Open Banking & Mortgages: The Next Revolution in Lending

Mortgages are a key area of competition for UK banks and building societies, but they’re becoming less and less profitable. Open banking-powered technology could hold the answer.

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Open Banking & Mortgages: The Next Revolution in Lending

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The current health crisis is compounded by a lasting economic slowdown that is already apparent.

People have become used to on-demand, intuitive and frictionless digital services, and they expect the same from their bank.

Despite government guarantees for loans allocated to manage the health crisis, banks may be forced to use their own equity in the future.

In recent years, the commercial lending market has undergone a noticeable shift. Some smaller banks are at risk of being left behind.

While many SMEs are watching their revenue collapse once again, banking system players have to anticipate the process of reimbursements

While state-led initiatives were welcomed by those who benefited from them, they do come with a certain amount of risk

State-backed loans_ preparing banks for the next phase

The end of LIBOR: Transitioning loan servicing systems to the new benchmark rates.