{"id":1684,"date":"2025-01-23T16:01:00","date_gmt":"2025-01-23T15:01:00","guid":{"rendered":"https:\/\/fino.digital\/?p=1684"},"modified":"2026-06-10T15:57:05","modified_gmt":"2026-06-10T13:57:05","slug":"digital-future-of-corporate-lending","status":"publish","type":"post","link":"https:\/\/fino.digital\/en\/digital-future-of-corporate-lending\/","title":{"rendered":"The Digital Future of Corporate Lending: Opportunities, Risks and Strategies"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1684\" class=\"elementor elementor-1684\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba61a7b e-flex e-con-boxed e-con e-parent\" data-id=\"ba61a7b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4c1bd7 elementor-widget elementor-widget-heading\" data-id=\"d4c1bd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Corporate lending is facing a digital transformation: a scientific paper shows how banks can remain fit for the future with AI, open banking and data analysis.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-612ffe2 elementor-widget elementor-widget-text-editor\" data-id=\"612ffe2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Corporate lending is at a turning point. Traditional credit processes, which are often characterized by manual procedures and outdated IT systems, can no longer meet the increasing demands for speed and digitalization. However, increasing digitalization offers banks the opportunity to fundamentally transform these processes.<\/p>\n<p>In a discussion paper written together with <a href=\"https:\/\/www.linkedin.com\/in\/prof-dr-constantin-schubart-384ab517\/\" target=\"_blank\" rel=\"noopener\">Prof. Dr. Constantin Schubart<\/a> from <a href=\"https:\/\/www.iu.de\/\" target=\"_blank\" rel=\"noopener\">IU<\/a>, International University of Applied Sciences, our Head of Product <a href=\"https:\/\/psd2-openbanking.de\/\" target=\"_blank\" rel=\"noopener\">fino analytics<\/a>, <a href=\"https:\/\/www.linkedin.com\/in\/ruven-henkler-b6845415b\/\" target=\"_blank\" rel=\"noopener\">Ruven Henkler<\/a>, analyzes the challenges and opportunities of digital credit processes. The paper sheds light on how APIs, AI-based analytics and modular IT architectures can help banks make faster and more accurate credit decisions &#8211; while meeting regulatory requirements.<\/p>\n<p>Data analytics not only opens up new ways for banks to digitize, automate and proactively manage risk, but also strengthens the relationship with business customers through improved transparency and tailored solutions.<\/p>\n<p><a href=\"https:\/\/fino.digital\/\">fino digital<\/a> is a pioneer in the field of open banking and recognized early on that the analysis of financial data is the key to success in the entire financial sector. Our credit analysis solutions for business and private customers offer outstanding data quality. They enable banks to evaluate their customers holistically and make fast, accurate credit decisions in a way that helps banks to increase their competitiveness in the long term.<\/p>\n<p>Read the full paper and find out how <a href=\"https:\/\/fino.digital\/\">fino digital<\/a> accompanies banks on their way into the digital future!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7990a8 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"f7990a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/fino.digital\/wp-content\/uploads\/2025\/01\/DP_BUSINESS_2024_Henkler_qfbnfx.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read the discussion paper here<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6491247 e-flex e-con-boxed e-con e-parent\" data-id=\"6491247\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d41c8b7 e-con-full e-flex e-con e-child\" data-id=\"d41c8b7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d34cf8b elementor-widget elementor-widget-heading\" data-id=\"d34cf8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">WOULD YOU LIKE TO FIND OUT MORE ABOUT US?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08693be elementor-widget elementor-widget-text-editor\" data-id=\"08693be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We are happy to advise you and look forward to getting to know you!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8eff929 e-con-full e-flex e-con e-child\" data-id=\"8eff929\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-9de1fd9 e-con-full e-flex e-con e-child\" data-id=\"9de1fd9\" data-element_type=\"container\" data-e-type=\"container\" 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class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Ruven Henkler<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f78beb0 elementor-widget elementor-widget-heading\" data-id=\"1f78beb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Director Business Unit<br>\nfino.analytics<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36c78877 elementor-shape-circle elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"36c78877\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper 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analysis.<\/p>\n","protected":false},"author":4,"featured_media":1685,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[39],"tags":[],"class_list":["post-1684","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fino-analytics-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/posts\/1684","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/comments?post=1684"}],"version-history":[{"count":6,"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/posts\/1684\/revisions"}],"predecessor-version":[{"id":3000,"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/posts\/1684\/revisions\/3000"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/media\/1685"}],"wp:attachment":[{"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/media?parent=1684"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/categories?post=1684"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fino.digital\/en\/wp-json\/wp\/v2\/tags?post=1684"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}