Research & Advisory
San Francisco, United States


With a multi-disciplinary background in economics, finance, technology and marketing, Craig leverages his banking industry experience to advise and consult on business-led technology strategy and investment for financial institutions, technology providers and technology investment firms.

Craig's coverage areas include digital lending strategy, market sizing and technology selection across the credit lifecycle for all consumer credit products. Complementary coverage areas include analytics, digital content management and core system transformation. His advisory engagements have included core lending and banking system vendor selection for financial institutions, market feasibility and go-to market assessments for technology vendors, and technology provider acquisition due diligence for FinTech investors.

Craig is a frequent speaker and moderator at industry conferences, including BAI, Mortgage Bankers Association annual and technology conferences, and AFSA. He has also written dozens of bylined articles for Mortgage Banking Magazine, Lending Strategy (UK) and American Banker.

Craig began his career in economics and finance and marketing in the mortgage industry for lenders and IT vendors, including The Federal Home Loan Bank, The PMI Group, Wells Fargo, and CoreLogic. Craig then spent 16 years as a banking industry analyst at TowerGroup and CEB prior to joining Celent.

Craig received an M.A. in applied economics from the University of San Francisco and graduated with high honors from the State University of New York at Oneonta with a B.S. in business economics. Craig also attended Schiller University in Heidelberg, where he studied international trade. Craig holds the Certified Mortgage Banker (CMB) designation from the Mortgage Bankers Association.

Latest insights

  • 18 August 2020
    Public cloud adoption has been growing steadily in many industries. Financial institution (FI) cloud adoption has been slower, though, because t…
  • 18 August 2020
    The mortgage lending industry is in turmoil for the second time in only a decade as the coronavirus has increased loan delinquencies and affecte…
  • 14 July 2020
    While the COVID-19 pandemic is first and foremost a human tragedy, it is also causing a significant economic disruption. Not surprisingly, it is…
  • 6 July 2020
    Craig Focardi and Stephen Greer sit down to discuss some of the potential opportunities for community banks coming out of the COVID-19 pandemic.…
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