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The industry is likely to witness more regulations to protect borrowers, and banks will be
held to an even higher level of scrutiny from auditors. Therefore, risk mitigation becomes
even more important due to the numerous regulations being enacted. With le nding
technology already in the market today, banks can better manage and control risk
factors, and adapt to any regulatory changes. The same technology also can provide
automated reporting functions to help bank managers access data and ensure they
remain compliant.
In general, the Internet, among other forms of media, has helped borrowers become
more educated on the lending process. This has been amplified with the credit crisis, as
more consumers want to be aware of lending issues and trends before they apply for a
loan. Thus, they are coming to lenders with more information and questions. Therefore,
it's very important that all bank employees understand current lending rules and
regulations so they can accurately and informatively address potential borrowers.
Related Resources
° ð  ðompliance
° Strengthening governance, risk and compliance in the banking industry
° Survival of the Fittest: Turning Your Financial Institution into a Lean, Mean Lending Machine

In addition, more banks and financial institutions are opening alternate lending channels,
such as online application submissions, that require the same level of compliance and
monitoring as personal, face-to-face interactions.
We don't foresee any lending outsourcing due to the availability of automated lending
solutions in the marketplace. That technology is designed to make lending processes and
employees faster, more accurate and more efficient. Therefore, banks can manage
additional loan business and issues without dramatically increasing their staff.



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