The brief investigates the key operational pain points currently facing mortgage lenders, and discusses how investment in automating the traditionally high-cost end-to-end processes should be critical part of any lender's operational excellence strategy and explores approaches institutions should take to achieve this.

• The Brief looks at end-to-end technology for mortgages in the US market.
• Explains drivers and trends in mortgage processing technology.
• Provides analysis of transformation strategies from paper based to full automated processing.

The mortgage industry is seeing challenging times with lenders seeing a cyclical shift from a high-growth industry to a low-growth, low-margin one. In an increasingly competitive market, product innovation is difficult to sustain as fsi's respond quickly to innovation so that innovation advantage is limited, however key pricing is to mortgages.

Increasing competition demands better service as well as pricing and when revenue growth is difficult, lenders must lower costs to meet profitability expectations. With lower volumes forcing lenders to keep a close eye on the cost side of the cost-income ratio, the focus is on operational efficiency, improved time-to-market and customer service.

• The brief provides in-depth research into key business and technology drivers for mortgage technology spending.
• Understand rapidly changing trends in mortgage processing technology to determine your go to market strategy.