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Leading research and advisory firm Celent highlights the many benefits of TCS’ loan origination offering.
TCS Digital Home Lending Solution is an enterprise loan origination system (LOS) that can process all types of loans—from the most complex mortgage loans to the simplest credit card loans. It also addresses business challenges in loan processing that many lenders face because of the need to maintain different loan origination systems for different types of loans.
TCS’ loan origination platform offers multiple loan types for consumer, mortgage, and some areas of small business and commercial lending. The brief talks about the platform’s capability to provide a migration path for financial institutions to progressively configure and add different loan types to the platform according to each institution’s migration preferences.
TCS Digital Home Lending Solution has been successfully deployed for residential mortgage lending; the longer-term plan is to commercialize it for consumer and commercial lending. It enables financial institutions to reimagine their global lending businesses with a composable, cloud-based platform that offers the flexibility to be configured for loan products, compliance, and legal requirements across countries.
Celent’s report also lists a few success stories. The TCS Digital Home Lending Solution and its functional frameworks are deployed for lenders in India, the UK, and the US.
Celent has also identified certain benefits from these deployments, like lower costs for loan origination, easier process for compliance, and system maintenance. In addition, by eliminating errors, it also lowers quality control costs and loan buybacks required by investors if they find errors in the loans they avail.
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