Colombia's second-largest credit card issuer approves cards from a mobile device in under 5 minutes

The bank wanted credit card approval to happen on the spot, from a mobile device, without compromising the security that cardholder data demands. The goals were very specific:

• Mobile approval: enable application and approval from mobile devices, for both employees and customers.
• Fewer than 5 steps: a short process that doesn't lose applicants halfway through.
• An answer in under 5 minutes: a decision that arrives while the customer is still there.
• No shortcuts on PCI DSS: protecting data in line with the payment card industry standard.

Redsis implemented Secure Forms, the secure web-forms module of Fortra GoAnywhere MFT, adapted for mobile devices. Secure Forms captures data and documents through customizable HTTPS web forms; every submission automatically triggers a GoAnywhere workflow (Project) that processes, validates and routes the information.

Here, that workflow was integrated with the credit bureaus, so the check behind each credit decision runs automatically, with no rework or manual re-keying. The build was designed in 5 days on a scalable architecture ready to grow with application volume.

GoAnywhere capabilities the bank relies on

• Customizable web forms with fields, dropdowns, checkboxes and file uploads, usable on mobile.
• AES-256 encryption for data in transit and at rest.
• Automatic workflow triggers (Advanced Workflows) on submission to validate and route data.
• Integration with external services such as credit bureaus, without point-to-point custom code.
• Submission history and audit trails for internal control and PCI DSS compliance.

With more than 25 years delivering infrastructure and software to Latin American banks, Redsis pairs mission-critical platform expertise with an automation and integration portfolio that includes Fortra solutions such as GoAnywhere MFT and JAMS. Our approach covers the full cycle: process design, form and workflow development, integration with internal and external services, go-live and support.