Commercial Loan Software Market Analysis

Enterprise Size (Large Enterprises, SMEs)

The large enterprise segment is likely to dominate commercial loan software market share of over 60% by 2037, driven by the growing complexity of financial transactions and the consequent need for a robust and scalable solution. Additionally, major financial institutions are spending lavishly on advanced loan management systems to improve operational efficiency and comply with regulatory requirements. These organizations aim to create a unified, effective, and agile framework to support and render expertise to a diverse loan portfolio. Besides, the transformation wave in the banking industry forces large conglomerates to accept newer technologies such as artificial intelligence and data analytics which will give way to the advent of automation and experience enhancement in financial services.

For instance, in January 2023, Temenos unveiled the next generation of its AI-driven Corporate Lending solution for enabling banks to streamline servicing and combine international commercial loan portfolios in which large enterprises and regional banks can experience loan lifecycle management and processing across lending lines and geographies effortless.

Deployment Mode (Cloud-based, On-Premises)

In commercial loan software market, cloud-based segment is projected to hold revenue share of more than 68% by 2037 owing to the high adoption of cloud-based solutions across financial institutions for its efficiency, flexibility, and cost-effectiveness. Financial institutions and banks are discovering means of convenience for their core operations such as fetching data and handling it securely with cloud-based platforms in real-time, to promote digital transformation.

For instance, in February 2020, Intellect Design Arena introduced Contextual Banking eXperience–Origination (CBX-O), a cloud-based, end-to-end loan origination solution to automate procedures, optimize operations, reduce operating expenses, and offer a better customer experience. It is built on modern cloud-native, cloud-agnostic, and API-first technology and is intended to provide intelligent credit decisions and uses AI and ML to aggregate data, analyze credit risk, and provide real-time contextual insights that increase productivity throughout the credit ecosystem.

Our in-depth analysis of the commercial loan software market includes the following segments: