prefers something more hands-on, Bankers’ Bank can meet their needs. The industry-leading origination solution is planned to go live in the second quarter of 2019.

About Bankers’ Bancorporation, Inc. & Bankers’ Bank
Bankers’ Bancorporation, Inc. is the parent company of Bankers’ Bank, a bank-owned correspondent based in Madison, Wisconsin, since 1981. Bankers’ Bank is the Midwest’s leading provider of banking services to community banks, with offices in the Madison, Chicago, Des Moines, and Indianapolis areas serving the four-state area and beyond. As an independent source of non-competing financial services, the Bank serves a market of over 700 financial institutions. The Bank does not serve the public so it never competes with client banks for business. More information is available at

About MK Decision
MK Decision’s mission is to make lending simple. MK offers the only lending platform designed for marketing and sales initiatives within the community bank. Start gaining business from competitors and improve customer account opening experiences using MK's simple, beautiful sales funnels and application workflows. MK's platform delivers a better lending experience, through operational efficiency, with automated credit decisions and data-driven fraud prevention across a variety of loan products from credit cards and consumer loans to commercial and small business loans. For more information, visit

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Robert Jarosinski
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