FIs relying on outdated lending technology face competitive disadvantages: higher operational costs, greater credit risk exposure, and diminished customer satisfaction. Corporate borrowers now exhibit a greater willingness to switch lenders, and lending profits remain tight due to credit commoditization. Failure to modernize lending technology reduces profitability, erodes market share, and compromises institutional reputations in an industry where technology-driven innovation has become a critical differentiator.
This report examines how financial institutions (FIs) can transform their corporate credit and lending operations through comprehensive life-cycle management and operational automation. It is based on a Q3 2025 Datos Insights survey of 1,036 midsize and large businesses in North America, Europe (France, Germany, Italy, Spain, the U.K.), and the Asia-Pacific region (Australia, India, Japan, Singapore).
Clients of Datos Insights’ Commercial Banking & Payments service can download this report.
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