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Evolving to meet the moment

Credit issuance is no longer just about having the right loan origination system. Fintech innovation has raised the bar by streamlining the digital loan process, improving fraud detection, and incorporating non-traditional data. Today’s lenders need more than a powerful decision engine. They need dynamic workflows that can expand fraud detection capabilities, incorporate alternative analytics within the decision process, and enhance operational control.

Lending reimagined

As part of CGI Credit Studio, ACAPS X is a comprehensive, digital, real-time, event-driven lending solution that delivers a modern, Fintech-like origination experience. From application to booking, ACAPS X enables a digitally immersive journey, empowering applicants to share rich, personalized, real-time financial information that leads to improved credit decision accuracy and lower overall risk.

Designed to be intuitive to use, ACAPS X’s open architecture makes applicant collaboration and third-party integration simple and easy. Highly-configurable product capabilities enable businesses to define expansive applicant journeys and comprehensive product offerings to maximize portfolio performance and profitability.

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Quicker time to market

Deliver new products faster with intuitive strategy management on a low/no-code modular platform.

Digital customer experience

Create highly personalized customer journeys leveraging augmented credit inputs and robust digital interactions to maximize approval accuracy.


Support rapid strategy evolution and continual model learning through embedded intelligence and easy A/B testing capabilities.

Lower cost of ownership

Manage application-level costs through workflow-driven originations, while virtually eliminating maintenance and configuration costs through a cloud-native architecture.

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Why partner with CGI to create a tailored lending experience?

With decades of credit experience, we offer next-generation credit management through cloud-native standards and an unwavering commitment to clients within the credit management sector. Our clients benefit from a track record that includes:

  • 40+ years of experience across all lines of the credit industry
  • 120+ implementations of CGI originations software for some of the world’s largest organizations
  • Best-in-class awards from analysts such as Gartner and Aite Novarica
  • CGI Credit Studio’s business-centric platform design, which delivers event-driven foundation, microservices architecture, industry standard tools, robust API set, workflow management and modern, responsive user interface

Connect with our team to learn more about ACAPS X for originations