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.

Fraud Case Studies: Financial Firms Fight Back

Aite Group research found that fraud leaders in financial institutions cite disparate systems and ineffective solutions as barriers to fighting fraud. Without holistic data analysis and intelligence across channels, fraud can slip through the cracks. These four case studies demonstrate how DataVisor’s comprehensive fraud and risk management platform helps financial organizations detect 45% more to cut fraud losses — without adding friction to the customer experience.

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Current Landscape of Paper Versus Digital

As the world embraces a digital future, many banks and financial institutions still utilize physical paper for completing transactions and internal processes. In this survey of senior IT decision makers from financial institutions, banks have almost unanimously stated that paper processes have had a negative impact on their business over the last few years, including notable losses in annual revenue. This report was conducted in Q1 of 2021 to study the overall impact of paper processes, the real and perceived benefits of using digital documents, and examines the top barriers to change.

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Trust is a Must for Fintechs

A Financial Times report highlights fintech trust gaps so significant that they may compromise the sector’s ability to ride the digital wave. Fintech stakeholders must grapple with a response: How can the industry reassure wary consumers, vigilant regulators, and discerning enterprise customers? Further, fintechs that operate in legacy financial institutions’ shadows must navigate these concerns while fending off well-established incumbents. The way past both issues is by generating trust.

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Busting the ROI of Fintech Fraud

The digital banking and fintech revolution has introduced new opportunities and financial products, both for consumers and fraudsters. In the face of a complex cybercrime ecosystem, fraud departments are fighting to curb fraudsters’ growing budgets and complex attacks. Stopping fraud and abuse while maintaining a seamless experience for customers is a difficult balancing act that must be maintained. In this eBook, Busting the ROI of Fintech Fraud, you’ll learn how Arkose Labs helps top financial institutions deter fraud and increase account security.

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Demystifying Banking-as-a-Service

This white paper will demystify the Banking-as-a-Service industry, diving into the various benefits it offers three key sectors within the digital economy and defining the ways in which BaaS enables innovation for all.

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From Competition to Cooperation: Keys to Successful Bank/Fintech Partnerships in a Digital World

The insights in this report are based on interviews with leading bank and fintech executives as well as markettrends research. The paper is intended for financial institutions considering how to fast-track innovation via partnership; financial technology companies seeking to extend their reach via bank partnership; and others interested in optimizing existing partnerships.

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Landing a Successful Bank-FinTech Partnership in the US

In this insights report, leaders from LendIt Fintech and DIT present findings from a series of intimate, intensive workshops between regional bank senior executives and FinTech leaders.We chose this intersection for its unique opportunity and growth potential. Moreover, DIT specialists across North America can help banks of all sizes seize UK FinTech opportunities with expert insights, key connections, and bespoke support.

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The Inner Workings of Leading FinTech Companies: Complete Customer Journey with SMS

Messente, a leader among global messaging solutions, commissioned an in-house team of experts to conduct thorough research into exactly how SMS is being used in the FinTech industry. This involved interviewing Messente’s existing FinTech customers, analysing SMS performance statistics and unpicking 20 years’ worth of internal knowledge and experience; the results of which are detailed in this comprehensive report.

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Salt Edge Report: Open Banking Ecosystem in Testing Mode

Advancing on its path to provide a pan-European open banking platform, Salt Edge gained insightful experience along the way. Knowing inside out the specificities of all the open banking API standards and the strict RTS requirements, the company created a report on testing PSD2 account information and payment initiation APIs to share it for the benefit of the open banking community.

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Making the Consumer Lending Market Work for Everyone

Consumers who are both financially and digitally savvy can only be won with the right value, delivered seamlessly. They are well versed in comparing across multiple lenders and platforms, they access the best value products and need only be loyal if their existing providers continue to offer great value. In the long term the proportion of the market that this segment represents, can only grow.

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The How To Put AI In Your 2021 FI Business Plan

The How To Put AI In Your 2021 Business Plan Playbook, a PYMNTS and Brighterion collaboration, provides a blueprint of how financial institutions (FIs) can incorporate artificial intelligence (AI) into their consumer credit strategies. This playbook examines six key ways in which FIs can apply AI to help manage their credit portfolios, how AI can improve their operational efficiency and the steps they can take to ensure they are maximizing the return on investment from AI innovations.

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The Path to a Fairer Credit Economy

Though 2020 was a grueling year, there were one or two bright spots the financial services industry can reflect on as it faces the recovery ahead. One is the opportunity we all had to learn from the pandemic’s massive shift to digital. The second is in the progress made in using new technologies to solve problems of financial fairness and inclusion that have plagued our society for generations.

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Preparing for Change: An In-Depth Guide to STIR/SHAKEN

With the FCC’s June 30, 2021 deadline approaching faster than we all think, STIR/SHAKEN and call blocking should be top of mind for operators of outbound call centers. To help, we’ve put together this guide to break down what STIR/SHAKEN is, how the new rules impact you, and what you can do to stay focused on compliance and achieve success in spite of these new changes.

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How to lend with confidence beyond 2020

The pandemic has transformed business lending on both sides of the Atlantic. For lenders - managing their new, vast portfolios efficiently as well as minimising defaults and fraud will be a significant challenge moving forward. Based on Codat’s in-depth knowledge and partnerships in the industry, they have compiled a report outlining seven key areas lenders must address when planning for the new lending landscape.

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Using AI to manage credit risk

LendIt and Brighterion collaborated on a survey of financial institutions and lenders to understand how they are investing in technology. Specifically, we wanted to understand how organizations are thinking about applying artificial intelligence (AI) to credit risk in light of the economic shakeup, and where they see the biggest opportunity for better credit risk management.

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How virtual roadshows can accelerate investor outreach and drive ROI

Our new eBook, How virtual roadshows can accelerate investor outreach and drive ROI, takes a detailed look at this virtual vehicle and provides practical advice for getting on board. We offer criteria for planning avirtual roadshow, selecting the right platform, designing the presentation for optimal impact and determining if you’ll meet investor expectations.

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Unlock The Value of Open Banking

Open banking is a highly versatile opportunity. The use of application programming interfaces (APIs) that allow third parties to access bank account information varies significantly both across countries and industries – and within them. We surveyed over 1,000 business leaders in the banking, retail, lending, investment platform, and personal finance management (PFM) software sectors across the UK and the Netherlands for their attitudes toward, and relationship with, open banking services.

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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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Nearshore Finance Know-How

It's a reality that Finance Companies might face uncertainty while outsourcing. Nearshore allows the reduction of this risk for its proximity and cultural alignment. Still, it is the decision-makers' responsibility to find the right partner for their business, focusing on minimizing the risk and maximizing the benefits.

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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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