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Consumer Loan Origination Solutions

Datos Matrix: The Leading U.S. Providers of Consumer Loan Origination Systems

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Stewart Watterson

September 11, 2026

Consumer loan origination technology is a decade behind, and it’s costing banks business: 60% of Gen Z borrowers wait over an hour to close a loan, and over half go elsewhere. Datos Insights’ CLOS Matrix rates eight leading vendors on compliance, AI, and speed, so you can choose with confidence.

About the Author

Stewart Watterson

Stewart Watterson is a Datos Fellow in the Retail Banking & Payments practice at Datos Insights. He brings a broad range of experience from 30 years of consumer banking with Chase, NationalCity, and PNC, serving as SVP, Mobile Wallet & Emerging Payments. His experience includes consumer lending product management across all asset classes, small business unsecured lending, digital banking, credit...

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About the Author

Stewart Watterson

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