# ezbob > Discover the latest insights and news about, embedded finance solutions, banking and lending business from ezbob experts. --- ## 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. - [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. - [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. - [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! - [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 - [IBS Intelligence Podcat - the Hybrid Model](https://www.ezbob.com/ibs-intelligence-podcat-the-hybrid-model/): SMEs drive the economy, and providing efficient and profitable financing for them is on every bank's agenda. - [How Modular Lending Technology Empowers Banks to Scale Efficiently](https://www.ezbob.com/modular-lending-technology/): Read our expert's blog post and find more about "How Modular Lending Technology Empowers Banks to Scale Efficiently". - [AI Automated Credit Decisioning: Boost Approval Speed and Lower Bad Debt in 2025](https://www.ezbob.com/ai-automated-credit-decisioning/): Learn how AI automated credit decisioning boosts approval speed & reduces bad debt for lenders and businesses in 2025. - [Top Ways to Reduce Loan Delinquency Using Predictive Analytics and AI](https://www.ezbob.com/top-ways-to-reduce-loan-delinquency-using-predictive-analytics-and-ai/): Read our expert's blog post and find more about "Top Ways to Reduce Loan Delinquency Using Predictive Analytics and AI". - [The Role of Automated Loan Processing Systems in Modern Lending](https://www.ezbob.com/automated-loan-processing/): Discover how automated loan processing systems enhance efficiency, accuracy, and speed in today’s modern lending landscape. - [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/): Read our expert's blog post and find more about "The 5 Essential Pillars of The Bank Secrecy Act". - [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. - [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. - [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 - [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 - [10 Groundbreaking Embedded Lending Trends Set to Redefine 2025](https://www.ezbob.com/embedded-lending-trends/): Read our expert's blog post and find more about "10 Groundbreaking Embedded Lending Trends Set to Redefine 2025". - [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/the-digital-banker-innovation-series-an-exclusive-interview-with-tomer-guriel/): Read our expert's blog post and find more about "The Digital Banker Innovation Series: An exclusive interview with Tomer Guriel". - [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/): Read our expert's blog post and find more about "Lending to Sole Traders and Micro-Businesses: Thriving Amid Economic Challenges". - [Cloud Lending: Benefits, Architecture & Best Practices](https://www.ezbob.com/cloud-lending-benefits-architecture-best-practices/): Read our expert's blog post and find more about "Cloud Lending: Benefits, Architecture & Best Practices". - [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/): Read our expert's blog post and find more about "ezbob Wins Best SaaS Provider of the Year at the Global BankTech Awards 2024". - [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/): Read our expert's blog post and find more about "ezbob Announces Galia Goldstein as New Chief Product Officer". - [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/): Read our expert's blog post and find more about "Digital Lending Operations in 2024: What You Need to Know". - [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/): Read our expert's blog post and find more about "The Secret to Segmentation for SME Loan Applications". - [Servicing SME Customers Through Embedded Lending](https://www.ezbob.com/servicing-sme-customers-through-embedded-lending/): Read our expert's blog post and find more about "Servicing SME Customers Through Embedded Lending". - [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/): Read our expert's blog post and find more about "Why Banks Must Look Beyond Credit Bureaus to Assess Risk". - [The Importance of an Efficient Merchant Onboarding Process](https://www.ezbob.com/the-importance-of-an-efficient-merchant-onboarding-process/): Read our expert's blog post and find more about "The Importance of an Efficient Merchant Onboarding Process". - [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/): Read our expert's blog post and find more about "Understanding the Benefits of a Loan Origination System for Financial Institutions". - [Embedded Finance Presents Ambitious Brands with a Huge Growth Opportunity](https://www.ezbob.com/embedded-finance-growth-opportunity/): Read our expert's blog post and find more about "Embedded Finance Presents Ambitious Brands with a Huge Growth Opportunity". - [The Importance of Embedded Finance Solutions for Business Success](https://www.ezbob.com/the-importance-of-embedded-finance-solutions-for-business-success/): Read our expert's blog post and find more about "The Importance of Embedded Finance Solutions for Business Success". - [Embedded Banking: Disrupting Traditional Banking Models with Seamless Integration](https://www.ezbob.com/embedded-banking-disrupting-traditional-banking-models-with-seamless-integration/): Read our expert's blog post and find more about "Embedded Banking: Disrupting Traditional Banking Models with Seamless Integration". - [Discount Bank and ezbob set up fintech co Greenlend](https://www.ezbob.com/greenlend-jv-discountbank/): Read our expert's blog post and find more about "Discount Bank and ezbob set up fintech co Greenlend". - [Open Banking in the US – The State of Play](https://www.ezbob.com/open-banking-in-the-us/): Read our expert's blog post and find more about "Open Banking in the US – The State of Play". - [The Future of Credit Decisioning - Big Data Initiatives](https://www.ezbob.com/big-data-initiatives/): Read our expert's blog post and find more about "The Future of Credit Decisioning - Big Data Initiatives". - [The Future of Credit Decisioning](https://www.ezbob.com/the-future-of-credit-decisioning/): Read our expert's blog post and find more about "The Future of Credit Decisioning". - [Winning the Post-pandemic Customer Acquisition Marathon](https://www.ezbob.com/winning-the-post-pandemic-customer-acquisition-marathon/): Read our expert's blog post and find more about "Winning the