Since its establishment in 1999 by veterans in financial software, Credics has been in the forefront of the industry, creating and implementing payment processing solutions for financial, retail, and other organizations. The custom-built Credics solutions facilitate marketing of financial products, full use of data intelligence and management of financial transaction systems, all tailored to the precise needs of each business regardless of size or scope. Credics Technologies can provide a full end-to-end card management platform or modular components that address the emerging transaction processing needs of the client while fitting in with the existing infrastructure and legacy systems. The unique GL accounting-based design of the Credo platform is built at its core, according to the Payment Services Hub and Convergence frameworks touted by industry experts such as Gartner and Tower Group – allowing the system to grow and expand across departments within an organization. Coordinated by a single core engine, the new Credics modules and existing systems become one fully integrated transaction processing platform that can handle full card issuing (Credit, Debit, Prepaid, and Charge Cards), merchant acquiring, authorization, data encryption, fraud prevention, EMV management, and a plethora other functions.