WE ARE THE PARTNER THAT UNDERSTANDS YOUR INDUSTRY

Grupo CSI brings digital origination for credit unions, banks, fintechs, retailers and insurers into a single flow. Every industry faces different challenges, but the same underlying pain: slowness, fraud and processes that do not scale: we combine technology, operations, security and bank-grade compliance to solve your industry's challenges.

ONE PARTNER TO TRANSFORM YOUR OPERATION

Tell us your challenge and we'll show you, in a personalized demo, Grupo CSI's solution applied to your operation.

CREDIT UNIONS · GROW MEMBERSHIP WITHOUT GROWING YOUR BACK OFFICE
ART lets credit unions open accounts and approve loans in minutes, online or in branch, with CIP and OFAC checks built into the flow and an audit trail ready for NCUA or state examiners.
Does ART help my credit union meet BSA/AML and CIP requirements?
Yes. ART is designed to support your CIP, OFAC screening and recordkeeping, and to generate the audit trail your BSA officer and NCUA or state examiners expect.
Do I need a large IT team to run ART?
No. Unlike platforms that hand you a tool to configure and maintain, we build, operate and maintain the process for you. Your credit union gets bank-grade technology without building a technical team to sustain it.
Does ART integrate with my core?
Yes. ART integrates with your core, the credit bureaus you already use (under your own credentials) and your internal systems, orchestrating member-facing origination without replacing the infrastructure you already have.
How long does a loan decision take with ART?
Under 10 minutes. The decision engine applies your rules and scoring automatically, replacing manual processes that take days.
What pricing model does ART use?
A transactional, scalable model: you pay based on usage and outcome. Book a demo and we'll prepare a quote for your credit union.
BANKING · VERIFY, ASSESS AND SIGN IN A SINGLE FLOW
ART unifies identity validation, credit assessment and the legal digital file in one process. Approve in seconds and open more accounts, with the security a bank requires.
How long does it take to implement ART in a bank?
Go-live takes around 6 weeks. Unlike platforms that hand you a tool for your team to configure, our Software Factory builds and operates the complete process for you, without your technical team having to dedicate resources to integrating and maintaining it.
Does ART support U.S. bank compliance requirements?
Yes. ART is designed to support your CIP, OFAC screening and recordkeeping, and to generate the audit trail your BSA officer and examiners (OCC, FDIC, Federal Reserve or your state regulator) expect. E-signatures are designed to meet ESIGN Act and UETA requirements.
How is ART different from verification platforms such as Sumsub or Incode?
Those platforms are very good at identity verification, but they stop there and work as a builder your team configures and operates. ART covers the full cycle —identity, credit assessment, approval and legally binding e-signature— and builds it to your bank's measure, operates it and keeps it up to date. Instead of giving you a tool, we hand you the finished process.
Does ART replace my core banking system?
No. ART complements your core: the core manages the portfolio, ART generates it. We integrate with your core, connect to the credit bureaus and scoring platforms you already use (under your own credentials) and with your internal systems to orchestrate customer-facing origination, without replacing the infrastructure you already have.
Does it work in branch or only in digital channels?
In both, under one engine and a single file. ART runs simultaneously in digital self-service (web, no advisor) and in assisted mode (branch, telemarketing and sales force). This is real multichannel capability that purely digital KYC platforms do not offer.
How does ART mitigate fraud risk?
ART combines OCR with AI, altered-document detection, facial recognition, liveness detection, voice biometrics, two-factor authentication (OTP) and geolocation, together with OFAC and AML screening. These controls have enabled banking institutions to reduce fraud attempts by up to 70%.
What types of products can ART originate?
Credit cards, consumer and payroll-deduction loans, accounts, and merchant onboarding (acquiring), among others. Flows are configured by product and by channel, adapting pre-qualification, assessment and e-signature to each campaign with no additional development.
What pricing model does ART use?
ART works on a transactional, scalable model: you pay based on usage and on the origination outcome, not per isolated verification. To find out which scheme applies to your bank, book a demo and we will prepare a tailored quote.
ACCELERATE YOUR FINTECH'S GROWTH
Optimized approvals to originate and scale financial products without friction, with higher conversion at every step. Ideal for fintechs that need to launch, test and optimize products in record time.
Is ART for a growing fintech or only for large banks?
It is for fintechs at a growth stage that already handle volume and need to scale origination without multiplying their team. We give you the same robustness the Tier 1 banks use, with the agility your operation needs.
How does ART let me grow without expanding the team?
