Collaborative application decisioning is a card product feature that empowers you to recommend application approvals based on your credit policy. Collaborative application decisioning is available for charge, credit, and fleet card products. This guide overviews collaborative application decisioning and steps for enabling and using the feature. 

Overview

Collaborative application decisioning works as follows by sending decision requests to your system and ingesting your recommendation. The following steps outline the collaborative application decisioning process: 

1. An account holder applies for your card product. 
2. Highnote conducts regulatory checks on the account holder's application before a decision request is sent to your system. These checks include Know Your Customer and Know Your Business (KYC-KYB) and identity and fraud checks.
3. Once these checks are complete, Highnote sends you a notification requesting an application decision.
4. You respond to the decision request with your recommendation, and Highnote uses your response to make a final decision based on your card policies. 

Enable collaborative application decisioning

In the test environment, you can enable collaborative application decisioning from the dashboard. Use the following steps to enable collaborative application decisioning for your card product: 

1. From the Highnote dashboard, click the name of your card product. If you only have one card product, skip to step 2. 
2. Click Product Settings and select the Settings tab.
3. In the features section of the settings tab, use the toggle to enable collaborative application decisioning.
4. In the pop-up window, click Enable.

Once collaborative application decisioning is enabled for your card product, you must contact support@highnote.com to turn it off.

Application decision requests

Collaborative application decisioning decision requests use notification targets with Highnote's events and notifications system. For more information on setting up and using decision requests, see our collaborative application decisioning developer guide.