Apunix decided there was a better way: allow customers in big ticket retail stores (jewelry, furniture, appliance, home improvement) to pre-qualify their credit, prior to shopping, using the privacy of a self-service kiosk-based application. The advantages include: It correctly sets the customer expectations prior to the purchase experience Maintains customer privacy Doesn't waste the valuable time of sales staff on non-revenue-generating activities Real world experience has shown an increase in value of average sales transactions of 32% for all in-store sales. With the success of furniture store applications established, the introduction of this capability to other retail lines is already underway.