Enable Technologies provides an AI‑driven, omnichannel platform that unifies deposit account opening and loan origination for banks and credit unions. The solution offers real‑time, automated credit decisioning, end‑to‑end KYC/KYB automation, and a configurable, API‑first architecture with 20+ pre‑built connectors to integrate data sources and core banking systems, delivering a consistent borrower experience across digital, branch, and call‑center channels.
Funding
Funding not disclosed
Founders
Product
Problem
Financial institutions often manage account opening and loan origination through separate, siloed systems that require manual processing, multiple integrations, and inconsistent customer experiences across digital, branch, and call‑center channels. This fragmentation creates operational inefficiency, delays approvals, and increases friction for both consumers and business borrowers.
Solution
Enable offers an AI‑driven, omnichannel origination platform that unifies deposit account opening and loan underwriting for banks and credit unions. The platform delivers real‑time guidance and automated credit decisioning, allowing institutions to launch new products in weeks rather than months. An open, API‑first architecture provides 20+ pre‑built connectors to major data sources and core banking systems, enabling seamless integration across channels. Configurable workflows, customizable user interfaces, and role‑based access control let banks tailor the experience to their brand and regulatory requirements while maintaining a single, consistent borrower journey.
Target Audience
Enable’s primary customers are banks and credit unions seeking to streamline and modernize their account opening and loan origination processes for both consumer and business clients.
Features
- Open architecture with 20+ ready connectors (Equifax, Experian, Plaid, FIS, Docusign, etc.) for rapid integration of data and core systems
- AI‑powered credit decisioning engine that automates approvals/declines based on configurable policies
- End‑to‑end automation of KYC/KYB, documentation capture, and booking into core banking platforms
- Flexible workflow designer and customizable UI components for brand‑aligned borrower experiences
- Real‑time collaboration tools that synchronize the borrower and internal user experience across digital, branch, and call‑center channels
- Multi‑branding, multi‑language, and localization support to serve diverse customer segments from a single platform
- Role‑based access control and audit trails to meet compliance and security requirements