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The service contract origination process has become a key battleground in the fight for new customers. Consumers and small business owners are empowered to research and purchase financial products and services in a way they never have before and easily switch providers. Financial service institutions are intently focused on reinventing the origination experience—to be faster, more convenient and personalized—in order to attract and retain profitable customers while rigorously mitigating risk, lowering costs and maintaining compliance in a rapidly evolving regulatory environment. And today, telecom carriers face closely analogous choices, especially as the terms for origination of contracts have shifted to a focus on device financing and device subsidy model, as opposed to simple airtime and data charges.