# ezbob > Our Core Lending Platform enhances your current infrastructure & enables to develop new lending offerings in a fraction of the time and cost. --- ## Pages - [Homepage](https://www.ezbob.com/): Our Core Lending Platform enhances your current infrastructure & enables to develop new lending offerings in a fraction of the time and cost. - [Tomer Guriel](https://www.ezbob.com/tomer_guriel/): - [Events](https://www.ezbob.com/events/): Check out our upcoming events in finance and banking and come meet us there! Reach out to us for more info. - [Applications](https://www.ezbob.com/applications/): A robust Core Lending Platform designed for your digital transformation, and scale-up strategy, while keeping it secure and reliable. - [Platform](https://www.ezbob.com/platform/): ezbob provides tailored embedded finance solutions that are optimized for the unique requirements of our customers. - [Contact Us](https://www.ezbob.com/contact-us/): Are you ready to take your lending to the next level with ezbob's Core Lending platform? Book a demo today! - [Terms & Conditions](https://www.ezbob.com/about-us/terms-conditions/): ezbob terms and conditions. Here you can familiarize yourself with the guidelines and rules that govern your use of our services. - [About us](https://www.ezbob.com/about-us/): For over a decade ezbob has pioneered the digital lending transformation of leading financial institutions worldwide. - [Insights](https://www.ezbob.com/insights/): Discover the latest insights and news about, embedded finance solutions, banking and lending business from ezbob experts. - [Privacy Policy](https://www.ezbob.com/about-us/privacy-policy/): ezbob privacy policy. Here you can learn about how we handle and protect your personal information. Download in PDF or read. --- ## Posts - [Split Payments vs. Point-of-Sale Lending: Behind the Hype at Checkout](https://www.ezbob.com/split-payments-vs-pos-lending/): Compare split payment services and POS lending options to understand key differences, benefits, and risks before choosing a payment solution. - [The 5 Essential Pillars of The Bank Secrecy Act](https://www.ezbob.com/the-5-essential-pillars-of-bsa/): What is the Purpose of the Bank Secrecy Act? The Bank Secrecy Act (BSA), enacted in 1970, is a cornerstone... - [Trends in Small Business Lending: Europe vs. United States](https://www.ezbob.com/trends-in-small-business-lending-europe-vs-united-states/): Explore the key differences and emerging trends in small business lending between Europe and the United States in this insightful analysis. - [The Role of Explainable AI in Modern Lending](https://www.ezbob.com/explainable-ai-in-modern-lending/): Explore how explainable AI boosts transparency, trust, and compliance in modern lending while enhancing decision-making and efficiency. - [Lend More, Risk Less: Unlocking SME Growth with GGS](https://www.ezbob.com/unlocking-sme-growth-with-ggs/): Explore how the UK’s Growth Guarantee Scheme (GGS) enables banks and lenders to scale SME lending while reducing risk exposure - [Lend More, Risk Less: Unlocking SME Growth with GGS](https://www.ezbob.com/unlocking-sme-growth-with-ggs-2/): Explore how the UK’s Growth Guarantee Scheme (GGS) enables banks and lenders to scale SME lending while reducing risk exposure - [Top 5 Point of Sale Lenders and Financing Solutions to Empower Retailers](https://www.ezbob.com/point-of-sale-lenders/): Discover the top 5 POS lenders and financing solutions designed to empower retailers with flexible funding options and seamless transactions. - [10 Groundbreaking Embedded Lending Trends Set to Redefine 2025](https://www.ezbob.com/embedded-lending-trends/): Can't read right now? Listen instead! Your browser does not support the audio element. The Rise of Embedded Lending Embedded... - [From Open Banking to Open Finance: The Next Evolution in SME Lending ](https://www.ezbob.com/from-open-banking-to-open-finance/): Explore SME lending, its key challenges, and opportunities for growth in small business financing. Learn how lenders support SMEs today. - [Beyond the Mainframe: How Banks Can Accelerate Application Modernisation](https://www.ezbob.com/beyond-the-mainframe/): Discover effective strategies for banks to accelerate application modernisation, boost efficiency, and enhance customer experience. - [Exploring the Future of Finance: Top Banking Conferences for 2025](https://www.ezbob.com/top-banking-conferances/): Explore the top banking conferences of 2025, featuring key trends, insights, and networking opportunities shaping the future of finance. - [The Digital Banker Innovation Series: An exclusive interview with Tomer Guriel](https://www.ezbob.com/digital-banker-innovation-series/): SMEs drive the economy, and providing efficient and profitable financing for them is on every bank's agenda. - [Transforming Lending with Four Types of Software](https://www.ezbob.com/transforming-lending-with-four-types-of-software/): Transform lending with efficient loan management software. Explore key features, types, and strategies for smarter success. - [Lending to Sole Traders and Micro-Businesses: Thriving Amid Economic Challenges](https://www.ezbob.com/lending-to-sole-traders-and-micro-businesses/): Understanding the Current Economic Climate The UK economy today presents a mixed picture. On the brighter side, the unprecedented consumer... - [Cloud Lending: Benefits, Architecture & Best Practices](https://www.ezbob.com/cloud-lending-benefits-architecture-best-practices/): As banks and other lenders navigate the ever-evolving digital landscape, cloud lending has emerged as a cornerstone of modern lending... - [Reinventing Lending for MSMEs: Embracing Data-Driven Decisions to Elevate Customer Experience](https://www.ezbob.com/reinventing-lending-for-msmes/): For MSME lenders, the key to staying relevant is innovating: configurable offerings, unified credit limits, and a robust platform. - [Application of AI to Credit Risk Measurement and Management for MSMEs ](https://www.ezbob.com/application-of-ai-to-credit-risk-measurement-and-management-for-msmes/): Learn how AI enhances credit risk measurement and management for MSMEs, driving smarter financial decisions and growth. - [ezbob Wins Best SaaS Provider of the Year at the Global BankTech Awards 2024](https://www.ezbob.com/ezbob-wins-best-saas-provider-of-the-year-at-the-global-banktech-awards-2024/): We are thrilled to announce that ezbob has been named the Best SaaS Provider of the Year (Software) at the... - [The Best Banking Podcasts for 2024](https://www.ezbob.com/best-banking-podcasts/): To help you navigate the vast landscape of options, we’ve compiled a list of the best banking podcasts for 2024. - [Embedded Payments: Models, Benefits, and Examples](https://www.ezbob.com/embedded-payments-models-benefits-and-examples/): Explore Embedded Payments: Key models, benefits, and real-world examples to streamline transactions and enhance customer experience. - [Regulatory Compliance in Digital Banking: What You Need to Know](https://www.ezbob.com/regulatory-compliance-in-digital-banking/): Discover the importance of regulatory compliance in digital banking, key frameworks, and challenges for financial institutions. - [Unlocking the Potential of Banking-as-a-Service (BaaS) - Key Benefits and Steps to Get Started](https://www.ezbob.com/banking-as-a-service/): Banking-as-a-Service is a model that allows neobank and non-bank businesses to integrate complete banking services into their own offerings. - [ezbob Announces Galia Goldstein as New Chief Product Officer](https://www.ezbob.com/ezbob-announces-galia-goldstein-as-new-chief-product-officer/): LONDON, July 3, 2024 -- ezbob Ltd. , a leading provider of innovative digital lending solutions, is thrilled to announce... - [Revolutionizing the Embedded Finance Landscape with AI Integration](https://www.ezbob.com/revolutionizing-the-embedded-finance-landscape-with-ai-integration/): Discover how AI-powered embedded finance can transform your business, enhance user experience, and boost engagement. - [Three Benefits of Using Cloud Loan Management Solutions](https://www.ezbob.com/three-benefits-of-using-cloud-loan-management-solutions/): Transform lending with cloud-hosted solutions that boost efficiency, enhance security, and improve customer experience. Discover more! - [The Rise of Intelligent Document Processing for Financial Services and AI](https://www.ezbob.com/intelligent-document-processing-for-financial-services-and-ai/): AI-driven document processing revolutionizes finance: efficiency, accuracy, compliance, fraud detection, and customer experience. - [Embracing AI – How AI is Changing Lending Practices in Banks and Financial Institutions](https://www.ezbob.com/ai-changing-lending-practices-in-banks-and-financial-institutions/): AI revolutionizes lending: faster processing, personalized solutions, fraud detection, compliance, shaping future of banking with efficiency. - [Honing the Customer Experience in Digital Lending: Best Practices](https://www.ezbob.com/honing-the-customer-experience-in-digital-lending-best-practices/): Fintech revolutionizes digital lending with a focus on speed, simplicity, and personalized customer experiences. Read more here. - [Digital Lending Operations in 2024: What You Need to Know](https://www.ezbob.com/digital-lending-operations/): The banking industry is well-known for relying on legacy core banking systems and rigid architectures designed for specific banking functions.... - [Lending Industry Evolution: Top 5 Trends Reshaping the Financial Landscape](https://www.ezbob.com/lending-industry-evolution-top-5-trends-reshaping-the-financial-landscape/): The digital lending industry is experiencing a change driven by a potent mix of technology, innovation, and a healthy dose of disruption. - [Core Lending Platform: Top 5 Benefits for Banks](https://www.ezbob.com/core-lending-platform/): A core lending platform is a software solution that manages the entire lending lifecycle, from origination to servicing to collection. - [Empowering Innovation in Lending with ezbob](https://www.ezbob.com/empowering-innovation-in-lending/): The lending lifecycle isn’t a series of discrete steps or a collection of features to be implemented one after the other. - [Top Banking Innovation Conferences for 2024](https://www.ezbob.com/banking-innovation-conferences/): We have compiled the best and most impactful 2024 events across the USA, Canada, UK, and Europe. Check our list here. - [Digital Banking, Embedded in Reality – the American Banking Association Podcast with ezbob](https://www.ezbob.com/ezbob-and-israel-discount-bank-0/): Elevate SME financing with embedded digital banking. Learn from industry experts on ABA's podcast. Listen to the Full Podcast - [ABA Associate Member Podcast](https://www.ezbob.com/aba-associate-member-podcast/): SMEs drive the economy, and