Price Reject Model Instructions: To utilize the price reject model, the aggregator should follow these steps: Initial Lead Submission: The aggregator must include the requested price for the lead in the <price> element of the lead submission. Price Rejection Response: If IntroXL rejects the lead due to the submitted price being too […]
Capital One and Discover Debit Cards ****show
So… Your Capital One Cards Suddenly Stopped Working? Remember when you could save and tokenize your Capital One cards without any issues? That changed recently, and not because of anything on your end, but because Capital One started moving their debit cards from Visa/Mastercard over to the Discover network. Apparently […]
Fintech Bank Cheat Sheet (like Chime)
Fintech ACH Debits One-Time Card Payment Recurring Tokenization Verdict Cash App ❌ No ⚠️ Sometimes ❌ No Dead end for repayments GO2Bank / Green Dot ❌ No ⚠️ Sometimes ❌ No Dead end for repayments Chime ✅ Yes ✅ Yes ⚠️ Partial ✅ Viable Varo / SoFi / Current […]
🏦 Using ACH Transfers With Fintech Accounts (Chime, Cash App, Venmo, and More)
Many customers use fintech apps like Chime, Cash App, Venmo, Varo, and Current for payments. These apps often provide a routing number and account number so you can make ACH transfers, but not all fintechs handle ACH the same way. ⚙️ How ACH Works With Fintech Accounts Most fintechs partner […]
Why Some Fintech Cards (Chime) Can’t Be Saved / Tokenized for Future Payments
Cards from apps like Chime, Cash App, Venmo, and others may work for a one-time payment but cannot always be saved for later use. This happens because each card is issued by a different bank, and those banks follow their own rules for security and storage. Who Issues These Cards? […]
We Pitted Two AIs Against Each Other to Solve a Wall Street-Level Puzzle. The Results Were Not What I Expected.
It began with a deceptively simple challenge: analyze a raw transaction ledger and identify the most profitable customers. But this wasn’t a tidy spreadsheet. It was an uncurated SQL export with 50+ transaction types, hidden rules, and edge cases. Anyone who has worked with real-world finance data knows this is […]
Promise to Pay Advice
PTP (P2P) in IntroXL How to log, monitor, and act on Promise-to-Pay activity without over-contacting borrowers. ✔ Success rate 50–60% ⬆ Escalate after 2 broken 📅 ACH: remind day before 💳 Debit: same-day confirm What PTP Does Takes loan out of collections → removed from dialer & Daily Call List. […]
Intro XL Set Up and Deliverables
Setup and Deliverables — Intro XL Below is a summary of the one-time configuration we perform to launch your program quickly and reliably, aligned with your workflows and compliance requirements. Infrastructure & Platform Configuration Configure AWS environment and hosting Set up customer-facing portal pages and borrower portal Customize loan application […]
Build and Evolve Credit Scorecards in the Age of AI
Build and Evolve Credit Scorecards in the Age of AI Executive Summary In today’s lending landscape, both traditional credit scorecards and advanced AI-driven models are essential tools. Whether you’re building your own or partnering with a vendor, it’s critical to balance interpretability and compliance with the power and adaptability of […]
Understanding Lead Generation and Ping Trees
Understanding Lead Generation and Ping Trees in Online Consumer Lending In the online consumer lending space, lead generation and ping trees are critical components in acquiring potential borrowers. This article provides a clear explanation of how these systems operate from a lender’s perspective and draws parallels to a silent auction […]