The landscape of private banking is evolving rapidly, yet many banks continue to grapple with manual processes in Lombard lending. Despite leveraging core credit engines, gaps persist in prospecting, onboarding, excess management, margin calls, and more. At Synpulse, we believe that optimising the lending experience and meeting the expectations of modern clients is no longer optional—it’s imperative.
Key themes for the future of lending
- Meeting Client Expectations: Clients demand digitised credit services—from online loan simulations and digital applications to seamless portfolio stress testing. Banks that lag behind risk becoming obsolete. Digitising credit prospecting and onboarding, activating stress testing, and automating margin call notifications are critical steps towards a client-centric lending experience.
- The Automation Revolution: Achieving a superior client experience demands extensive automation of credit processes. While core banking systems provide foundational support, many banks must close the gaps in LTV simulations, onboarding, reviews, and margin call management. Exploring dedicated third-party solutions may offer the flexibility needed to bridge these gaps effectively.
- Lending as a Service: Once their platforms are modernised, banks have a lucrative opportunity to offer lending as a service to other institutions. This includes providing technology solutions or balance sheet facilities, targeting new markets and players like robo-advisors, insurers, and intermediaries.
Looking ahead
Investment in lending automation is becoming a strategic necessity. As interest in lending as a service grows, first movers stand to gain significantly by acting fast and building scalable, efficient offerings.
On January 16, we hosted our launch event in Zurich, where the Insight Report was officially unveiled. The event was a resounding success, and the report is now available for everyone to download.