providing efficient and profitable financing for them is on every bank's agenda. - [David and Goliath as Friends: ezbob and Israel Discount Bank Pioneering Innovative Partnerships Through the Fintech Hybrid Model](https://www.ezbob.com/ezbob-and-israel-discount-bank/): David and Goliath as friends: ezbob and Israel Discount Bank pioneering innovative partnerships through the fintech hybrid model - [6th World Digital Banking Summit: Reflections on Innovation and the Future of Banking](https://www.ezbob.com/world-digital-banking-summit/): Insights from the 6th World Digital Banking Summit: A convention for global executives, digital transformation, and high-end networking. - [Handelsblatt Banking Summit: A Deep Dive into the Future of Banking](https://www.ezbob.com/handelsblatt-banking-summit/): A hub of decision-makers, emphasizing Germany-centric approaches, digital transformation, and high-end networking. Read here. - [Fintech Partnerships: Hesitation vs. Headway](https://www.ezbob.com/fintech-partnerships-hesitation-vs-headway/): Unlocking the potential of fintech partnerships: explore the key strategies for success in financial technology collaborations. - [The Secret to Segmentation for SME Loan Applications](https://www.ezbob.com/segmentation-sme-loan-applications/): Explore how fintech platforms enhance SME risk assessment through precise customer segmentation and increased transactions. - [Servicing SME Customers Through Embedded Lending](https://www.ezbob.com/servicing-sme-customers-through-embedded-lending/): Discover how embedded lending benefits SMEs. Learn how to enhance customer service through innovative lending solutions. - [How Open Banking Drives Embedded Finance Forward](https://www.ezbob.com/open-banking-drive-embedded-finance/): Explore how open banking revolutionizes embedded finance, enhancing SME financial integration & fostering innovation for seamless transactions. - [Unlocking Growth Opportunities with B2B Embedded Finance](https://www.ezbob.com/b2b-embedded-finance/): Discover how B2B embedded finance unlocks growth, enhances cash flow, and offers competitive advantages for businesses. - [Digital Transformation in Lending: Should Banks Buy or Build?](https://www.ezbob.com/digital-transformation-in-lending/): Explore the digital transformation in lending: the critical choice for banks between building technology in-house or partnering with fintechs. - [Benefits of Open Banking: A Game-Changer for the Financial Industry](https://www.ezbob.com/benefits-of-open-banking/): Unveil the transformative power of open banking for SMEs: fostering innovation, security, and seamless financial integration across Europe. - [Providing a One-stop Shop for Digital Transformation in Lending](https://www.ezbob.com/providing-a-one-stop-shop-for-digital-transformation-in-lending/): Ezbob's innovative platform offers a comprehensive digital transformation solution for lending, enhancing efficiency and customer experience. - [Why Banks Must Look Beyond Credit Bureaus to Assess Risk](https://www.ezbob.com/why-banks-must-look-beyond-credit-bureaus-to-assess-risk/): Integrating Open Banking into existing customer processes doesn't have to be an extensive technological overhaul that spans months. - [The Importance of an Efficient Merchant Onboarding Process](https://www.ezbob.com/the-importance-of-an-efficient-merchant-onboarding-process/): An efficient merchant onboarding process is critical for financial institutions looking to lend to small and medium-sized businesses. - [Understanding the Benefits of a Loan Origination System for Financial Institutions](https://www.ezbob.com/understanding-the-benefits-of-a-loan-origination-system-for-financial-institutions/): Unlock the advantages of Loan Origination Systems for financial institutions. Discover streamlined processes and enhanced efficiency. - [Embedded Finance Presents Ambitious Brands with a Huge Growth Opportunity](https://www.ezbob.com/embedded-finance-growth-opportunity/): Technology in combination with the expanding open banking movement is paving the way for growth and opportunities throughout the global... - [The Importance of Embedded Finance Solutions for Business Success](https://www.ezbob.com/the-importance-of-embedded-finance-solutions-for-business-success/): In our fast-paced digital world, businesses must adapt to stay relevant, and embedded finance solutions are quickly becoming crucial for... - [Embedded Banking: Disrupting Traditional Banking Models with Seamless Integration](https://www.ezbob.com/embedded-banking-disrupting-traditional-banking-models-with-seamless-integration/): The new embedded banking allows non-financial companies to seamlessly integrate banking services into their platforms. Learn more about here. - [Discount Bank and ezbob set up fintech co Greenlend](https://www.ezbob.com/greenlend-jv-discountbank/): Discount Bank and ezbob's Greenlend JV will offer flexible and immediate solutions in the consumer credit sector as well as... - [Open Banking in the US – The State of Play](https://www.ezbob.com/open-banking-in-the-us/): What is the state of play of open banking in the US? Read to find out more. - [The Future of Credit Decisioning - Big Data Initiatives](https://www.ezbob.com/big-data-initiatives/): What is the future of credit decisioning using big data initiatives? Get the facts in our report. - [The Future of Credit Decisioning](https://www.ezbob.com/the-future-of-credit-decisioning/): What is the future of credit decisioning? Get the facts in our report. - [Winning the Post-pandemic Customer Acquisition Marathon](https://www.ezbob.com/winning-the-post-pandemic-customer-acquisition-marathon/): Marketing departments work hard in our busy digital world to sell their company’s product, but it’s fair to say they’re... - [Boosting Profitability by Minimising Customer Friction](https://www.ezbob.com/boosting-profitability-by-minimising-customer-friction/): 30% of banking customers said they face high friction when applying for a loan or mortgage, whilst 28% cited the... - [We’ve re-engineered our platform in response to the changing digital banking landscape](https://www.ezbob.com/weve-re-engineered-our-platform-in-response-to-the-changing-digital-banking-landscape/): As the financial services ecosystem continues to shift around us, we’re proud to have launched Ezbob Express, our new high-speed,... - [ezbob Wins Awards in Credit and Innovation](https://www.ezbob.com/ezbob-wins-awards-in-credit-and-innovation/): Ezbob have won two awards in credit and innovation! - [What do US customers really want from their banking providers?](https://www.ezbob.com/what-do-us-customers-really-want-from-their-banking-providers/): Having seen what’s available in adjacent industries, US consumers and small businesses are demanding a higher level of customer service... - [US financial institutions embrace digital transformation in the wake of COVID-19](https://www.ezbob.com/us-financial-institutions-embrace-digital-transformation-in-the-wake-of-covid-19/): As the dust settles, a strong digital appetite is emerging amongst US financial institutions who are increasing focus and spend... - [Matching the Challenger Banks in Digital SME Lending](https://www.ezbob.com/matching-the-challenger-banks-in-digital-sme-lending/): The UK’s small and medium-sized enterprises (SMEs) have traditionally turned to the big high street lenders for all of their... - [Pioneering Innovative Partnerships](https://www.ezbob.com/how-to-accelerate-digital-lending-with-data-automation/): Pioneering Innovative Partnerships | ezbob and Israel Discount Bank webinar Pioneering Innovative Partnerships: Unveiling the game-changing Fintech hybrid model at... - [Watch On-Demand Ezbob at Fintech Talents Lending 3.0](https://www.ezbob.com/watch-on-demand-ezbob-at-fintech-talents-lending-3-0/): In February, Ezbob were speakers at FinTech Talent’s Lending 3. 0, the conference completely dedicated to exploring the next generation... - [Navigating the dominance of Tier 1 banks in UK SME lending](https://www.ezbob.com/navigating-the-dominance-of-tier-1-banks-in-uk-sme-lending/): Industry research highlights that SME lending in the UK is dominated by five Tier 1 banks that small companies know... - [Fintech Talents Lending](https://www.ezbob.com/fintech-futures-virtual-arena-ezbob-profile/): ezbob Roundtable at Fintech Talents Lending 3. 0 | 24 Feb 2021 Virtual round table: 50 Shades of Digital Lending,... - [A silver lining for lending](https://www.ezbob.com/ftt-clinic-on-demand/): A silver lining for lending - FTT Chat with Tomer Guriel In this chat, Tomer Guriel Co-Founder and CEO @... - [EzBob Panel at Fintech Talents Lending](https://www.ezbob.com/ftt-roundtable-on-demand/): ezbob Panel at Fintech Talents Lending 3 0 Decisions powered by Data Panel Discussion: “Decisions Powered by Data” explored how... - [Data automation - ezbob and Finextra Webinar](https://www.ezbob.com/ftt-panel-on-demand/): How to accelerate digital lending with data automation - ezbob and Finextra Webinar | 25 Feb 2021 This webinar focuses... - [Ezbob digital lending events in Feb - Finextra and FTT Lending 3.0](https://www.ezbob.com/ezbob-events-in-feb-finextra-and-ftt-lending-3-0/): Want to see Ezbob live in action? This month you have two opportunities: Fintech Talents (FTT) Lending 3. 