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October 2017

Lenders are embracing technology as a way to transform their approach to commercial lending, allowing them to offer a better customer experience by focusing on accessibility, speed, and transparency. A primary area of focus has been the eco-system supporting commercial credit origination, now seen by many as a key source of future growth. The decisions banks are facing is whether to buy this technology or build it in-house. Listen in as Moody's Analytics Senior Director, David Ratnage addresses some of the key areas of this debate.

Lenders are embracing technology as a way to transform their approach to commercial lending, allowing them to offer a better customer experience by focusing on accessibility, speed, and transparency. A primary area of focus has been the eco-system supporting commercial credit origination, now seen by many as a key source of future growth, including:

  • Reduced time-to-decision on loan approvals
  • Improved risk management processes
  • Enhanced data integrity
  • Reduced concentration risk with optimized performance assessment
  • Ability to be more proactive vs. reactive through better reporting and analysis
  • In this webinar, David Ratnage, Senior Director, Credit Assessment & Origination at Moody's Analytics addresses some of the key areas of debate when banks consider the buy versus build approach when investing in commercial lending platforms.

    Related Insights

    Build or Buy: Transforming Commercial Credit Origination

    Technology is rapidly changing the way we do business. In the financial services sector, arguably the largest industry in the world, this has never been more true. From mobile accessibility to cloud computing, technology is driving a new wave of change fueled by a dynamic fintech industry comprising hundreds of companies – many of which did not exist ten or even five years ago. Unconstrained by legacy architecture, alternative and challenger lenders embracing these technologies offer a new customer experience in terms of accessibility, speed, and transparency.

    April 2017 Pdf David Ratnage