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Blogs
Ramani Balakrishnan

TRID is almost here- are the mortgage lenders ready?

- are your product vendors ready ? - if you are moving from one LOS to another, are u making changes in both LOS? -are you sure your product vendor will support all loan types? -how do you collaborate...

18 May 2015
Financial Services Regulation
Ramani Balakrishnan

fee and revenue by lending other's money

With P2P lending hitting high in industry, banks should jump faster to tae advantage this- innovative ideas flexi loans and flexi deposits - letting lender-customers and borrower-customers decide the...

09 Feb 2015
Innovation in Financial Services
Ramani Balakrishnan

Should we go digital all the way?

For the last few years see every stakeholder in every industry is pushing for digital, digitization with their own agenda citing various benefits such as productivity improvement, reduced cost of oper...

04 Feb 2015
Innovation in Financial Services
Ramani Balakrishnan

Should banks keep changing their IT systems with regulatory changes?

During my discussions with analysts , I observed that various retail banks especially mortgage lenders struggling with implementation of new regulations in their IT systems. Especially if you have a t...

29 Jan 2015
Ramani Balakrishnan

Back to Non Banking Lenders!

With Quicken replacing Bank of America , gaining third place in top 10 residential lenders couple of years ago, signalling the era of non-banking lenders to start all over. PHH always tried to be in...

27 Jan 2015

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