Post-pandemic Customer Acquisition Marathon". - [Boosting Profitability by Minimising Customer Friction](https://www.ezbob.com/boosting-profitability-by-minimising-customer-friction/): Read our expert's blog post and find more about "Boosting Profitability by Minimising Customer Friction". - [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/): Read our expert's blog post and find more about "We’ve re-engineered our platform in response to the changing digital banking landscape". - [ezbob Wins Awards in Credit and Innovation](https://www.ezbob.com/ezbob-wins-awards-in-credit-and-innovation/): Read our expert's blog post and find more about "ezbob Wins 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/): Read our expert's blog post and find more about "What do US customers really want from their banking providers?". - [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/): Read our expert's blog post and find more about "US financial institutions embrace digital transformation in the wake of COVID-19". - [Matching the Challenger Banks in Digital SME Lending](https://www.ezbob.com/matching-the-challenger-banks-in-digital-sme-lending/): Read our expert's blog post and find more about "Matching the Challenger Banks in Digital SME Lending". - [Pioneering Innovative Partnerships](https://www.ezbob.com/how-to-accelerate-digital-lending-with-data-automation/): Read our expert's blog post and find more about "Pioneering Innovative Partnerships". - [Watch On-Demand Ezbob at Fintech Talents Lending 3.0](https://www.ezbob.com/watch-on-demand-ezbob-at-fintech-talents-lending-3-0/): Read our expert's blog post and find more about "Watch On-Demand Ezbob at Fintech Talents Lending 3.0". - [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/): Read our expert's blog post and find more about "Navigating the dominance of Tier 1 banks in UK SME lending". - [Fintech Talents Lending](https://www.ezbob.com/fintech-futures-virtual-arena-ezbob-profile/): Read our expert's blog post and find more about "Fintech Talents Lending". - [A silver lining for lending](https://www.ezbob.com/ftt-clinic-on-demand/): Read our expert's blog post and find more about "A silver lining for lending". - [Data automation - ezbob and Finextra Webinar](https://www.ezbob.com/ftt-panel-on-demand/): Read our expert's blog post and find more about "Data automation - ezbob and Finextra Webinar". - [EzBob Panel at Fintech Talents Lending](https://www.ezbob.com/ftt-roundtable-on-demand/): Read our expert's blog post and find more about "EzBob Panel at Fintech Talents Lending". - [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/): Read our expert's blog post and find more about "Ezbob digital lending events in Feb - Finextra and FTT Lending 3.0". - [Smarter onboarding in lending](https://www.ezbob.com/?p=829): Download the White Paper: Bringing Smarter Onboarding to the Lending Sector - [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? - [Building SME Relationships Post-Pandemic](https://www.ezbob.com/banking-in-transition-podcast/): Read our expert's blog post and find more about "Building SME Relationships Post-Pandemic". - [‘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/): Read our expert's blog post and find more about "‘Banks should deliver the same experience as Amazon and Netflix’, says Ezbob CEO". - [4 drivers fueling digital lending](https://www.ezbob.com/4-drivers-fuelling-digital-lending/): Read our expert's blog post and find more about "4 drivers fueling digital lending". - [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 - [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 - [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 - [Ezbob Win Best Technology Partner at Lending Awards 2020](https://www.ezbob.com/ezbob-win-best-technology-partner-at-lending-awards-2020/): Read our expert's blog post and find more about "Ezbob Win Best Technology Partner at 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/): Read our expert's blog post and find more about "How Banks Can Accelerate Customer Acquisition by Simplifying the Application Process". - [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/): Read our expert's blog post and find more about "COVID-19 has Spiked Unmet Demand for SME Lending – How the UK Government’s BCR Programme is Helping". - [Pioneering ‘lending-as-a-service’ in the UK](https://www.ezbob.com/pioneering-lending-as-a-service-in-the-uk/): Read our expert's blog post and find more about "Pioneering ‘lending-as-a-service’ in the UK". - [Interview: Digital transformation in small business lending](https://www.ezbob.com/interview-digital-transformation-in-small-business-lending/): Read our expert's blog post and find more about "Interview: Digital transformation in small business lending". - [Digital transformation in small business lending](https://www.ezbob.com/interview-digital-transformation-in-small-business-lending-2/): Read our expert's blog post and find more about "Digital transformation in small business lending". - [ezbob awarded £2.5m BCR’s Pool E funding](https://www.ezbob.com/ezbob-awarded-2-5m-bcrs-pool-e-funding/): Read our expert's blog post and find more about "ezbob awarded £2.5m BCR’s Pool E funding". - [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/): Read our expert's blog post and find more about "ezbob technology delivers £1b+ to UK SMEs during June and July". - [Lending Post Covid-19: New Data Sources and Technologies](https://www.ezbob.com/lending-post-covid-19-new-data-sources-and-technologies/): Read our expert's blog post and find more about "Lending Post Covid-19: New Data Sources and Technologies". - [Things to Consider – Digitising your SME Lending Customer Journey](https://www.ezbob.com/things-to-consider-digitising-your-sme-lending-customer-journey/): Read our expert's blog post and find more about "Things to Consider – Digitising your SME Lending Customer Journey". - [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/): Read our expert's blog post and find more about "ezbob Submits Bid for Part of BCR’s £100m Pool E". - [Contagion boosts the case for creditR](https://www.ezbob.com/contagion-boosts-the-case-for-creditr/): Read our expert's blog post and find more about "Contagion boosts the case for creditR". - [ezbob selected for Financial NewTech Watchlist 2020](https://www.ezbob.com/ezbob-selected-for-financial-newtech-watchlist-2020/): Read