Onboarding and origination platform for financial products

Launching a financial product starts with acquiring and qualifying customers. Stitch's origination platform provides a unified system for capturing applications, running KYC and compliance checks, making credit decisions, and converting applicants into active customers, all from a single integration. The platform supports omnichannel origination across web, mobile, branch, and agent-assisted channels. Every application flows through configurable workflows that you design: define the data you need to collect, connect identity verification and credit bureau providers, set up decisioning rules, and automate approvals or escalations based on your risk appetite. Whether you are onboarding customers for a card program, a lending product, a wallet, or a deposit account, Stitch's origination engine handles the full journey from first touchpoint to account activation. Key capabilities include configurable application workflows (multi-step forms with conditional logic, document upload, and real-time validation), integrated KYC and identity verification (connect to identity, document checking, watchlist screening, and AML providers), intelligent decisioning engine (automate approval, rejection, and referral decisions using rules and custom scoring models), omnichannel support (accept applications through web, mobile, embedded widgets, agent-assisted flows, or branch systems), document collection and management (collect, verify, and store applicant documents with configurable requirements), and real-time analytics (track application volumes, conversion rates, approval rates, and processing times).