The need for flexible technology has become apparent to many institutions as the demands of the lending market have evolved so quickly of late. In particular, where lenders have sought to expand into new markets, such as buy-to-let, to take advantage of the opportunities, so the restrictions of their existing platforms have often been exposed.
\nAcross much of Europe, the same business drivers are playing out. There is a lot of available equity and a search for investments beyond the relatively low margins in the residential housing market. At the same time, there is a significant housing shortage in many countries. There are a lot of projects to convert old buildings, including turning offices into residential apartments, increasingly eased by a relaxation in legislation. There is also considerable interest and investment around sustainability, for existing properties and new-builds, including insulation, solar panels and heating systems.
\nThese sorts of projects are often more complex and diverse. For buy-to-let, there might be projects spanning a single family house or a small number of apartments, to 60+ apartment developments. There are specific regulations that need to be met and these might vary on a regional or city level, as well as the need for reporting to central regulators and for internal risk management. There might also be an imperative for fast decision making for customers driven by commercial considerations and seeking a rapid response to their applications.
\nThis is bringing new and existing lenders to Ohpen’s door. Existing players in the owner-occupier space might want to move into buy-to-let, under their own brand or a new one. Those companies that service the assets for others similarly might want to broaden their services, based on demand from their customer bases.
\nCurrent systems typically cannot cope with the new requirements. Typically, due to the desire for a rapid time-to-market for new offerings, institutions are initially implementing Ohpen’s platform alongside their legacy systems. Then, over time, they might well decide to migrate their existing portfolios across, whether for residential mortgages, consumer loans, small business loans or commercial loans, to reduce costs and standardise on a single platform.
\nFor reporting, there are two options. One is the data view, with the ability to import the data into a warehouse for manipulation and reporting. Alternatively, or complementary to this, are reporting tools, files and dashboards.
\nThe pandemic has accelerated the trends and has also sometimes brought additional requirements, such as greater flexibility around arrears management and redemption terms.
\nStraight-through processing and other considerations
\nThere is an interesting decision to be made by the customer in an area such as buy-to-let around straight-through processing. If all of the documents are in place, then there is no technical reason to stop decisions being made in minutes. It becomes a business decision related to where the customer wants to apply checks along the way.
\nThat decision is likely to be influenced by the nature of the application. For instance, for small residential mortgages, where customers are likely to be shopping between different labels and where assessments are often relatively easy, there might be an emphasis on full automation. For buy-to-let, the focus might be on providing an initial proposal as quickly as possible, with more checks after this.
\nOne area related to straight-through processing is the need nowadays for a user-friendly solution where there is a break in the process, perhaps because a document or piece of information is missing. It can be extremely frustrating for the customer to have to go all the way back to the start of the application and repeat steps. This necessitates the ability to loop back to a previous step where the break occurred and pick up again from there.
\nMore generally, whatever the form of loan, there is real competitive edge in providing a slick, user-friendly digital experience. Digital newcomers are challenging incumbents and taking market share. Those institutions that can adapt will remain competitive but others risk being disintermediated.
\nOhpen’s platform covers a broad range of lending, including residential and commercial buy-to-let. Support includes:
\n\n
Come and talk to us!
\nOhpen would be delighted to talk to you about your requirements and to explain how we can help you to move forwards, how we are supporting some of Europe’s most sophisticated lenders, and to arrange a demo of our platform.
\nWritten by Martin Whybrow, Next Gen Core Banking Solutions
","desktop_body":"The need for flexible technology has become apparent to many institutions as the demands of the lending market have evolved so quickly of late. In particular, where lenders have sought to expand into new markets, such as buy-to-let, to take advantage of the opportunities, so the restrictions of their existing platforms have often been exposed.
\nAcross much of Europe, the same business drivers are playing out. There is a lot of available equity and a search for investments beyond the relatively low margins in the residential housing market. At the same time, there is a significant housing shortage in many countries. There are a lot of projects to convert old buildings, including turning offices into residential apartments, increasingly eased by a relaxation in legislation. There is also considerable interest and investment around sustainability, for existing properties and new-builds, including insulation, solar panels and heating systems.
\nThese sorts of projects are often more complex and diverse. For buy-to-let, there might be projects spanning a single family house or a small number of apartments, to 60+ apartment developments. There are specific regulations that need to be met and these might vary on a regional or city level, as well as the need for reporting to central regulators and for internal risk management. There might also be an imperative for fast decision making for customers driven by commercial considerations and seeking a rapid response to their applications.
\nThis is bringing new and existing lenders to Ohpen’s door. Existing players in the owner-occupier space might want to move into buy-to-let, under their own brand or a new one. Those companies that service the assets for others similarly might want to broaden their services, based on demand from their customer bases.
\nCurrent systems typically cannot cope with the new requirements. Typically, due to the desire for a rapid time-to-market for new offerings, institutions are initially implementing Ohpen’s platform alongside their legacy systems. Then, over time, they might well decide to migrate their existing portfolios across, whether for residential mortgages, consumer loans, small business loans or commercial loans, to reduce costs and standardise on a single platform.
\nFor reporting, there are two options. One is the data view, with the ability to import the data into a warehouse for manipulation and reporting. Alternatively, or complementary to this, are reporting tools, files and dashboards.
\nThe pandemic has accelerated the trends and has also sometimes brought additional requirements, such as greater flexibility around arrears management and redemption terms.
\nStraight-through processing and other considerations
\nThere is an interesting decision to be made by the customer in an area such as buy-to-let around straight-through processing. If all of the documents are in place, then there is no technical reason to stop decisions being made in minutes. It becomes a business decision related to where the customer wants to apply checks along the way.
\nThat decision is likely to be influenced by the nature of the application. For instance, for small residential mortgages, where customers are likely to be shopping between different labels and where assessments are often relatively easy, there might be an emphasis on full automation. For buy-to-let, the focus might be on providing an initial proposal as quickly as possible, with more checks after this.
\nOne area related to straight-through processing is the need nowadays for a user-friendly solution where there is a break in the process, perhaps because a document or piece of information is missing. It can be extremely frustrating for the customer to have to go all the way back to the start of the application and repeat steps. This necessitates the ability to loop back to a previous step where the break occurred and pick up again from there.
\nMore generally, whatever the form of loan, there is real competitive edge in providing a slick, user-friendly digital experience. Digital newcomers are challenging incumbents and taking market share. Those institutions that can adapt will remain competitive but others risk being disintermediated.
\nOhpen’s platform covers a broad range of lending, including residential and commercial buy-to-let. Support includes:
\n\n
Come and talk to us!
\nOhpen would be delighted to talk to you about your requirements and to explain how we can help you to move forwards, how we are supporting some of Europe’s most sophisticated lenders, and to arrange a demo of our platform.
\nWritten by Martin Whybrow, Next Gen Core Banking Solutions
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