0 and... - [Conquer the New World of Risk](https://www.ezbob.com/?p=833): Download the White Paper on How can banks conquer the new world of risk? - [Smarter onboarding in lending](https://www.ezbob.com/?p=829): Download the White Paper: Bringing Smarter Onboarding to the Lending Sector - [Building SME Relationships Post-Pandemic](https://www.ezbob.com/banking-in-transition-podcast/): Banking in Transition Episode 1: Building SME Relationships post-pandemic Tomer Guriel, co-founder and CEO of ezbob, talks to The Banker’s... - [‘Banks should deliver the same experience as Amazon and Netflix’, says Ezbob CEO](https://www.ezbob.com/banks-should-deliver-the-same-experience-as-amazon-and-netflix-says-ezbob-ceo/): After a year that was hugely disrupted by Covid-19 and the entire economy and its workforce moved online, City A.... - [4 drivers fueling digital lending](https://www.ezbob.com/4-drivers-fuelling-digital-lending/): In the last few years, new digital lending models have emerged around the world and this trend has been hastened... - [Helping British Business to Bounce Back - Metro Bank Case Study](https://www.ezbob.com/?p=1646): Download the Esme Loans Case Study: How Esme Loans Tapped Advanced Technology to Fuel Its 300% Growth - [Innovation in the Digital Post-Covid World - Intesa Sanpaolo](https://www.ezbob.com/?p=1644): Download the Esme Loans Case Study: How Esme Loans Tapped Advanced Technology to Fuel Its 300% Growth - [Esme Loans 300% Growth](https://www.ezbob.com/?p=836): Download the Esme Loans Case Study: How Esme Loans Tapped Advanced Technology to Fuel Its 300% Growth - [Ezbob Win Best Technology Partner at Lending Awards 2020](https://www.ezbob.com/ezbob-win-best-technology-partner-at-lending-awards-2020/): This week, Ezbob won the Best Technology Partner award at the Lending Awards 2020. - [How Banks Can Accelerate Customer Acquisition by Simplifying the Application Process](https://www.ezbob.com/how-banks-can-accelerate-customer-acquisition-by-simplifying-the-application-process/): Today people are expecting the same ease-of-use and convenience that tech leaders such as Amazon and Google provide them in... - [COVID-19 has Spiked Unmet Demand for SME Lending – How the UK Government’s BCR Programme is Helping](https://www.ezbob.com/covid-19-has-spiked-unmet-demand-for-sme-lending-how-the-uk-governments-bcr-programme-is-helping/): Across the UK 360,000 SMEs loans have been rejected and the loans approved, were 30% below pre-COVID averages – BCR... - [Pioneering ‘lending-as-a-service’ in the UK](https://www.ezbob.com/pioneering-lending-as-a-service-in-the-uk/): Yaron Shoshani - CTO of ezbob on pioneering the ‘lending-as-a-service’ in the UK Yaron Shoshani is the CTO of ezbob... - [Interview: Digital transformation in small business lending](https://www.ezbob.com/interview-digital-transformation-in-small-business-lending/): Axis Corporate have produced a podcast interview on Digital Transformation in Small Business Lending. - [Digital transformation in small business lending](https://www.ezbob.com/interview-digital-transformation-in-small-business-lending-2/): Interview: Digital transformation in small business lending Axis Corporate have produced a podcast interview on Digital Transformation in Small Business... - [ezbob awarded £2.5m BCR’s Pool E funding](https://www.ezbob.com/ezbob-awarded-2-5m-bcrs-pool-e-funding/): ezbob has today announced that it has been awarded £2. 5m as part of the BCR’s (Banking Competition Remedies) £100m... - [ezbob technology delivers £1b+ to UK SMEs during June and July](https://www.ezbob.com/ezbob-technology-delivers-1b-to-uk-smes-during-june-and-july/): The impact of the Coronavirus has had a profound effect on small businesses with emergency funding being at its most... - [Lending Post Covid-19: New Data Sources and Technologies](https://www.ezbob.com/lending-post-covid-19-new-data-sources-and-technologies/): Coronavirus is changing the world, and this includes people’s financial behaviour. Lenders need to understand this new operating environment - [Things to Consider – Digitising your SME Lending Customer Journey](https://www.ezbob.com/things-to-consider-digitising-your-sme-lending-customer-journey/): We interview Tomer Guriel (CEO and Founder, ezbob) and Yaron Shoshani (CTO, ezbob) on key questions around digitising SME lending. - [ezbob Submits Bid for Part of BCR’s £100m Pool E](https://www.ezbob.com/ezbob-submits-bid-for-part-of-bcrs-100m-pool-e/): ezbob, an established technology provider that powers the digital SME lending arm of several UK banks has today announced that... - [Contagion boosts the case for creditR](https://www.ezbob.com/contagion-boosts-the-case-for-creditr/): The world’s economy has taken a major hit. With millions more businesses and individuals needing to access finance to mitigate... - [ezbob selected for Financial NewTech Watchlist 2020](https://www.ezbob.com/ezbob-selected-for-financial-newtech-watchlist-2020/): Efma and Capgemini have selected ezbob for the Financial NewTech Watchlist 2020. - [The crucial role of fintechs in the battle against COVID-19](https://www.ezbob.com/the-crucial-role-of-fintechs-in-the-battle-against-covid-19/): The UK’s fintechs are stepping up amidst the COVID-19 crisis, rapidly creating new solutions to ease the financial pressure for... - [ezbob announced as finalists in Financial NewTech Challenge 2020](https://www.ezbob.com/ezbob-announced-as-finalists-in-financial-newtech-challenge-2020/): ezbob are Finalists for the Financial NewTech Challenge 2020. - [How the UK’s ‘Big Five’ banks are handling CBILS applications](https://www.ezbob.com/how-the-uks-big-five-banks-are-handling-cbils-applications/): The UK’s SME community continues to be hit hard by the effects of the unprecedented COVID-19 lockdown. - [CFO Interview: The Secret to Working with the Big Banks](https://www.ezbob.com/cfo-interview-the-secret-to-working-with-the-big-banks/): Ben is CFO at ezbob, heading up financial servicing and strategy for one of the leading startups in the lending-as-a-service... - [ezbob launches CBILS Smart Onboarding engine](https://www.ezbob.com/ezbob-launches-cbils-eligibility-and-credit-assessment-engine/): ezbob CBILS solution allows financial institutions to deploy smart assessment filtering ensuring SMEs eligible for funding can receive funds quickly - [Five ways lending technology can help banks navigate COVID-19](https://www.ezbob.com/five-ways-lending-technology-can-help-banks-navigate-covid-19/): The global economy has been hit hard by the coronavirus pandemic, with SMEs and entrepreneurs struggling to access the funds... - [Are banks prepared for the battle with big tech?](https://www.ezbob.com/are-banks-prepared-for-the-battle-with-big-tech/): Until recently, it was the fintechs keeping the banks up at night. But as the incumbent-fintech dynamic moves from disruption... - [How can UK lenders utilise the £330bn of government Covid-19 lending support?](https://www.ezbob.com/how-can-uk-lenders-utilise-the-330bn-of-government-covid-19-lending-support/): We are in unchartered waters and given the day-to-day dynamism of the global economy and political responses, it’s an increasingly... --- ## Glossary Posts - [Checkout Financing](https://www.ezbob.com/glossary/checkout-financing/): Learn what a cloud-based banking platform is, its key features, and how it transforms banking with scalability, security, and efficiency. - [Cloud Based Banking Platform](https://www.ezbob.com/glossary/cloud-based-banking-platform/): Learn what a cloud-based banking platform is, its key features, and how it transforms banking with scalability, security, and efficiency. - [Core Banking](https://www.ezbob.com/glossary/core-banking/): Discover what core banking is, its key features, and how it streamlines banking processes to enhance efficiency and customer experience. - [KYC Check](https://www.ezbob.com/glossary/kyc-check/): Understand what a KYC check is, why it’s essential for compliance, and learn how to effectively verify customer identities step-by-step. - [Instant Credit Decisioning](https://www.ezbob.com/glossary/instant-credit-decisioning/): Learn what loan pipeline management is, explore best practices, and overcome common challenges to optimize your lending process. - [Loan Pipeline Management](https://www.ezbob.com/glossary/loan-pipeline-management/): Learn what loan pipeline management is, explore best practices, and overcome common challenges to optimize your lending process. - [Credit Decisioning](https://www.ezbob.com/glossary/glossary-credit-decisioning/): Discover what credit decisioning is, explore its steps, and learn the benefits of making smarter, data-driven lending decisions. - [Customer Identification Program (CIP)](https://www.ezbob.com/glossary/customer-identification-program/): Learn about Customer Identification Program (CIP) requirements, key rules, and benefits for ensuring secure and compliant financial services. - [Business Line of Credit](https://www.ezbob.com/glossary/business-line-of-credit/): Discover what split payments are, their key challenges, and limitations in transactions for businesses and consumers. - [Split Payments](https://www.ezbob.com/glossary/split-payments/): Discover what split payments are, their key challenges, and limitations in transactions for businesses and consumers. - [SBA Loans](https://www.ezbob.com/glossary/sba-loans/): Learn what an SBA loan is, its types, and how it works to help small businesses secure funding with favorable terms. - [Fintech Lending](https://www.ezbob.com/glossary/fintech-lending/): Fintech lending refers to the use of financial technology to provide loans more efficiently, securely, and flexibly than traditional methods. - [Open Finance](https://www.ezbob.com/glossary/open-finance/): Open Finance is an extension of Open Banking, enabling the secure sharing of financial data across a broader range of financial services. - [Commercial Lending Software](https://www.ezbob.com/glossary/commercial-loan-software/): Learn about commercial lending software, its key features, and benefits for streamlining loan processes and improving efficiency. - [Peer-to-Peer Business Loans](https://www.ezbob.com/glossary/peer-to-peer-business-loan/): Discover Intelligent Document Processing (IDP) for finance, its role in automating workflows, improving accuracy, and boosting efficiency. - [Intelligent Document Processing for Finance (IDP)](https://www.ezbob.com/glossary/intelligent-document-processing-finance/): Discover Intelligent Document Processing (IDP) for finance, its role in automating workflows, improving accuracy, and boosting efficiency. - [White-Label BNPL (Buy-Now-Pay-Later)](https://www.ezbob.com/glossary/white-label-bnpl/): Learn about white-label BNPL, its benefits for businesses and customers, and the challenges to consider when implementing this solution. - [Retail Financing](https://www.ezbob.com/glossary/retail-financing/): Discover retail financing, its various types, and benefits for businesses and customers, driving sales and enhancing purchasing power. - [Merchant Discount Rate (MDR)](https://www.ezbob.com/glossary/merchant-discount-rate/): Learn about the Merchant Discount Rate (MDR), its importance for businesses, and the key components that influence transaction costs. - [Disbursed Funds](https://www.ezbob.com/glossary/disbursed-funds/): Learn about disbursed funds, their benefits, and key features that ensure smooth financial transactions and efficient fund management. - [Installment Loans](https://www.ezbob.com/glossary/installment-loans/): Discover installment loans, their benefits, and key features that provide flexible repayment options and financial stability for borrowers. - [POS Financing](https://www.ezbob.com/glossary/pos-financing/): Learn about POS financing, its benefits, and types, helping businesses boost sales and customers access flexible payment options. - [Contextual Finance](https://www.ezbob.com/glossary/contextual-finance/): Discover contextual finance, its key benefits, and features that integrate financial services seamlessly into everyday user experiences. - [Banking-as-a-Service](https://www.ezbob.com/glossary/banking-as-a-service/): Explore the essentials of digital lending, from its benefits to key technologies driving the future of financial services. - [Digital Lending](https://www.ezbob.com/glossary/digital-lending/): Explore the essentials