White Papers

LendIt Fintech’s white papers provide deep analysis on the topics impacting banking and lending. They serve two important purposes, helping our community stay informed and helping our sponsors build brand awareness and generate business leads.

Contact sales@lendit.com to learn more about sponsoring a white paper.

First-party data: delivering the most holistic view of your customer available

Used everyday across the lending cycle of major financial institutions and banks to inform credit decisioning, first-party data is shifting the balance of credit scoring for everyone, forever. This guide explains what it is, why it matters and just how fast your business, and your customers, can start to benefit.

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Lending 3.0: A Guide to Building a Better World for Lenders and Borrowers

In this white paper, we look at how real-time data throughout the entire loan process is driving the rapid evolution of lending propositions; the new tools and approaches that deliver additional revenue streams and higher levels of personalisation; and we delve into the minds of 10 industry experts, who give their perspectives on the unique challenges and opportunities that lie ahead for modern lenders.

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A Banking and Lending Guide to Crisis Recovery: How to build resilience and accelerate growth by responding quickly to volatility

Banks and lenders have had to quickly adapt to changing regulations, work environments, and market conditions during the COVID-19 pandemic. In this whitepaper, learn how to build resilience, adapt to new regulations, and accelerate your bank's growth in changing times.

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Growth, Risk, and Operational Efficiency White Paper

Growth, Risk, and Operational Efficiency in a Growing and Uncertain Digital World

This paper will explore the process of incorporating and expanding the use of alternative data to promote growth, minimize risk, and improve operational efficiency as banks and lenders recover during and after the COVID-19 pandemic.

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Navigating Change: A Guide for Banks and Lenders

Navigating Change: A Guide for Banks and Lenders

Financial services leaders are facing challenges on multiple fronts as they seek to help families and businesses financially, and to educate remote employees on new regulations. At the same time, banks are focused on long-term credit implications of their actions and expectations of long-term growth. Hear how industry experts and leading banks are navigating the turbulence and focusing on long-term growth by keeping their vision and core values at the center.

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Selecting a Financial Data Integration Platform

Financial data aggregation platforms have become an essential building block for the creation of innovative financial services. This paper, sponsored by Fiserv, leverages expert interviews to highlight the most important criteria a fintech or bank should apply when adopting a financial data integration platform.

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Point-of-Sale Financing: Poised as a Leading High-Growth Offering from Banks and Fintechs

Online and e-commerce merchants are reporting a 25% or greater lift in purchase transaction size when the consumer is able to pay in installments. It's no wonder then that fintech lending and banking startups, as well as retail banks around the world, aggressively are incorporating Point-of-Sale (POS) financing into their merchant offerings. Learn why POS financing is upending the traditional consumer purchase financial cycle and fintech at large; how each company operating in or entering the sector can build a strategy tailored to its resources; and what are trending innovations.

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Latin America: Global Investors' New Fintech Frontier

Latin America is home to over 1,100 fintech startups. This year, the market reached an inflection point, with investors based outside the continent injecting hundreds of millions of dollars in equity and debt and creating unicorns. This paper shares the perspective of global VC and PE firms and bank innovation funds who are evaluating market conditions, guiding startup strategies, picking winners, and forging partnerships. The research will be of significant interest to investors considering entry into the region; fintechs seeking global capital; and others following global fintech trends. Includes listings of top funds and deals. Co-authored with Finnovista.

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A More Intelligent Approach to Debt Collections

A growing number of banks and lending innovators are discovering that machine learning, applied to debt collections, can dramatically grow recovery, reduce costs and improve customer retention. This paper explores the drivers to improve collections performance, leading-edge solutions, machine learning implementation best practices, and ROI potential. Findings are based on interviews with innovative lending institutions and solution providers.

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Digital Banking: Current Outlook & Trends in Brazil

Digital banking is one of the hottest trends in fintech and it’s been having a transformative impact in markets all around the world. This report co-authored with Fisher Venture Builder presents an overview of digital banking worldwide and the factors driving its rise in Latin America before taking a closer look at Brazil's market.

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Financial Services, Fraud and the Future of Digital Onboarding

Identity theft is the fastest growing crime in the US. Globally, 1 in 60 online transactions are fraudulent. And if you don’t know who your customers are, you can’t onboard them to your platform. Though businesses are moving online, their identity verification and KYC processes haven’t. Instead, the old processes are being shoehorned into the digital age. So how can you update your onboarding for the digital age? Sponsored by Onfido.

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A Roadmap for Fintech Firms Entering Fast-Growing Emerging Markets

Fintech firms are finding growth opportunities establishing a presence in emerging markets. This paper provides case studies and market analysis from the Middle East and Africa as examples of fast-growing economies open to best-in-class solutions. Sponsored by the Dubai International Financial Centre.

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Funds Investing via Marketplace Lending Platforms

Alternative Credit Funds have enhanced the liquidity and sophistication of investments in Marketplace Lending Platforms. Read profiles and insights from 25 funds leveraging MPL for institutional and accredited investors.

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Lending as a Service - How lenders are modernizing operations via the cloud

Banks and non-bank lenders are bringing Marketplace Lending best practices under their own roofs by adopting LaaS. We profile 16 solution providers and highlight market trends and implementation considerations.

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9 Growing Pains of Fintech Companies and How to Overcome Them

In the race to scale up, FinTechs face challenges including improving product profitability, recruiting and retaining talent, managing risk, and complying with regulations. This paper recommends how to ensure a Fintech is equipped to attract investment and scale up rapidly. By Oracle & LendIt Fintech.

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SMB Banking - The Next Wave of Innovation in Small-to-Midsized Business Banking

The landscape for small-to-medium-sized business banking is shifting, as providers pursue strategies for hi-tech and hi-touch customer interactions. This paper uses executive interviews and analysis of analysis of bank and fintech initiatives to explain trends in SMB banking.

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The State of Open Banking - Why today's early implementations are leading to a financial revolution

Open Banking is changing the competitive landscape, as technology standards enable fintech companies to offer financial services that compete with banks. This white paper addresses the drivers of Open Banking, leading players and their partners, regulations, and more.

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China's Financial Openness - Why the time is right for financial institutions to expand into China

The financial liberalization process has picked up momentum in China. This paper examines proposed liberalization measures, what they mean for foreign financial institutions, and why collaboration is the key to thriving in China.

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