The Industry has digitised. It has not integrated.

Over the last decade, lenders invested heavily in internal digitisation. Application portals improved, decisioning accelerated, automation increased. But transactions still stall.

Why? Because the constraint is no longer inside the organisation. It sits between organisations.

Smart Data is emerging, data trust frameworks are forming, and yet few lenders have operationalised them across their technology estate and partner ecosystems.

This is where Horizontal Digital Integration matters.