of digital lending, from its benefits to key technologies driving the future of financial services. - [Loan Management System (LMS)](https://www.ezbob.com/glossary/loan-management-system/): Discover what a Loan Management System (LMS) is, its key benefits, and features that streamline loan processing and enhance efficiency. - [Embedded Finance](https://www.ezbob.com/glossary/embedded-finance/): Explore the benefits and use cases of embedded finance, transforming financial services integration across various platforms. - [Embedded Banking](https://www.ezbob.com/glossary/embedded-banking/): Learn how embedded banking seamlessly integrates financial services into platforms, enhancing user experience and accessibility. - [Embedded Lending](https://www.ezbob.com/glossary/embedded-lending/): Discover the benefits and key features of embedded lending, revolutionizing how financial services integrate with platforms. - [Open Banking](https://www.ezbob.com/glossary/open-banking/): Explore the history, benefits, and challenges of open banking, revolutionizing financial services through data sharing. - [Loan Origination System](https://www.ezbob.com/glossary/loan-origination-system/): Discover what a Loan Origination System is, along with its key benefits and features that streamline the lending process. - [Digitalisation in Banking](https://www.ezbob.com/glossary/digitalisation-in-banking/): Explore digitalisation in banking, its benefits, and how it's transforming the industry through innovative implementation. - [Revenue-Based Lending](https://www.ezbob.com/glossary/revenue-based-lending/): Learn about revenue-based lending, how it works, and the advantages it offers for flexible financing based on business revenue. - [BNPL for Business](https://www.ezbob.com/glossary/bnpl-for-business/): Discover how BNPL for business works, its model, and the key benefits it offers to companies and their customers. --- # # Detailed Content ## Pages ### Homepage --- ### Tomer Guriel --- ### Events --- ### Applications --- ### Platform --- ### Contact Us --- ### Terms & Conditions --- ### About us --- ### Insights --- ### Privacy Policy --- --- ## Posts ### Split Payments vs. Point-of-Sale Lending: Behind the Hype at Checkout Once, credit at checkout was a straightforward affair: a single approval, a preset limit, and revenue earned through interchange. Fast forward to today, and the landscape has fractured into competing models, both promising seamless financing at the point of purchase. FinTech tout “instant instalments,” but behind the buzz are two... --- ### The 5 Essential Pillars of The Bank Secrecy Act What is the Purpose of the Bank Secrecy Act? The Bank Secrecy Act (BSA), enacted in 1970, is a cornerstone of the United States' anti-money laundering (AML) framework. The purpose of the Bank Secrecy Act is to prevent financial institutions from being used as tools for money laundering, terrorist financing,... --- ### Trends in Small Business Lending: Europe vs. United States Small and medium-sized businesses (SMBs) form the economic backbone of both Europe and the U. S. , accounting for about 99% of all enterprises. However, access to financing has traditionally been a challenge. In 2024, small business lending is undergoing rapid change due to post-pandemic economic pressures, technological advances, and... --- ### The Role of Explainable AI in Modern Lending What is Explainable AI in Modern Lending? Lenders are increasingly turning to AI to drive efficiency, manage risk, and improve credit decisioning. But when an AI system denies a loan or flags a borrower as high risk, the question isn't just whether the decision was accurate, it's whether it can... --- ### Lend More, Risk Less: Unlocking SME Growth with GGS Growth Guarantee Scheme (GGS) is a UK government-backed initiative run by the British Business Bank (BBB). It’s designed to help smaller businesses get loans they might struggle to access otherwise. Here’s how it works in plain terms: The government guarantees 70% of the loan a lender gives to a small... --- ### Lend More, Risk Less: Unlocking SME Growth with GGS Growth Guarantee Scheme (GGS) is a UK government-backed initiative run by the British Business Bank (BBB). It’s designed to help smaller businesses get loans they might struggle to access otherwise. Here’s how it works in plain terms: The government guarantees 70% of the loan a lender gives to a small... --- ### Top 5 Point of Sale Lenders and Financing Solutions to Empower Retailers Don't have time to read? Listen instead! Your browser does not support the audio element. The Shift Toward Seamless Retail Financing Retailers face a growing demand for flexible payment options that align with modern shopping habits. Consumers expect instant access to financing at checkout, whether online or in-store, without the... --- ### 10 Groundbreaking Embedded Lending Trends Set to Redefine 2025 Can't read right now? Listen instead! Your browser does not support the audio element. The Rise of Embedded Lending Embedded lending has moved from a niche innovation to a mainstream financial strategy, seamlessly integrating credit solutions into non-financial platforms. Businesses across industries, from e-commerce to SaaS, are embedding lending options... --- ### From Open Banking to Open Finance: The Next Evolution in SME Lending  The fintech landscape across the UK, Europe, and beyond has reshaped how individuals and businesses access financial services. One of the most transformative shifts has been Open Banking, which enables third-party providers to access financial data via APIs. This has been particularly impactful for small enterprises lending, operating under frameworks... --- ### Beyond the Mainframe: How Banks Can Accelerate Application Modernisation Legacy banking systems - built decades ago, often in COBOL and still running on-premises and, in some cases, even on mainframes - are becoming a significant barrier to innovation. These monolithic applications were once the foundation of financial institutions, but now they hinder agility, scalability, and digital transformation. As banks... --- ### Exploring the Future of Finance: Top Banking Conferences for 2025 Can't read right now? Listen instead! Your browser does not support the audio element. As we gear up for an exciting 2025, here’s a sneak peek at the industry events we plan to attend. These conferences and summits are hubs of knowledge-sharing, networking, and thought leadership, providing us with invaluable... --- ### The Digital Banker Innovation Series: An exclusive interview with Tomer Guriel Banking in Transition Episode 1: Building SME Relationships post-pandemic Tomer Guriel, co-founder and CEO of ezbob, talks to The Banker’s Kimberley Long about how SME lending may change in the future, and how digital transformation will progress this. --- ### Transforming Lending with Four Types of Software The banking and financial services industry is constantly evolving, driven by innovation and increasing customer expectations. Lenders are constantly searching for ways to streamline operations, ensure compliance, and deliver a seamless customer experience. In this dynamic environment, loan management software remains an essential tool for staying competitive. Here’s a question:... --- ### Lending to Sole Traders and Micro-Businesses: Thriving Amid Economic Challenges Understanding the Current Economic Climate The UK economy today presents a mixed picture. On the brighter side, the unprecedented consumer price inflation of 2023, which exceeded 10%, appears to be a thing of the past. The Office for Budget Responsibility (OBR) projects inflation to hover near the 2% target through... --- ### Cloud Lending: Benefits, Architecture & Best Practices As banks and other lenders navigate the ever-evolving digital landscape, cloud lending has emerged as a cornerstone of modern lending strategies. By leveraging lending solutions in the cloud, banks and other lenders can enhance their agility, scalability, and improve their customer experience while keeping costs for both acquisition and ongoing... --- ### Reinventing Lending for MSMEs: Embracing Data-Driven Decisions to Elevate Customer Experience In a recent article, Accenture emphasized the crucial role of data-driven decision-making in lending - a philosophy that ezbob champions. By embedding data insights into every stage of lending to MSMEs (Micro, Small, and Medium Enterprises), ezbob leads the way in leveraging machine learning and artificial intelligence to transform lending... --- ### Application of AI to Credit Risk Measurement and Management for MSMEs  A recent IBM report, conducted alongside the SME Finance Forum, highlights a crucial insight: “Banks can increase their relevance to SMEs by embracing tech-led innovation while taming operational costs and managing risks. ” Among these innovations, 56% of surveyed bankers prioritize using AI for credit risk. But how can AI... --- ### ezbob Wins Best SaaS Provider of the Year at the Global BankTech Awards 2024 We are thrilled to announce that ezbob has been named the Best SaaS Provider of the Year (Software) at the Global BankTech Awards 2024 by The Digital Banker. This prestigious recognition highlights our unwavering commitment to delivering cutting-edge SaaS solutions that drive innovation and digital transformation in the financial services... --- ### The Best Banking Podcasts for 2024 Keeping up with changes in the banking industry requires a continuous thirst for knowledge, especially as the landscape continues to evolve. Podcasts offer a wide range of perspectives, from community banking to fintech, regulations, and digital transformation. Whether you're a banking executive, a fintech enthusiast, or just someone looking to... --- ### Embedded Payments: Models, Benefits, and Examples Embedded payments are gaining traction as a transformative solution for businesses and consumers alike. As businesses look for seamless ways to integrate financial services into their platforms, understanding the intricacies of embedded payment solutions becomes critical. What Are Embedded Payments? Embedded payments refer to the integration of payment processing capabilities... --- ### Regulatory Compliance in Digital Banking: What You Need to Know In the rapidly evolving world of digital banking and provision of finance to both businesses and consumers, ensuring compliance with regulatory standards is not just a legal obligation but a crucial component of maintaining customer trust and business integrity. This blog post delves into the importance of regulatory compliance in... --- ### Unlocking the Potential of Banking-as-a-Service (BaaS) - Key Benefits and Steps to Get Started In the evolving landscape of financial technology, Banking-as-a-Service (BaaS) has emerged as a transformative force, enabling neobank and non-bank businesses