Frequently Asked Questions
In this MO Frequently Asked Questions section, you will find answers to the most common questions about our products and services. If you can't find what you're looking for, contact us for additional assistance.
Can I customize my credit products?
Absolutely. Our platform allows you to customize interest rates, fees, limits, payment terms, and user experience—across more than 200 configuration parameters.
Can I launch an MVP with MO?
Yes. MO enables the launch of a Minimum Viable Product (MVP) to test and validate your credit operation with lower investment and risk.
Where does MO operate?
MO was born in LATAM, with its headquarters in Colombia. We currently operate across: - Latin America. - The Caribbean. - The United States.
Does MO lend money or issue credit cards?
No. MO does not lend money or issue cards directly. We provide the technology platform so that our clients can operate their own credit products independently.
Who uses MO?
Our platform is designed for: - Regulated and unregulated financial institutions. - Fintechs and neobanks. - Companies with proprietary credit programs (retailers, telcos, insurers, etc.).
What are the key benefits of MO?
Launch multiple credit products in parallel. - Time-to-market measured in weeks, not months. - Lower operational costs. - Full control over credit operations. - Easy integration with onboarding, scoring, payment, risk engines, and KYC, ecosystems. - ISO 27001 certified security.
What problem does MO solve?
Most institutions still rely on legacy systems that are slow, expensive, and rigid. MO replaces them with a modern infrastructure that enables innovation, rapid product launches, and scalable credit operations with full control.
What use cases does MO enable?
MO supports five key credit use cases: - Buy Now, Pay Later (BNPL). - Cash Advance. - Payroll Advance. - Installment Loans. - Credit Cards. All Lending products are managed within the Lending Core, and credit card programs are operated through the Credit Card Core.
What products does MO offer?
MO has two main cores: Lending Core: Enables the simultaneous management of multiple credit products from a single dashboard: - Buy Now, Pay Later (BNPL). - Cash Advance. - Payroll Advance. - Installment Loans. Credit Card Core: Enables the complete creation and management of credit card programs. Thanks to our integrations with leading processors in the region (like Galileo, Pomelo, Dock, and Girasol), we accelerate your go-to-market, with implementations possible in just weeks.
What is MO?
MO is a next-generation credit management platform built to help any credit issuer launch, modernize, and scale financial products with speed, security, and efficiency. The platform is cloud-based, modular, highly integrable, and built API-First, allowing for agile, flexible, and customized implementation.
What parts of the platform can be customized?
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Is the platform deployed on-premises or hosted in the cloud?
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What programming language does MO use?
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Is the deployment instance shared?
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Does the MO platform receive periodic updates?
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Can the MO platform support multiple use cases / credit programs simultaneously?
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How does the solution work at a high level?
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What is the platform’s implementation timeline?
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What is the MO Credit Management Platform?
MO Credit Management Platform is a next-generation credit-management solution built for financial institutions, fintechs, and any company looking to launch or enhance credit products. It delivers quick, out-of-the-box support for five key use cases—Credit Cards, Buy Now Pay Later (BNPL), Instalment Loans, Salary Advances, and Cash Advances—within a cloud-native platform that guarantees top-tier security, performance, and scalability.
How does the Lending Core handle loan applications and the approval process?
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How are collections and payment recovery managed in the Lending Core?
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Does the Lending Core support amortization and refinancing features?
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What risk-assessment tools are integrated into the Lending Core?
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How are loan terms and conditions configured in the Lending Core?
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What types of loans can be managed with the Lending Core?
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What types of payment processors can be integrated with MO’s Credit Card Core?
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Does the Credit Card Core support integration with other financial platforms?
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What security features does the Credit Card Core offer to protect against fraud?
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How are loan terms and conditions configured in the Lending Core?
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What types of loans can be managed with the Lending Core?
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Come and visit our offices in Bogotá.
Discover how we can help you transform your credit operation.
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