In today’s fast-paced financial landscape, agility is everything. Financial institutions must adapt quickly to evolving market conditions and rising customer expectations. The Product Configuration Module (PCM) from Amount empowers banks and credit unions with a no-code interface that makes it easy to configure, launch, and manage lending and account opening products.
By removing the dependency on engineering teams for product changes, PCM enables institutions to stay competitive and innovative. Once users understand the available tools and options, configuration can often be completed in just a day. As we say: configure in days, launch in weeks — and it’s not just a tagline. It's the real-world speed our clients are achieving today.
PCM centralizes the product management experience, giving financial institutions the ability to create, configure, and manage products in one intuitive interface. This unified approach eliminates the need for multiple systems, reduces manual work, and ensures consistency across the entire product lifecycle — from eligibility through onboarding and beyond.
By streamlining the process and offering clear visibility at every step, PCM helps teams work more efficiently and reduce time to market.
Customization isn’t just a feature of PCM — it’s a foundational capability. The module gives financial institutions full control over how they design and deliver products.
Users can define custom eligibility rules, application questions, and consent language to reflect institutional policies, regulatory requirements, and customer needs. PCM supports both standard and custom data sources to power configurations with precision.
Risk-based pricing strategies are also fully configurable. Institutions can define custom pricing tiers, assign loan or line amount caps by tier, and align offers to credit policy — all without writing a single line of code.
PCM also enables configuration of KYC and identity verification workflows, allowing institutions to implement fraud and risk mitigation tactics that reflect their internal tolerance and compliance requirements.
This level of flexibility helps institutions move beyond one-size-fits-all offerings and deliver experiences that are tailored, compliant, and optimized for performance.
Compliance is paramount in the highly regulated financial industry, and PCM is designed to make it easier. Institutions can configure eligibility rules, credit underwriting, fraud screening, and regulatory checks — including OFAC screening — all within a unified system.
Custom consents and disclosures are fully configurable, ensuring alignment with internal policies and jurisdiction-specific requirements.
PCM also includes an integration with ValidiFI for automated bank account verification. This helps reduce fraud risk and manual intervention, creating a faster, safer experience for both institutions and their customers.
User experience is a top priority — and PCM helps ensure every product delivers. Built-in testing capabilities allow teams to simulate real user scenarios using test profiles to validate configurations in a secure sandbox before going live.
Crucially, clients manage promotion to both sandbox and production environments independently from Amount. This autonomy accelerates iteration cycles, reduces bottlenecks, and increases confidence in every release.
The ability to test, preview, and deploy on your own terms minimizes the risk of errors and maximizes product performance and customer satisfaction.
Efficiency is critical — and PCM is built to deliver it. Real-time dashboards and automated workflows offer transparency and oversight across the product lifecycle.
Role-based access controls and a streamlined publishing experience ensure the right people see the right information at the right time — reducing risk and enhancing decision-making.
With these insights and controls, financial institutions can continuously optimize their offerings and respond to changes with confidence and speed.
PCM from Amount gives financial institutions unprecedented control to configure and adapt products — faster, safer, and smarter.
With a no-code interface, built-in testing, end-to-end customization, and real-time visibility, PCM enables banks and credit unions to launch faster, stay compliant, and exceed customer expectations. It’s not just a tool — it’s a smarter way to build and scale financial products.