to offer banking services. This introductory guide explores what BaaS is, its benefits, tips for getting started, and best practices for implementation. What is Banking-as-a-Service (BaaS)? Banking-as-a-Service (BaaS) is a... --- ### ezbob Announces Galia Goldstein as New Chief Product Officer LONDON, July 3, 2024 -- ezbob Ltd. , a leading provider of innovative digital lending solutions, is thrilled to announce the appointment of Galia Goldstein as Chief Product Officer (CPO), effective July 1st, 2024. Galia brings with her a wealth of experience and a proven track record in scaling product... --- ### Revolutionizing the Embedded Finance Landscape with AI Integration In a world where customer expectations are higher than ever, embedded finance powered by artificial intelligence (AI) may just be the game-changer you've been looking for. Imagine being able to offer seamless financial services directly from within your platform, driving engagement, and enhancing user experience like never before. This article... --- ### Three Benefits of Using Cloud Loan Management Solutions Cloud-hosted loan management solutions have emerged as a game-changer for financial institutions. These solutions leverage the power of the cloud to streamline lending operations, enhance efficiency, and improve customer experience. With the increasing demand for digital transformation in the banking sector, adopting a cloud-based approach to core lending software has... --- ### The Rise of Intelligent Document Processing for Financial Services and AI Financial institutions are under constant pressure to increase efficiency and improve customer experiences. This is where Artificial Intelligence (AI) steps in, offering robust solutions like Intelligent Document Processing (IDP), utilizing AI to extract, process, and understand data from a variety of document types, ranging from structured forms to unstructured content... --- ### Embracing AI – How AI is Changing Lending Practices in Banks and Financial Institutions In the rapidly evolving world of finance, Artificial Intelligence (AI) has emerged as a game-changer, particularly in the domain of lending. Banks and financial institutions are increasingly harnessing the power of AI to streamline processes, enhance decision-making, and improve customer experiences. Here’s a closer look at how AI-based solutions are... --- ### Honing the Customer Experience in Digital Lending: Best Practices Thanks to the recent wave of disruptive fintech solutions, customer expectations are growingly set on fast, seamless, and accessible services. Perhaps the most glaring example is digital lending, where there are plenty of options in the form of digital lending platforms for today’s borrowers. Yet, customer care leaves quite a... --- ### Digital Lending Operations in 2024: What You Need to Know The banking industry is well-known for relying on legacy core banking systems and rigid architectures designed for specific banking functions. As you can imagine, this presents many challenges in moving forward to modernization and digitization. Banking cloud architecture, instant approvals, streamlined processes, access to a wider customer base, and more... --- ### Lending Industry Evolution: Top 5 Trends Reshaping the Financial Landscape The digital lending industry is experiencing a metamorphosis driven by a potent mix of technology, innovation, and a healthy dose of disruption - courtesy of fintech companies. With so many loan opportunities, banks and other financial players must have a steady pulse of the lending industry trends so they can... --- ### Core Lending Platform: Top 5 Benefits for Banks It’s no longer news to anyone in the banking industry: Digital transformation is a given for any bank planning to thrive. In the European banking world, digital transformation has quickly gone from an advantage to a necessity; but the road to digitalization is proving to be challenging. This reality is... --- ### Empowering Innovation in Lending with ezbob We are fortunate to meet dozens of accomplished professionals in banking product design, IT, and engineering. Over and over we hear that their backlog of products, especially in lending, finance, and credit only gets longer as time goes on. Every single one of these professionals would like to develop and... --- ### Top Banking Innovation Conferences for 2024 Banking innovation conferences happen all around the globe, year-round. For our team, these shows are much more than catching up on what’s new in the industry. Our top executives invest time attending these shows — often as sponsors and speakers — because our sector is moving so quickly that you... --- ### Digital Banking, Embedded in Reality – the American Banking Association Podcast with ezbob This week, ezbob CEO Tomer Guriel talked with Sharon Whitaker, VP, CRE & Mortgage Finance, Mortgage at ABA, on the American Bankers Association podcast episode titled “Digital banking, embedded in reality – monetizing the SME relationship. ” SMEs drive the economy, and providing efficient and profitable financing for them is... --- ### ABA Associate Member Podcast Digital Banking, embedded in reality - Monetizing the SME relationship SMEs drive the economy, and providing efficient and profitable financing for them is on every bank's agenda. The challenge is technological - how to leverage existing back-end systems, and add innovative technology that embeds seamlessly into the bank's ecosystem. --- ### David and Goliath as Friends: ezbob and Israel Discount Bank Pioneering Innovative Partnerships Through the Fintech Hybrid Model Simean Preston, previous Managing Director of BUPA (British United Provident Association Limited), a British multinational health insurance and healthcare company put it best: “The biggest part of our digital transformation is changing the way we think. ” Indeed, the banking industry is undergoing a radical shift driven by new competition... --- ### 6th World Digital Banking Summit: Reflections on Innovation and the Future of Banking I recently had the pleasure of attending the 6th World Digital Banking Summit in Berlin, and I must say, it was an event to remember. The summit was very well attended (not massive in scale), but it felt like everyone present had something interesting and valuable to bring to the... --- ### Handelsblatt Banking Summit: A Deep Dive into the Future of Banking I just returned from the Handelsblatt Banking Summit in Frankfurt and wanted to share some observations while they are still fresh. For those unfamiliar with it, the Summit is a prestigious event that brings together key players from the banking industry, fintech startups, regulatory bodies, and government officials. Now in... --- ### Fintech Partnerships: Hesitation vs. Headway Among fintech startups it’s no secret that pitching to and securing a banking partner is a long, complex, and often frustrating process. Indeed, these startups have chosen a sector that is by its very nature, conservative and cautious; with no physical production of goods or standardised, commoditized services- bank performance... --- ### The Secret to Segmentation for SME Loan Applications Cathy is the owner of a small organic ice cream parlor in Munich. She is 25, and the store, her first business venture, has been in business for just over a year. She has relatively few substantial assets: the display chillers where the ice cream is kept, the ice cream... --- ### Servicing SME Customers Through Embedded Lending SMEs (especially the very small ones) are a massive market; they represent over 99% of businesses, almost three quarters of which are actually single-employee entities. As common as they are, these companies often face unique challenges in attaining operational funding to meet seasonal shortfalls, overcome supply chain hiccups, expansion, and... --- ### How Open Banking Drives Embedded Finance Forward Two significant trends are reshaping the way SMEs interact with money: embedded finance and open banking. These concepts, though distinct, are converging to break down barriers, foster innovation, and integrate financial processes into our daily digital interactions in ways previously unimaginable. Embedded finance refers to the fusion of financial services... --- ### Unlocking Growth Opportunities with B2B Embedded Finance Embedded finance represents a paradigm shift in how businesses in the B2B space approach payments and lending alike. By integrating financial services into existing products or platforms, companies are enhancing their core offerings while also unlocking new avenues for growth. A recent Forbes article summarizes this trend well. As it... --- ### Digital Transformation in Lending: Should Banks Buy or Build? In the ever-evolving landscape of the fintech-banking partnership, financial institutions are faced with the pivotal decision to either develop their own lending technology or source it externally. Before making the choice, it’s key to weigh up the advantages and drawbacks of each option. Back in 2020, a Barclays report underscored... --- ### Benefits of Open Banking: A Game-Changer for the Financial Industry Open banking revolutionized the financial market. It created a more accessible and interconnected ecosystem. This financial technology allows third-party developers to build services that interact with banks and other financial institutions, thus fostering competition and innovation. More than seven million small businesses and individuals in the UK alone rely on... --- ### Providing a One-stop Shop for Digital Transformation in Lending Evolving consumer behaviours spurred on by the aftermath of the pandemic have prompted traditional banks to adopt digital lending solutions that enhance the customer journey and bolster SME lending profitability. The key to success lies in working with the right partner in deploying the necessary systems to enable all of... --- ### Why Banks Must Look Beyond Credit Bureaus to Assess Risk Marking one of the steepest declines in a decade, EY has predicted that business lending will contract by 3. 