How To Build a Next Generation Mortgage Platform To Compete in a Post-Fintech World

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4 March 2020

Transformation Data and Document Management Across Home Finance With AI and RPA

Key research questions

  • What are the root causes holding back further digital transformation in home loan origination?
  • How can these mortgage technology transformation be addressed from a strategy perspective and fixed from a technology and operations perspective?
  • What solutions do lenders need, what does the future state mortgage technology platform look like, and what actions should lenders take to create this platfor


The home lending industry is in the early stages of digital disruption that retail deposit, credit card, and personal lending sectors have already experienced. New Big Tech and fintech market entrants are now putting significant pressure on the old home equity, purchase mortgage, and refinance mortgage business models that continue to be inefficient.

Traditional lenders can survive the transformation underway if they see how the business model is changing, abandon old strategies and ways of doing business, and build a modern mortgage technology platform on which to defend and grow their business.

This new mortgage origination platform of the future will open up lending operations, improve the customer experience while lowering processing timelines and costs, and enable consolidation of redundant systems.