Report

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

Over 50% of consumers now originate personal and auto loans outside their primary institution, with online lender usage increasing 71% since 2022.
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The consumer loan origination system (CLOS) market is undergoing a fundamental transformation after a decade of limited innovation. Financial institutions (FIs) face mounting competitive pressure as consumer preferences shift decisively toward digital lenders, creating urgent modernization imperatives. Traditional institutions must modernize lending technology to retain customers and compete effectively.

This report evaluates the overall competitive position of eight vendors, focusing on vendor stability, client strength, product features, and client services. This report profiles Abrigo, Baker Hill, CSI, FIS, Fiserv, Inovatec, nCino, and Wipro.

Clients of Datos Insights’ Retail Banking & Payments service can download this report.

This report mentions: Capital on Tap, Experian, N26, Plaid, Prism, Yodlee, and YouLend.

About the Author

Stewart Watterson

Stewart Watterson

Stewart Watterson is a Strategic Advisor 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 focus includes consumer lending within all asset classes, small-and-midsize-business unsecured lending, digital banking, credit card, card and...

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