8% this year. This substantial decrease can be attributed to the worsening economic climate which has led to diminished demand and increased borrowing costs. But lenders operating in, or wishing to... --- ### The Importance of an Efficient Merchant Onboarding Process The success of any business today relies heavily on its ability to adapt to digital transformation. With the rise of e-commerce and fintech, customers expect a seamless and streamlined experience for onboarding. An efficient merchant onboarding process is critical for financial institutions looking to lend to small and medium-sized businesses.... --- ### Understanding the Benefits of a Loan Origination System for Financial Institutions If traditional financial institutions want to compete with trendy, app-based challenger banks to offer small and medium business customers a seamless loan experience, they need to make their processes frictionless, friendly, and fast; according to McKinsey, over one-fifth of SMEs that switched banks were looking for better rates, better online... --- ### Embedded Finance Presents Ambitious Brands with a Huge Growth Opportunity Innovative technology in combination with the expanding Open Banking movement is paving the way for new growth and value opportunities throughout the global economy. A key opportunity arising from this development is embedded finance, a concept that has garnered significant attention lately. Simply put, embedded finance allows non-financial companies to... --- ### The Importance of Embedded Finance Solutions for Business Success In our fast-paced digital world, businesses must adapt to stay relevant, and embedded finance solutions are quickly becoming crucial for achieving business success. Put simply, embedded finance allows businesses that are not financial institutions to include financial services or products within their digital offerings. With faster and more accessible customer... --- ### Embedded Banking: Disrupting Traditional Banking Models with Seamless Integration There’s a new kid on the e-commerce and digital banking block: embedded banking. As we’ll discuss below, embedded banking allows non-financial companies to seamlessly integrate banking services into their platforms. This user-centric approach breeds loyalty and customer satisfaction and it’s quickly becoming a hit with forward-thinking companies.   The current... --- ### Discount Bank and ezbob set up fintech co Greenlend Israel Discount Bank announced a collaboration with e-lending company ezbob to set up a new fintech company Greenlend to provide digital credit. The new company will offer flexible and immediate solutions in the consumer credit sector as well as credit for small businesses. Discount Bank will own 70% of the... --- ### Open Banking in the US – The State of Play Open Banking is the practice of providing third-party service providers with open access to banking, transaction, and other financial data from banks and non-bank financial institutions through the use of APIs. Ultimately, the aim is to boost the quality of financial services on offer to consumers and small businesses alike.... --- ### The Future of Credit Decisioning - Big Data Initiatives The use of machine learning for credit decisioning is being driven by a desire to make smarter decisions that lead to greater expansion - and greater profits. According to our research, 90% of financial institutions believe successful big data initiatives dictate the winners of the future. Yet only 37% are... --- ### The Future of Credit Decisioning The use of machine learning for credit decisioning is being driven by a desire to make smarter decisions that lead to greater expansion - and greater profits. According to our research, 72% of credit management professionals believe that data analytics can be improved at their current companies, while almost half... --- ### Winning the Post-pandemic Customer Acquisition Marathon New customer acquisition is much like running a marathon. What counts is getting to the finishing line and a signed agreement. Marketing departments work hard in our busy digital world to sell their company’s product, but it’s fair to say they’re often hamstrung by high abandonment rates because the onboarding... --- ### Boosting Profitability by Minimising Customer Friction Competition in the financial services space has reached boiling point, heaping pressure on the world’s banks and financial institutions. And it’s hardly a secret that customers faced with friction are frustrated and considering their options. The World FinTech Report 2021, published by CapGemini and EFMA, references key areas of bank... --- ### We’ve re-engineered our platform in response to the changing digital banking landscape As the financial services ecosystem continues to shift around us, we’re proud to have launched Ezbob Express, our new high-speed, data-driven customer acquisition platform. It’s a modular SaaS platform that delivers more customers to companies, in a more profitable way. The advanced cloud-based modular design offers unmatched deployment speed and... --- ### ezbob Wins Awards in Credit and Innovation ezbob have won two awards in credit and innovation! Tomer Guriel, CEO at ezbob has made it into the Credit Strategy Credit 500 Index (register to view) for his influence in the world of credit. Way before the current crop of well-known challenger banks were around, Tomer was innovating with... --- ### What do US customers really want from their banking providers? This article first appeared on Finextra. Having seen what’s available in adjacent industries, US consumers and small businesses are demanding a higher level of customer service, a better user experience (UX), and the necessary saving seen what’s available in adjacent industries, US consumers and small businesses are demanding a higher... --- ### US financial institutions embrace digital transformation in the wake of COVID-19 As the dust settles, a strong digital appetite is emerging amongst US financial institutions who are increasing focus and spend on digital capabilities, customer onboarding, and product origination. The COVID-19 pandemic has reshaped how banks interact with their customers. This is particularly true in the US, which has more financial... --- ### Matching the Challenger Banks in Digital SME Lending (This post first appeared on Finextra) The UK’s small and medium-sized enterprises (SMEs) have traditionally turned to the big high street lenders for all of their financing needs. The much-publicised advent of the challenger banks is reshaping this dynamic, and it’s crucial for the incumbents to invest in their digital... --- ### Pioneering Innovative Partnerships Pioneering Innovative Partnerships | ezbob and Israel Discount Bank webinar Pioneering Innovative Partnerships: Unveiling the game-changing Fintech hybrid model at the point of need. Don't get left behind in today's fast-paced business environment. In our recent webinar, we shared learnings from the experience of creating Greenlend, elaborating on the concept... --- ### Watch On-Demand Ezbob at Fintech Talents Lending 3.0 In February, Ezbob were speakers at FinTech Talent’s Lending 3. 0, the conference completely dedicated to exploring the next generation of digital lending. Missed out? Don’t worry, we have all the Ezbob sessions available on-demand below. Panel Discussion: “Decisions Powered by Data” which will explore how Open Banking/Finance is enabling... --- ### Navigating the dominance of Tier 1 banks in UK SME lending Industry research highlights that SME lending in the UK is dominated by five Tier 1 banks that small companies know very well and therefore offer a comfort factor. How can smaller financial institutions break into the circle and help provide the finance that SMEs need as they lead the economic... --- ### Fintech Talents Lending ezbob Roundtable at Fintech Talents Lending 3. 0 | 24 Feb 2021 Virtual round table: 50 Shades of Digital Lending, a peer-to-peer discussion led by Marc Philippo, VP Sales @ ezbob, covers the varying degrees of digital transformation and how to achieve continuous improvement. https://www. youtube. com/watch? v=zl1MAp6W3Pg --- ### A silver lining for lending A silver lining for lending - FTT Chat with Tomer Guriel In this chat, Tomer Guriel Co-Founder and CEO @ ezbob discusses the new relationships being formed by banks and SMEs, creating an Amazon or Netflix experience for customers, and whether the global pandemic has been ‘good’ for the lending... --- ### EzBob Panel at Fintech Talents Lending ezbob Panel at Fintech Talents Lending 3 0 Decisions powered by Data Panel Discussion: “Decisions Powered by Data” explored how Open Banking/Finance is enabling personalized services, dealing with risk, and combating fraud. - Yaron Shoshani, CTO @ Ezbob - Andy Piggott, Head of Lending @Metro Bank - Tom Renwick, Business... --- ### Data automation - ezbob and Finextra Webinar How to accelerate digital lending with data automation - ezbob and Finextra Webinar | 25 Feb 2021 This webinar focuses on how business lending is changing due to digital transformation and accelerated by Covid-19. Many years of digital transformation has taken place in the space of just a few months... --- ### Ezbob digital lending events in Feb - Finextra and FTT Lending 3.0 Want to see Ezbob live in action? This month you have two opportunities: 1. Fintech Talents (FTT) Lending 3. 0 on 24 February - register here 2. Finextra Webinar on 25 February at 15:00 GMT - register here More on FTT Lending 3. 0 If you’re involved with digital lending... --- ### Conquer the New World of Risk Download the White Paper on Conquering Risk Key takeaways: 30X the man-hours needed for manual processing versus Ezbob’s Smart Onboarding Increased profitability and ability to generate lending portfolios in an automated or semi-automated manner >4,000 variables collected from multiple sources to determine risk How can banks conquer the new world... --- ### Smarter onboarding in lending Bringing Smarter Onboarding to the Lending Sector Key takeaways: Banks and non-financial institutions are increasingly turning to agile fintechs in abide to boost their product range and service offering. One key benefit of adopting smart onboarding technology is that it allows banks to onboard customers more efficiently, driving down the... --- ### Building SME Relationships Post-Pandemic Banking in Transition Episode 1: Building SME Relationships post-pandemic Tomer Guriel, co-founder and CEO of ezbob, talks to The Banker’s Kimberley Long about how SME lending may change in the future, and how digital transformation will progress this. --- ### ‘Banks should deliver the same experience as Amazon and Netflix’, says Ezbob CEO This article originally appeared on CityAM. To download the article, click here. After a year that was hugely disrupted by Covid-19 and the entire economy and its workforce moved online, City A. M. sat down with Tomer Guriel, CEO of Mayfair-based Ezbob, which provides digital lending software to some of... --- ### 4 drivers fueling digital lending In the last few years, new digital lending models have emerged around the world and this trend has been hastened by the COVID-19 pandemic. The movement has been spearheaded by fintechs but traditional lenders are following suit as they seek to challenge the challenger banks and remain competitive. Several drivers... --- ### Helping British Business to Bounce Back - Metro Bank Case Study How ezbob helped Metro Bank one of the UK’s highly regarded challenger banks implement their SME lending platform To embark on a digital, automated Platform for quicker approval times and a highly