Independent Banker - April 2019 - 24

Leader Bank: To buy or make new features?
NOW ON DEMAND
Maximizing the
Primary Bank
Relationship
Featuring:
Al Pascual
SVP Research & Head
of Fraud & Security
Javelin Strategy &
Research
Featuring:
Karen Loftis
Director, Product
Management
Finastra
Join us to discover strategies
for making your
institution the first and
last stop for borrowers in
the era of digital lending.
Leader Bank in Boston is an innovator
when it comes to digital mortgages. It
launched its first basic offering about
five years ago.
" Five years ago, you could just kind
of use a clunky website and punch in
your information and apply, " says Jay
Tuli, executive vice president. " Now
it's much more intuitive and helps
the customer along. We also have a
mobile app now, which, for example,
allows the borrower to take a picture
of a bank statement or pay stub
and upload it. And the e-signing
capability has gotten better.
Much more of the process can be
e-signed. "
Those improvements over the
past half-decade have come partly
from third-party companies and
partly from Leader Bank itself.
" When we are thinking about a
new feature, we always first ask,
'Can we buy it?' " Tuli says. " If we
can't buy it, we ask, 'Can we build
it?' And if we build it and make
that investment, we have to be OK
doing that, knowing that someone
in the next few years will come out
with a solution. "
Tuli says that the consumer " Five
years ago,
you could just
kind of use a
clunky website
and punch in
your information
and apply.
Now it's much
more intuitive
and helps the
customer along. "
-Jay Tuli, Leader Bank
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facing elements of his system
are sourced from third parties,
because many companies have
developed that software. But
about four years ago, Leader Bank
wanted to automate the tasks
behind ordering an appraisal, and
decided to create that software
itself. It used its homemade system
for over three years until it came across a third-party system that did
the job with a more intuitive interface.
" For us, it's important to make sure we're up with the times and
we have the latest technology to make it more convenient for our
customers, the back office and the sales desk, " Tuli says.

http://www.Independentbanker.org

Independent Banker - April 2019

Table of Contents for the Digital Edition of Independent Banker - April 2019

Table of Contents
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Independent Banker - April 2019 - Table of Contents
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Independent Banker - April 2019 - Cover3
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