our expert's blog post and find more about "ezbob selected for 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/): Read our expert's blog post and find more about "The crucial role of fintechs in the battle against COVID-19". - [ezbob announced as finalists in Financial NewTech Challenge 2020](https://www.ezbob.com/ezbob-announced-as-finalists-in-financial-newtech-challenge-2020/): Read our expert's blog post and find more about "ezbob announced as finalists in 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/): Read our expert's blog post and find more about "How the UK’s ‘Big Five’ banks are handling CBILS applications". - [CFO Interview: The Secret to Working with the Big Banks](https://www.ezbob.com/cfo-interview-the-secret-to-working-with-the-big-banks/): Read our expert's blog post and find more about "CFO Interview: The Secret to Working with the Big Banks". --- ## Glossary Posts - [Captive Finance](https://www.ezbob.com/glossary/captive-finance/): Discover what captive finance is, how it works, and explore key use cases for businesses seeking tailored financing solutions. - [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. - [Credit Decisioning](https://www.ezbob.com/glossary/credit-decisioning/): Discover what credit decisioning is, explore its steps, and learn the benefits of making smarter, data-driven lending decisions. - [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. - [Neobank](https://www.ezbob.com/glossary/neobank/): Discover what a neobank is, its role in digital banking, and how it works to deliver seamless, online financial services. - [Payment Aggregator](https://www.ezbob.com/glossary/payment-aggregator/): Learn what a payment aggregator is, its key benefits, and real-world use cases for simplified and secure online transactions. - [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. - [Checkout Financing](https://www.ezbob.com/glossary/checkout-financing/): Learn about checkout financing, its key benefits, and the latest trends shaping flexible payment options for online shoppers. - [Instant Credit Decisioning](https://www.ezbob.com/glossary/instant-credit-decisioning/): Explore instant credit decisioning: how it works, its benefits, and why it streamlines approvals for faster, easier lending. - [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. - [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. - [Composable Banking](https://www.ezbob.com/glossary/composable-banking/): Learn about checkout financing, its key benefits, and the latest trends shaping flexible payment options for online shoppers. - [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. - [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. - [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. - [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. - [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. - [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. - [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. - [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. - [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. - [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. - [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. --- # # Detailed Content ## Pages --- ## Posts Greenlend is a joint venture between Israel Discount Bank and ezbob, leveraging the latterr’s tech to offer flexible and immediate solutions in the consumer credit sector as well as credit for small businesses. Tomer Guriel, Co-Founder & CEO of ezbob , & Shani Federman Terem, CEO of Greenlend unpack the... --- Don't have time to read? Listen instead! Your browser does not support the audio element. Key Takeaways Modular lending technology enables banks to build scalable, flexible, and future-ready lending infrastructures. Platforms can be adapted to different lending types, including point of sale and mortgage, without full system overhauls. Smaller lenders... --- Don't have time to read? Listen instead! Your browser does not support the audio element. Key Takeaways Automated credit decisioning accelerates the loan approval process and reduces manual errors. AI credit decisioning enables real-time risk assessment using adaptive models and alternative data. Lenders adopting automated credit decisioning systems can lower... --- Don't have time to read? Listen instead! Your browser does not support the audio element. Common Causes of Delinquent Loan Payments Loan delinquency refers to a situation where a borrower fails to make scheduled payments on a loan. In banking and finance, managing delinquency is a critical component of credit... --- Don't have time to read? Listen instead! Your browser does not support the audio element. What is Automated Loan Processing? Automated loan processing refers to the use of digital systems and decisioning tools to manage and streamline the steps involved in originating, underwriting, and disbursing loans. Traditional lending often relies... --- Don't have time to read? Listen instead! Your browser does not support the audio element. 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... --- Don't have time to read? Listen instead! Your browser does not support the audio element. 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... --- Don't have time to read? Listen instead! Your browser does not support the audio element. 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,... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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. --- 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:... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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. --- 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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. (more... ) --- 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... ) --- 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... --- 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 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.... --- 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... --- 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... --- In our fast-paced digital world, businesses must adapt to stay relevant, and embedded finance solutions are quickly becoming crucial for achieving business success. (more... ) --- 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.   (more... ) --- 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 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 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. (more... ) --- 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. (more... ) --- New customer acquisition is much like running a marathon. What counts is getting to the finishing line and a signed agreement. (more... ) --- 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. (more... ) --- 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. (more... ) --- ezbob have won two awards in credit and innovation! (more... ) --- This article first appeared on Finextra. (more... ) --- 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. (more... ) --- (This post first appeared on Finextra) (more... ) --- 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... --- In February, Ezbob were speakers at FinTech Talent’s Lending 3. 0, the conference completely dedicated to exploring the next generation of digital lending. (more... ) --- 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... --- 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 - 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... --- 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 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... --- Want to see Ezbob live in action? This month you have two opportunities: (more... ) --- 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... --- 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... --- 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. --- This article originally appeared on CityAM. To download the article, click here. (more... ) --- 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. (more... ) --- 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... --- 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... --- 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... --- This week, Ezbob won the Best Technology Partner award at the Lending Awards 2020. (more... ) --- 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... --- Across the UK 360,000 SMEs loans have been rejected and the loans approved, were 30% below pre-COVID averages – BCR can help. (more... ) --- 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. --- Axis Corporate have produced a podcast interview on Digital Transformation in Small Business Lending. (more... ) --- 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, 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. (more... ) --- 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... --- 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. (more... ) --- We interview Tomer Guriel (CEO and Founder, ezbob) and Yaron Shoshani (CTO, ezbob) on key questions around digitising SME lending. (more... ) --- 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. (more... ) --- 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. (more... ) --- Efma and Capgemini have selected ezbob for the Financial NewTech Watchlist 2020. (more... ) --- 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. (more... ) --- ezbob are Finalists for the Financial NewTech Challenge 2020. (more... ) --- 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. (more... ) --- This article first appeared on Soldo. com. (more... ) --- --- ## Glossary Posts What is Captive Finance? Captive finance refers to a financial service structure where a company creates a dedicated finance arm to offer loans or credit to its customers. Unlike traditional third-party lenders, captive finance companies are owned or operated by the parent company that manufactures or sells the underlying product... --- 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... --- 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... --- 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... --- What is a Neobank? A neobank is a type of financial institution that operates entirely online without a physical branch network. Sometimes referred to as digital-only banks or challenger banks, neobanks offer a range of financial services through mobile apps or web platforms. These services typically include current accounts, savings... --- What is a Payment Aggregator? A payment aggregator is a service provider that enables merchants to accept online payments without setting up their own individual merchant accounts with each acquiring bank. Also known as a merchant aggregator, this model simplifies the onboarding process for businesses by allowing multiple merchants to... --- 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... --- 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... --- 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... --- 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,... --- 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... --- What is Composable Banking? Composable banking refers to a modular approach to designing and delivering financial services. Instead of relying on a single, rigid core system, composable banking enables financial institutions to build their own technology stack by selecting and assembling components such as onboarding, credit scoring, payments, and loan... --- 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... --- 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... --- 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... --- 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... --- 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 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... --- 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 (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)... --- 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 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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,... --- 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... --- 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... --- 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... --- 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... --- 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... --- 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 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... --- 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... --- ---