efficient solution to best fit the high-level demand and expectations of SMEs. The case study covers the result... --- ### Innovation in the Digital Post-Covid World - Intesa Sanpaolo Download the Intesa Sanpaolo Case Study Intesa Sanpaolo is the leading Italian bank Smart Lending for SME lending projects with ezbob. To stay ahead of the competition with innovative technology, and strive to capture emerging market trends ahead of time, while resolving internal issues such as processing time, and how... --- ### Esme Loans 300% Growth Download the Esme Loans Case Study Founded in 2016 with the backing of NatWest, Esme Loans, a digital lending platform for the UK’s SMEs, was conceived by a NatWest innovation cell in response to the rise in alternative lending fuelled by new and innovative technologies. The case study covers how... --- ### Ezbob Win Best Technology Partner at Lending Awards 2020 This week, Ezbob won the Best Technology Partner award at the Lending Awards 2020. As the only awards programme covering the mortgage, commercial and alternative lending industries, the Lending Awards recognised outstanding achievement across all three verticals, in a year that all lenders have been working under exceptional pressure. The... --- ### How Banks Can Accelerate Customer Acquisition by Simplifying the Application Process Today people are expecting the same ease-of-use and convenience that tech leaders such as Amazon and Google provide them in their everyday lives. How they interact with financial services providers is no different. Yet the abundant evidence is that most banks have a long way to go before they can... --- ### COVID-19 has Spiked Unmet Demand for SME Lending – How the UK Government’s BCR Programme is Helping Across the UK 360,000 SMEs loans have been rejected and the loans approved, were 30% below pre-COVID averages – BCR can help. COVID-19 is reshaping the world as we know it, and this includes the lending sector. The UK’s small and medium-sized enterprises (SMEs) - the backbone of the country’s... --- ### Pioneering ‘lending-as-a-service’ in the UK Yaron Shoshani - CTO of ezbob on pioneering the ‘lending-as-a-service’ in the UK Yaron Shoshani is the CTO of ezbob which is a UK based software provider for banks and other financial institutions and a pioneer in the rapidly growing ‘lending-as-a-service’ (LaaS) sector. --- ### Interview: Digital transformation in small business lending Axis Corporate have produced a podcast interview on Digital Transformation in Small Business Lending. In this episode, they talk to Yaron Shoshani, Chief Technology Officer at ezbob. Yaron shares his view on why the banking industry is going fully digital in small business lending, how business onboarding will change post... --- ### Digital transformation in small business lending Interview: Digital transformation in small business lending Axis Corporate have produced a podcast interview on Digital Transformation in Small Business Lending. In this episode, they talk to Yaron Shoshani, Chief Technology Officer at ezbob. Yaron shares his view on why the banking industry is going fully digital in small business... --- ### ezbob awarded £2.5m BCR’s Pool E funding ezbob, an established technology provider that powers the digital SME lending for Tier 1 financial institutions has today announced that it has been awarded £2. 5m as part of the BCR’s (Banking Competition Remedies) £20m Pool E grant which it applied for in July. Tomer Guriel, Founder and CEO at... --- ### ezbob technology delivers £1b+ to UK SMEs during June and July The impact of the Coronavirus has had a profound effect on small businesses with emergency funding being at its most critical. It has shone a glaring spotlight on the finance sector to do its part in keeping thousands of small businesses afloat. It has also provided an opportunity for financial... --- ### Lending Post Covid-19: New Data Sources and Technologies Coronavirus is changing the world, and this includes people’s financial behaviour. Lenders need to understand this new operating environment, and to do this they must tap into the new data sources and technologies that are on offer. The Covid-19 pandemic has profoundly impacted the finances of both UK consumers and... --- ### Things to Consider – Digitising your SME Lending Customer Journey We interview Tomer Guriel (CEO and Founder, ezbob) and Yaron Shoshani (CTO, ezbob) on key questions around digitising SME lending. Guriel is the founder of ezbob and Shoshoni has been with the business since its inception when ezbob was a direct lender to small businesses in the UK from 2011... --- ### ezbob Submits Bid for Part of BCR’s £100m Pool E ezbob, an established technology provider that powers the digital SME lending arm of several UK banks has today announced that it has submitted its proposal for part of the BCR’s (Banking Competition Remedies) £100m Pool E. Tomer Guriel, Founder and CEO at ezbob, said: "We are delighted to submit a... --- ### Contagion boosts the case for creditR The world’s economy has taken a major hit. With millions more businesses and individuals needing to access finance to mitigate the recessionary effects of Covid-19, lenders need to adapt to the new world by adopting new model methodologies that better estimate credit risk. Whilst the public health crisis created by... --- ### ezbob selected for Financial NewTech Watchlist 2020 Efma and Capgemini have selected ezbob for the Financial NewTech Watchlist 2020. The Financial NewTech 2020 Watchlist was unveiled on May 28 during the Financial NewTech Challenge 2020 online ceremony. Hosted on the FinTechVisor portal, this challenge aimed to recognize the most innovative financial NewTechs and identify the most inspiring collaborative projects between NewTechs... --- ### The crucial role of fintechs in the battle against COVID-19 The UK’s fintechs are stepping up amidst the COVID-19 crisis, rapidly creating new solutions to ease the financial pressure for customers. This will only further strengthen the new dynamic of collaboration between banks and fintechs. Banks are now comfortable collaborating, rather than competing, with fintechs. One of the main attractions... --- ### ezbob announced as finalists in Financial NewTech Challenge 2020 ezbob are Finalists for the Financial NewTech Challenge 2020. Out of the 70 nominees, 7 winners will be unveiled during the online Ceremony on 28 May. The challenge is powered by FinTechVisor, a global platform that enables FinTechs, InsurTechs, RegTechs and Financial NewTechs to showcase their solutions as well as empowering an... --- ### How the UK’s ‘Big Five’ banks are handling CBILS applications The UK’s SME community continues to be hit hard by the effects of the unprecedented COVID-19 lockdown. As social distancing measures are further extended into May 2020, we take a look at how five of the biggest banks are handling the spike in CBILS applications. The Coronavirus Business Interruption Loan... --- ### CFO Interview: The Secret to Working with the Big Banks This article first appeared on Soldo. com. Ben is the Chief Financial Officer at ezbob, heading up financial servicing and strategy for one of the leading startups in the lending-as-a-service (LaaS) sector. ezbob helps banks and financial institutions optimise and automate their lending processes. We discuss automation in the time... --- ### ezbob launches CBILS Smart Onboarding engine ezbob, a leader in the Lending-as-a-Service (LaaS) sector, has today announced that it has launched a CBILS eligibility and credit assessment engine to help get funds to SMEs urgently. According to the BBC “just 1. 4% of enquiries are thought to have made through the scheme”. The solution has been... --- ### Five ways lending technology can help banks navigate COVID-19 The global economy has been hit hard by the coronavirus pandemic, with SMEs and entrepreneurs struggling to access the funds needed to maintain their cashflow. The CBILS initiative has been set up in the UK to help small businesses but it has been beset with problems and has created a... --- ### Are banks prepared for the battle with big tech? Until recently, it was the fintechs keeping the banks up at night. But as the incumbent-fintech dynamic moves from disruption to collaboration, the threat of big tech is growing. Fresh research from Barclays highlights the fact that fintechs and banks are now more interested in collaboration than competition. The driver... --- ### How can UK lenders utilise the £330bn of government Covid-19 lending support? We are in unchartered waters and given the day-to-day dynamism of the global economy and political responses, it’s an increasingly worrying time for the ~5. 8 million small and medium sized businesses in the United Kingdom. To ensure UK SMEs can continue to support their ~16. 6 million employees, the... --- --- ## Glossary Posts ### Checkout Financing What is Checkout Financing? Checkout financing refers to a form of point-of-sale lending that allows consumers to access credit or installment payment options directly during the online or in-store checkout process. Instead of paying the full amount upfront, shoppers can split purchases into manageable payments using financing solutions provided by... --- ### Cloud Based Banking Platform What is a Cloud-Based Banking Platform? A cloud-based banking platform is a digital infrastructure that enables financial institutions to manage banking operations using cloud computing technology. Unlike traditional on-premise systems, cloud banking solutions allow banks to offer seamless, real-time financial services while reducing IT complexity and costs. A cloud-based core... --- ### Core Banking What is Core Banking? Core banking refers to the centralized digital infrastructure that enables banks to manage their day-to-day financial operations and customer accounts in real time. A core banking system allows banks to handle deposits, loans, payments, and account management through a unified platform, ensuring seamless transactions across branches... --- ### KYC Check What is a KYC Check? A KYC check (Know Your Customer check) is the process financial institutions use to verify the identity of their customers before opening an account or approving financial transactions. It is a key component of anti-money laundering (AML) regulations, ensuring that banks and lenders prevent fraud,... --- ### Instant Credit Decisioning What is Instant Credit Decisioning? Instant credit decisioning refers to the automated evaluation of a borrower’s credit application in real time, typically completed within seconds. It uses pre-defined decision rules, scoring models, and machine learning algorithms to assess risk and determine credit eligibility without manual intervention. In lending environments, this... --- ### Loan Pipeline Management What is Loan Pipeline Management? Loan