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The Future of Commercial Banking Technology
Over the last five years, commercial lending spreads have dropped significantly
as a result of increased bank and non-bank competition. Profits in this
business now must be improved through rigorous productivity improvements,
expanded non-spread income, and more sophisticated risk pricing and management
techniques.
This session provides an update on the technologies that banks are using
to reinvent their commercial banking businesses. These include:
Lending
- Officer calling software
- Cash flow/underwriting systems
- Credit scoring/credit information services
- Document imaging
- Loan administration
- Portfolio management and risk analytics
- Intranet/extranet
E-Commerce
- Internet cash management
- Bill payment/presentment
- Business-to-business
- Loan marketplaces
- Electronic signatures and certificates
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