Moving from decision management to decision intelligence
New Celent research explores how lenders are evolving their decisioning capabilities to support faster, more intelligent and more adaptable lending.
Across consumer, mortgage and business lending, financial institutions are increasing their focus on automation, data, AI and decisioning technology. Discover where lenders are investing, how adoption of decision intelligence is expected to evolve and the capabilities they see as critical to future-ready decisioning.
Perspectives from lenders across three major markets
Celent surveyed financial institution executives working across lending, credit, fraud, IT and risk management in the United States, United Kingdom and Brazil to understand the current state and future direction of enterprise decision intelligence in lending.
What the research reveals
Celent’s research points to growing adoption of decision intelligence platforms across consumer, mortgage and business lending, spanning origination, decisioning and collections. At the same time, significant opportunities for further automation remain, particularly in mortgage and small business lending.
Explore Celent’s analysis of:
- The role of data, explainability and auditability in trusted AI
- Opportunities to increase automation across lending
- The shift from decision management to decision intelligence
- Decision intelligence platform adoption through 2028
- Investment priorities for data and lending processes
- The platform capabilities lenders value most
Key takeaways
1. Adoption is accelerating
Celent forecasts decision intelligence platform adoption will increase across all loan types by 2028, with consumer lending and mortgages seeing particularly strong growth.
2. Decision intelligence is moving further into the enterprise
Use of decision intelligence platforms is expanding across loan types and across origination, decisioning and collections.
3. Data remains fundamental
Improving data management is the leading IT investment priority identified by lenders for decision intelligence, alongside improving lending processes.
4. Flexibility and trust matter
Lenders identify platform flexibility as critical to future-proofing decisioning. Data, explainability and auditability are also central to building trust in AI-enabled decisions.
See how lenders are approaching automation, data, AI and decisioning platforms, and the priorities shaping investment through 2028.