Origination is automated end to end: identity, assessment and signature happen without manual intervention and process thousands of transactions per minute. Growth is absorbed by the platform, not by your headcount —as with a fintech that doubled its customer base in 6 months without hiring additional staff to operate it.
Do I have to integrate and maintain the flow with my technical team?
No. Unlike connecting loose APIs, ART hands you the finished process: our Software Factory builds it to your measure, operates it and maintains it. Your technical team focuses on the product, not on keeping origination running.
Does ART support my BSA/AML and CIP obligations?
Yes. ART is designed to support your CIP, OFAC screening and recordkeeping, with full traceability of every action and an audit trail ready for your examiners and sponsor bank.
How quickly can I go to production?
Go-live takes around 6 weeks, with the flow built to the measure of your products and channels.
What products can it originate?
Consumer and payroll-deduction loans, cards, accounts, insurance and merchant onboarding, among others. Flows are configured by product and channel according to your business model.
What pricing model does ART use?
ART works on a transactional, scalable model: you pay based on usage and outcome. To find out which scheme applies to your fintech's volume, book a demo and we will prepare a tailored quote.
INSURANCE · ISSUE POLICIES IN MINUTES, NOT DAYS
Quote, assess and issue policies automatically. ART speeds up underwriting, improves the policyholder's experience and cuts costs with 100% digital processes.
How long does it take to issue a policy with ART?
Minutes, not days. A leading insurer went from issuing in 2 days to doing it in 12 minutes, turning issuance into an agile process that does not cool the sale.
Does ART automate underwriting and eligibility assessment?
Yes. The assessment engine applies your eligibility and underwriting rules automatically, with dynamic offers and decisions in minutes, from quote to approved policy with no manual intervention.
How does ART reduce fraud in insurance contracting?
ART combines document verification with OCR and AI, facial recognition, liveness detection and biometrics, together with OFAC and AML screening. These controls have reduced fraud attempts by up to 95%.
Can issuance work as a sales channel with no manual intervention?
Yes, and it is one of the biggest benefits. ART lets contracting run 100% automated, becoming a sales channel in its own right —as with a leading insurer that issued 6,000 new policies on a recurring basis with no manual intervention.
Does ART integrate with my current underwriting and issuance systems?
Yes. ART integrates with your policy administration, underwriting and quoting systems, orchestrating the application-to-policy flow without replacing the infrastructure you already have.
Are e-signed policies legally binding?
Yes. E-signatures and tamper-evident seals are designed to meet ESIGN Act and UETA requirements, preserving the document's integrity. The policy is stored in a traceable digital file.
What pricing model does ART use?
ART works on a transactional, scalable model: you pay based on usage and outcome. To find out which scheme applies to your insurer, book a demo and we will prepare a tailored quote.
RETAIL · MORE REVENUE FOR YOUR BUSINESS
Instant financing in store and online. Private-label cards and consumer credit that raise your conversion and your average ticket: more visible payment options for the customer, more revenue for your business.
Does ART work for credit in store and in e-commerce at the same time?
Yes, under one engine and a single file. ART runs simultaneously at the physical point of sale (with an in-store advisor) and in the digital channel (self-service in your e-commerce), so the customer has the same credit experience wherever they buy.
How long does it take to approve a loan or a store card?
Minutes, not days. A leading retail chain went from approving in 2 days to doing it in 10 minutes, letting the customer complete their credit purchase in the same visit.
How does ART reduce fraud in consumer credit?
ART combines document verification with OCR and AI, facial recognition, liveness detection and biometrics, together with OFAC and AML screening. These controls have reduced fraud attempts by up to 95%, protecting your portfolio without slowing the sale.
Do my store staff need to operate a complex system?
No. The assisted flow is designed so your store staff can use it without technical training: the platform guides every step. In addition, we build, operate and maintain the process for you.
Does ART integrate with my current point of sale and e-commerce?
Yes. ART integrates with your point-of-sale systems, your e-commerce platform, the credit bureaus and scoring platforms you already use (under your own credentials) and your internal systems, orchestrating credit origination without replacing the infrastructure you already have.
What financing products can it originate?
Store cards (private-label credit), consumer loans, point-of-sale financing and installment plans, among others. Flows are configured by product and channel according to your commercial strategy.
What pricing model does ART use?
ART works on a transactional, scalable model: you pay based on usage and on the origination outcome. To find out which scheme applies to your chain, book a demo and we will prepare a tailored quote.