Fintechs have redefined the lending experience with real-time decisions and seamless digital journeys, leaving traditional systems struggling to keep pace. The gap between borrower expectations and traditional capabilities is widening, and the numbers make it clear:
- 89% of borrowers expect a loan decision within one hour.
- 70% of large banks cite legacy tech as a barrier to innovation.
- 23% of lending market share has shifted to fintechs and digital-first platforms.
CGI Credit Studio for originations transforms how financial institutions onboard customers, from application through decisioning and funding. Built on a modern, event-driven architecture, it delivers real-time insights, intelligent automation and configurable workflows to streamline approvals, reduce risk and accelerate time to yes. Designed for digital-first lending, the platform enables faster, smarter originations with less effort.
Accelerate approvals with real-time insights, enhanced fraud detection and alternative data like income verification.
Deliver seamless, hyper-customized experiences with dynamic workflows and digital engagement.
Use AI and machine learning to improve credit accuracy, reduce defaults and safeguard portfolio quality.
Launch new offerings up to 90% faster with modular, low-/no-code strategy management.
Unlike many providers, CGI brings decades of credit industry expertise and a proven track record with the world’s largest lenders. With CGI, you don’t just get a modern loan origination software; you gain a strategic partner committed to your long-term success. We combine innovative, cloud-native technology with a collaborative approach to help you meet evolving borrower expectations with confidence.
- 45+ years of experience in credit management
- Trusted by 75% of the world’s top 20 banks
- $1+ million in cost rationalization through technology consolidation
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| Retail banks | Credit unions |
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| Auto finance companies | Retailers |
See how our loan origination solution, CGI Credit Studio for originations, can help you modernize your lending operations.
