You can’t build financial inclusion on broken systems. Access means nothing when the tools behind it don’t work. When credit data is missing, trust is shaky, and processes drag, inclusion becomes a story we tell, not a system we build. Creste exists to change that by helping credit teams build stronger, smarter systems for real financial inclusion.

🏦 Why Banks Are Quietly Watching the Rise of Property Management Technology In today’s real estate market, property is no longer enough to secure financing.Banks want data, predictability, and transparency — not just assets. That’s why financial institutions are paying close attention to technology-driven property management platforms like Good Tenants Because when a property is professionally managed: ✅ Rental income becomes predictable ✅ Asset risks are monitored in real time ✅ Tenant defaults are drastically reduced ✅ Maintenance issues are handled proactively — protecting asset value This changes everything. It means landlords with professionally managed portfolios are now more likely to access better lending terms, lower interest rates, and higher credit approval—because the asset is no longer seen as a risk, but as a controlled financial instrument. Banks don’t lend based on property value alone… They lend based on assurance of future cash flow. That’s the power of real estate + finance powered by management technology. Good Tenants isn’t just managing properties. We’re increasing their bankability.We are turning properties into institution-grade financial assets. And that’s why the future of property wealth will belong to those who combine ownership + technology + financial intelligence. #RealEstateFinance #GoodTenants #BankingInnovation #AssetManagement #NigeriaInvestors #WealthStrategy #FinancialSecurity

The Cost of Delay in Valuations In lending, time kills deals. A slow valuation doesn’t just frustrate borrowers — it impacts the entire pipeline. Here’s what we see delays cause: - Borrower trust erodes when deadlines slip - Deals fall apart while waiting for numbers - Lenders miss opportunities as capital sits idle - Pipeline predictability suffers Speed matters — but not at the expense of accuracy. That’s why having a valuation process that balances efficiency + reliability is critical. The right system prevents delays from derailing deals. Get the Data. Get the tools. RicherValues #RicherValues #RealEstateLending #PropertyValuation #RenovationRisk #LTV #LenderInsights #RealEstateInvesting #RenovationBudget #RiskManagement

🏃♂️ Are you “running smarter” when it comes to borrower retention? In his latest CX Tip, STRATMOR Group’s Mike Seminari shares how benchmarking can turbo-charge servicing retention — helping lenders turn data into actionable insights and lasting borrower loyalty. Check out the full article: https://lnkd.in/gdQUYSEk #MortgageServicing #CustomerExperience #Benchmarking #BorrowerLoyalty #STRATMOR #CXTips

My CX Tip this month is all about running smarter — using benchmarking to better understand your borrowers and boost servicing retention. The best lenders aren’t just tracking numbers; they’re using those insights to create real, lasting loyalty. #MortgageServicing #CustomerExperience #Benchmarking #CXTips #STRATMORGroup

The old recovery playbook was simple: call more, collect more But it doesn’t work anymore. Borrower behaviour has changed, and so has the landscape of debt recovery. What once depended on instinct and experience now demands insight, precision, and empathy. At ClearDu, we help lenders make that shift from intuition to intelligence. Our platform uses data, behavioural patterns, and predictive analytics to understand how borrowers engage, when they are most likely to repay, and what approach works best. It’s not about chasing payments anymore. It’s about understanding people, their intent, and their capacity to repay, and turning those insights into outcomes. The result: Faster recoveries, lower costs, and stronger relationships built on trust, not pressure. The future of recovery isn’t about doing more but doing it smarter. #debtrecovery #recovery #data #clearDu

The Momentum continues! The October 2025 edition of the Lenders Cooperative Momentum Newsletter is now available. Read and download the interactive issue → https://lnkd.in/eQJRbEXt This issue captures how technology and talent are working together to redefine modern lending — featuring platform advancements, API integrations, and inspiring growth stories from Primis Bank, SECU Credit Union, Lafayette Federal Credit Union, South Shore Bank, and Hanmi Bank. Explore how lenders nationwide are driving automation, growth, and borrower experience forward.

Prepayment behavior remains a crucial factor in MSR performance, yet it poses significant modeling challenges. RiskSpan’s platform aids MSR investors and servicers by: 🔹 Precisely modeling loan-level prepayment speeds 🔹 Analyzing dynamics at the servicer and borrower levels affecting MSR value 🔹 Projecting cash flows and durations in varying rate environments 🔹 Predicting recapture rates and income with flexibility and detail Whether optimizing your MSR portfolio or managing prepay exposure, our data-driven analytics simplify complexity. Let's meet in NYC—or arrange another convenient time for you. 👉 https://gag.gl/cMjkDd #MSRNYC #MortgageServicingRights #PrepaymentModeling #MortgageAnalytics #RiskManagement #StructuredFinance #FintechInnovation

For building societies, modernising mortgages doesn’t have to mean starting from scratch. If you’re working with legacy systems, manual processes and rising expectations from both brokers and members - you’re not alone. We’ve pulled together the latest insights from across the sector to help you take the next step: 🔹 Where to start with AI and automation 🔹 How to digitise journeys without losing personal service 🔹 What’s working for other building societies right now Whether you’re looking to speed up origination, streamline back-office ops or just make things easier for your teams, we’ve got practical ideas you can build on. 👉 Explore more: https://lnkd.in/dMiPH-hd #BuildingSocieties #DigitalTransformation #Fintech #FinancialServices #Mutuals

⚡ We helped a leading UK energy provider identify £56m in collectible debt using our Financial Vulnerability Scoring (FVS). By combining bureau and demographic data with smart scoring and segmentation, our client was able to: ✅ Treat customers fairly by distinguishing genuine vulnerability from ability to pay ✅ Strengthen compliance and efficiency ✅ Improve collections performance without compromising empathy Our FVS gives organisations the insight to balance fairness and financial outcomes, driving better decisions for both customers and business. Learn more about how it can transform your collections strategy 👉 https://lnkd.in/eXh5w9mY #DataDrivenDecisions #CustomerInsight #Collections #FinancialVulnerability