Retail loan origination requires the interplay of many internal and external systems to originate, underwrite, and close a loan. These processes…
![Craig Focardi](/system/analysts/logos/786/341/253/default/366683361.png?1617195598)
Craig Focardi, CMB
Insights
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15 July 2024
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6 June 2024
I recently had the opportunity to attend FIS Emerald in Orlando, FL from May 26-29, 2024. Lasting over three fast-paced days, this conference is…
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30 May 2024
Yes, I DO think there is a strong connection between banking technology and sports car racing, so buckle your seat belts. Last week I had the op…
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8 May 2024
Consumer credit scoring has existed for decades. It evolved from being a custom analytic product used within financial institutions to being a g…
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29 April 2024
Consumer data privacy laws, regulations, and protections have existed for decades but are being modernized across the globe in response to digit…
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22 April 2024
Loan origination system (LOS) technology has changed more in the last five years than it had in the previous 20. Market dynamics are shifting as…
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21 March 2024
The imperative for financial institutions (FIs) to continuously add new technology capabilities drives them to evaluate existing systems to mode…
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12 February 2024
The UK residential mortgage lending market is large and attractive to financial institutions based on the large transaction sizes and revenue pe…
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13 December 2023
The migration of on premise banking applications to private and public cloud deployment has been underway for over a past decade.Early migration…
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14 November 2023
The economic shocks of 2023 appear to have calmed, but financial conditions remain far from easy for retail banks and their clients. For banks,…
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8 November 2023
Among the many US federal policy changes, laws, and Federal Reserve actions initiated during the pandemic, loan forbearance has so far proven to…
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5 October 2023
Next week’s US Mortgage Bankers Association (MBA) Annual Convention in Philadelphia (https://www.mba.org/conferences-and-education/annual-conven…
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21 August 2023
The current banking crisis in 2023 has so far focused on large regional and national banks that have had liquidity issues leading to a bank run…
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3 June 2023
The current banking and business market cycle highlights the critical need for risk management platforms, data, analytics and models. Rising inf…
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16 May 2023
Celent recently hosted an in-person event, Navigating Turbulence, in New York City. I had the great opportunity to lead the cloud computing sess…