Loans origination and processing in US retail banking

发布时间：2004.5

价格：1668美金

页数：58

内容介绍

Introduction

This report examines the key recent developments in US retail banking loans origination and servicing. Looking specifically at consumer loans and mortgages, the report looks at key drivers for renewed investment in this space as well as key success factors for vendors. It provides the latest forecasts for spending on loans origination and servicing solutions.

Scope

The report looks at both origination and servicing technology for consumer loans and mortgages in the US market.

The report discusses a range of different technology implications, incl. for branch renewal, process transformation and document imaging.

Highlights

Increased competitive pressures, tightening margins and the decline of traditional growth engines have combined to increased the focus of banks on transforming core loans processes. This is translating into a key opportunity for vendors in the loans origination and servicing space, with spending expected to top $3.6bn by 2006.We believe that banks are moving away from point solutions for particular elements of their loans processes. Instead, they are looking to achieve an end-to-end loans architecture.

Reasons to Purchase

The report provides in-depth research into key business and technology drivers for loans technology spending and vendor competitive positioning.

The report provides the latest spending forecasts for loans technology, split down between servicing and origination and by source.

目录及图表

TABLE OF CONTENTS

CHAPTER 1 EXECUTIVE SUMMARY 3

Introduction 3

Market context 3

The technology challenge 4

The future decoded 6

Key take-outs 7

CHAPTER 2 INTRODUCTION 14

What is this report about? 14

How to use this report 14

CHAPTER 3 MARKET CONTEXT 15

Background – industry structure and recent developments 15

Mortgage banking in the US context 16

What future for variable rate mortgages? 19

The loans process 20

CHAPTER 4 BUSINESS CONTEXT 22

Introduction 22

Key findings 22

Business drivers for loans origination and process investments 23

The technology challenge 27

The next-generation loans process – a target end-to-end framework 29

Areas of investments – a phased approach to loans process efficiency 32

Origination systems consolidation, followed by standardization, will lead the way 32

A scalable servicing platform is key to maximizing operational efficiency 34

Oppprtunities for outsourcing in loans 35

CHAPTER 5 MARKET OPPORTUNITY 38

Key findings 38

Reflecting its growing importance, spending on loans technology is set to grow at a CAGR of 3.6% between 2003 and 2006 39

Origination spending will see the strongest growth to 2006, driven by external spending 41

Services will provide the main driver for further servicing investments, reflecting banks’ efforts to streamline processes 43

CHAPTER 6 VENDOR DYNAMICS 45

Key findings 45

The loans offering value chain 45

Vendor success factors 46

Vendor offerings 48

The ISV market remains highly fragmented, but is likely to consolidate 49

Services providers must combine technology and domain expertise 52

Key take-outs 56

CHAPTER 7 APPENDIX 57

Future readings 57

SPP writing team 58