pipeline management refers to the structured process financial institutions and lenders use to track, oversee, and optimize loan applications from initiation to closure. It ensures that loan officers, underwriters, and credit teams efficiently handle applications, reducing bottlenecks and improving overall lending operations. A well-managed... --- ### Credit Decisioning What is Credit Decisioning? Credit decisioning refers to the process financial institutions and lenders use to assess an applicant’s creditworthiness before approving or denying a loan or credit request. It involves analyzing financial data, credit history, and risk factors to determine whether a borrower qualifies for financing and under what... --- ### Customer Identification Program (CIP) What is a Customer Identification Program? A Customer Identification Program (CIP) is a mandatory compliance framework that financial institutions must implement to verify the identities of their customers. Required under the USA PATRIOT Act, a CIP helps prevent money laundering, fraud, and financial crimes by ensuring that banks and financial... --- ### Business Line of Credit What Is a Business Line of Credit? A business line of credit is a flexible financing option that provides businesses with access to funds up to a predetermined limit. Unlike a traditional term loan, where businesses receive a lump sum and repay it over time, a line of credit allows... --- ### Split Payments What are Split Payments? Split payments refer to a payment method where the total cost of a purchase is divided into multiple parts, allowing customers to pay using different payment methods or over time. This approach provides flexibility for consumers and businesses by enabling a mix of payment sources, such... --- ### SBA Loans What is an SBA Loan? An SBA loan is a government-backed loan program facilitated by the U. S. Small Business Administration (SBA) to support small businesses. Instead of directly lending money, the SBA partners with approved lenders to provide guarantees for loans, reducing the risk for lenders and making it... --- ### Fintech Lending What is Fintech Lending? Fintech Lending refers to the use of financial technology to provide loans more efficiently, securely, and flexibly than traditional banking methods. By leveraging automation, data analytics, and innovative platforms, fintech loans are tailored to meet the needs of individuals and businesses faster than ever. Fintech lending... --- ### Open Finance What is Open Finance? Open Finance is an extension of Open Banking, enabling the secure sharing of financial data across a broader range of financial services and products. While Open Banking focuses primarily on bank account data, Open Finance expands this access to include mortgages, savings, insurance, pensions, and investments.... --- ### Commercial Lending Software Commercial Lending Software is a digital solution designed to streamline and optimize the end-to-end lending process for banks and financial institutions. From loan origination to management, these platforms leverage automation and advanced analytics to improve efficiency, accuracy, and customer experience. What is Commercial Lending Software? Commercial lending software is a... --- ### Peer-to-Peer Business Loans What Are Peer-to-Peer (P2P) Business Loans? A peer-to-peer (P2P) business loan is an alternative financing model that connects businesses directly with investors or lenders through an online business lending platform. Unlike traditional bank loans, peer-to-peer business lending bypasses financial institutions, often resulting in faster approvals, more flexible terms, and competitive... --- ### Intelligent Document Processing for Finance (IDP) Intelligent Document Processing (IDP) leverages AI-powered tools to automate the extraction, classification, and processing of data from financial documents. By replacing manual workflows with cutting-edge technology, IDP revolutionizes how financial institutions handle large volumes of unstructured data, enabling faster decision-making and greater operational efficiency. What is Intelligent Document Processing (IDP)... --- ### White-Label BNPL (Buy-Now-Pay-Later) A White-Label Buy-Now-Pay-Later (BNPL) solution enables businesses to offer BNPL payment options under their own brand. This approach lets companies integrate flexible payment plans seamlessly into their customer journey without relying on third-party branding. By using a white-label BNPL platform, businesses maintain control over the user experience while leveraging the... --- ### Retail Financing Retail Financing refers to the practice of providing customers with financial options to purchase products or services. By offering payment plans, loans, or buy-now-pay-later schemes, retail financing enables consumers to access goods and services immediately while spreading out the cost over time. This approach has become increasingly popular, driven by... --- ### Merchant Discount Rate (MDR) The Merchant Discount Rate (MDR) refers to the fee that a merchant pays to a bank or payment processor for accepting card-based transactions. This fee is typically calculated as a percentage of the transaction amount, though it may also include a fixed charge per transaction. MDR is a vital consideration... --- ### Disbursed Funds Disbursed funds refer to money that has been released by a lender, financial institution, or payer to a recipient, such as a borrower, vendor, or employee. Once payment is disbursed, the recipient has access to the funds, which can be used for various purposes, such as paying bills, purchasing goods,... --- ### Installment Loans Installment loans are a type of loan where the borrower receives a lump sum of money upfront and repay it over time in scheduled payments, or installments. These loans are widely used for various purposes, such as personal expenses, car purchases, and home financing. What makes installment loans appealing is... --- ### POS Financing Point-of-Sale (POS) financing is a financial service that allows customers to purchase goods and services by spreading the payment over time through monthly installments, typically offered directly at the point of sale. This financing option has become increasingly popular in both physical stores and online platforms, allowing consumers to access... --- ### Contextual Finance What is Contextual Finance? As an encompassing concept, contextual finance prioritises the availability of financial products and services precisely when and where they are needed within the user's specific context, taking into consideration their current and past activities (e. g. time, location, purchase history, etc). Such a comprehensive and personalised... --- ### Banking-as-a-Service What is Banking-as-a-Service? Banking-as-a-Service (BaaS) is a financial services model that allows for the delivery of banking products and services through third parties, acting as distribution channels. As such, it represents a strategic opportunity for both neobanks and non-bank entities to seamlessly incorporate comprehensive banking services into existing product offerings... --- ### Digital Lending What is Digital Lending? Digital lending is an innovative process that utilises digital technology to originate and renew loans, automate the lending process, and improve customer experience. It involves using online platforms and software to provide loans to consumers and businesses. Advanced digital lending solutions facilitate this process, ensuring secure... --- ### Loan Management System (LMS) A Loan Management System (LMS) is a software platform designed to help financial institutions manage the entire loan lifecycle, from loan origination to repayment and closure. LMS automates and streamlines the loan process, ensuring efficiency, compliance, and better customer service. With the increasing shift toward digital solutions, online loan management... --- ### Embedded Finance What is Embedded Finance? Embedded finance refers to the integration of financial services into non-financial platforms or applications. It allows customers to access financial services without having to leave the platform or application they are already using. This integration is made possible through application programming interfaces (APIs) that connect financial... --- ### Embedded Banking The language we use to think about banking is instructive. “Banking” is usually thought as something that takes place at place: the actual physical bank. A big, heavy, expensive place of which there is only one, or at most a few of them scattered around the city. It is, at... --- ### Embedded Lending In the dynamic world of finance, embedded lending is a new concept that's gaining momentum as banks embrace it as a creative solution to a conundrum: Their desire to upgrade and digitise the lending process, while keeping existing systems secure, stable, and predictable. The success of this innovative approach to... --- ### Open Banking Open banking has drastically changed the financial landscape. It empowers businesses by giving them unprecedented control over their financial data. Companies can leverage new, innovative services by granting third-party providers access to financial information. These services include improved lending solutions, seamless payment systems, and comprehensive financial management tools. By embracing... --- ### Loan Origination System What is a Loan Origination System? A Loan Origination System (LOS) is a specialized software used by lenders and financial institutions to manage the creation, processing, and successful conclusion of a new loan application. The loan origination process refers to the steps involved in creating a new loan, from application... --- ### Digitalisation in Banking Digitalisation is the process of transforming data, information, processes, and systems into digital forms that can be accessed, stored, analysed, and shared electronically. When done well, digitalisation can enable greater efficiency, productivity, innovation, and customer satisfaction in domains from banking to business and from energy management to education. Digitalisation can... --- ### Revenue-Based Lending In the ever-evolving financial landscape, one concept that has gained significant traction is bringing together banks and fintech companies: revenue-based lending. This innovative approach to financing is reshaping how Small and Medium Enterprises (SMEs) apply for an access capital, and it's largely thanks to the rise of fintech companies ready... --- ### BNPL for Business What is BNPL for Business? BNPL (so) for Business, is a payment method that allows companies to offer their business customers the option to purchase goods or services immediately and pay for them later in instalments. This payment method has gained popularity in recent years due to its convenience and... --- ---