상업용 대출 조성 시스템(CLOS) 툴 시장 점유율과 예측(2023-2028년) - 세계 규모(2개 보고서 번들)

This product includes two reports: Market Share and Market Forecast.

Market Share Description:

QKS Group Reveals that Commercial Loan Origination System (CLOS) Market is Projected to Register a CAGR of 8.70% by 2028.

The lending sector has undergone a significant transformation, leading to more cost-effective lending practices. However, the rapid acceleration of digital transformation is introducing new challenges for banks and financial institutions (FIs). Legacy systems, marked by inadequate processing speed, lack the essential workflow capabilities for the loan origination process and fail to offer advanced reporting features necessary for ensuring compliance. These deficiencies are resulting in operational inefficiencies and costly errors. Lending operations inherently involve extensive documentation, requiring the meticulous processing and review of diverse documents sourced from multiple channels. Legacy systems exacerbate this by prolonging the underwriting process, turning it into a time-consuming endeavour. Additionally, they raise concerns about overlooking critical metrics and information during the underwriting phase, which can lead to inaccuracies in credit risk scoring for loan applicants. To address these challenges, vendors are introducing innovative commercial loan origination systems that comprehensively manage and automate the entire lifecycle of the loan process. These systems are purpose-built to overcome the limitations of legacy systems, enhance operational efficiency, reduce errors, and ensure a more streamlined and compliant lending process.

Quadrant Knowledge Solutions defines Commercial loan Origination System (CLOS) as "A Commercial Loan Origination System (CLOS) is a software solution that streamlines and manages the entire end-to-end commercial lending process encompassing tasks such as loan origination, processing, distribution, and monitoring of commercial loans for large to mid and small organizations. A typical CLOS software comprises of various modules such as application generation, KYC processing, underwriting, documentation, loan servicing and delinquency management. An end-to-end CLOS solution aids organizations in augmenting revenue, effectively managing risk, improving operational efficiency, as well as providing seamless customer experiences."

Financial institutions are progressively embracing the adoption of Commercial Loan Origination Systems (CLOS) to enhance operational efficiencies and elevate the overall customer experience. This sophisticated solution proves instrumental in assisting financial institutions (FIs) in addressing multifaceted issues, including data inconsistency, redundancy, process fragmentation, and the intricacies of credit assessment and evaluation. By doing so, it facilitates the generation of actionable insights that lead to significant cost reductions in loan application processing. Furthermore, the intensification of global regulations and compliance requirements is ushering in an era of heightened scrutiny concerning data privacy and transparency by regulatory bodies. In response, Commercial Loan Origination System (CLOS) vendors are actively enhancing their offerings to ensure robust compliance and advanced reporting capabilities. Notably, a subset of financial institutions has also recognized the merits of deploying this solution as a cloud-based service, characterized by a resilient microservices architecture. This strategic choice always guarantees the availability of the system and across geographical boundaries, aligning with the imperative of uninterrupted access and enhanced scalability.

Market Forecast Description:

QKS Group Reveals that Commercial Loan Origination System (CLOS) Market is Projected to Register a CAGR of 8.7% by 2028.

A Commercial Loan Origination System (CLOS) is a software that optimizes and oversees the complete end-to-end commercial lending procedure for Banks and financial institutions (FIs), catering to organizations of varying sizes, from large enterprises to mid-sized and smaller entities. This encompasses a wide array of activities, including loan origination, processing, distribution, and continuous monitoring. The software consists of multiple interrelated modules, encompassing application generation, Know Your Customer (KYC) processing, underwriting, documentation management, loan servicing, and delinquency management. The solution leverages big data and analytics, and AI/ML models for automated spreading and ratio analysis which empowers FIs to comprehensively evaluate the credit risk associated with businesses and their owners, enhancing the precision and efficiency of credit assessment. AI-driven chatbots facilitate customer support autonomously, minimizing/ eliminating the necessity for human intervention. Cloud computing significantly streamlines the entire loan processing workflow, with its document storage capabilities, scalability options, data integration capabilities, and robust security protocols. The integration of cloud technology also ensures 24X7 accessibility while accommodating operational expansion through its microservices architecture.

TABLE OF CONTENTS

Market Share:

Chapter 01: Executive Summary

• Key Research Findings
• Top Predictions
• Top Trends
• Market Summary

Chapter 02: Market Overview

• Market Definition and Scope
• Key Factors Impacting the Market
• Drivers & Restraints

Chapter 03: Market Analysis

• Global CLOS Market Share Analysis

Chapter 04: Market Share Analysis

• Market Share by Region
• Market Share Worldwide
• Market Share USA
• Market Share Canada
• Market Share Latin America
• Market Share Western Europe
• Market Share Central & Eastern Europe
• Market Share Middle East & Africa
• Market Share China
• Market Share APAC Ex Japan & China
• Market Share Japan
• Market Share by Industry Verticals
• Market Share by Media & Entertainment
• Market Share by Retail
• Market Share by BFSI
• Market Share by Travel & Hospitality
• Market Share by Education
• Market Share by Public Sector
• Market Share by Healthcare & Life Science
• Market Share by Automotive
• Market Share by Food & Beverage
• Market Share by Deployment Type
• Market Share by Deployment Type: On prem
• Market Share by Deployment Type: Cloud
• Market Share by Customer Type
• Market Share by SMB
• Market Share by Large
• Market Share by Enterprise

Chapter 05: Company Profile

• Company Overview
• Analyst Perspectives and Analysis

Chapter 06: Appendix

• Research Methodologies

Market Forecast:

Chapter 01: Executive Summary

• Key Research Findings
• Top Predictions
• Top Trends
• Market Summary

Chapter 02: Market Overview

• Market Definition and Scope
• Key Factors Impacting the Market
• Drivers & Restraints

Chapter 03: Market Analysis

• Global CLOS Market Forecast Analysis

Chapter 04: Market Forecast Analysis

• Market Forecast by Region
• Market Forecast Global
• Market Forecast USA
• Market Forecast Canada
• Market Forecast Latin America
• Market Forecast Western Europe
• Market Forecast Central & Eastern Europe
• Market Forecast Middle East & Africa
• Market Forecast China
• Market Forecast APAC Ex Japan & China
• Market Forecast Japan
• Market Forecast by Industry Verticals
• Market Forecast by Media & Entertainment
• Market Forecast by Retail
• Market Forecast by BFSI
• Market Forecast by Travel & Hospitality
• Market Forecast by Education
• Market Forecast by Public Sector
• Market Forecast by Healthcare & Life Science
• Market Forecast by Automotive
• Market Forecast by Food & Beverage
• Market Forecast by Deployment Type
• Market Forecast by Deployment Type: On prem
• Market Forecast Deployment Type: Cloud
• Market Forecast by Customer Type
• Market Forecast by SMB
• Market Forecast by Large
• Market Forecast by Enterprise

Chapter 05: Company Profile

• Company Overview
• Analyst Perspectives and Analysis

Chapter 06: Appendix

• Research Methodologies