The evolving landscape of securitisation

In June, the Loanworks team attended the Global Asset Backed Securitisation (ABS) Conference, a leading industry event that brought together participants from across the financial services landscape. Across three days of panel discussions, TED-style talks, and one-on-one meetings, the focus was on securitised funding, along with broader themes shaping global financial markets.

The conversations revealed much more than funding structures. They shed light on the growing impact of changing customer expectations, rapid technological advancements, and the need for greater operational efficiency.

Moving beyond legacy models

A consistent message from the event was that businesses are in a period of transition. Many are shifting from physical, legacy-based models to digital-first operations built on speed, flexibility, and customer empowerment. This shift is not simply about competition. It is being driven by changing demographics and customer preferences, where more individuals expect real-time, tech-enabled engagement that fits their schedule.

Despite the demand, transformation is rarely straightforward. Businesses often face the challenge of managing duplicated operations, with legacy systems continuing alongside new digital offerings. The result is inefficiency, rising costs, and operational friction.

Embracing AI and facing the real costs of innovation

To address inefficiencies, many organisations are turning to automation and artificial intelligence. These tools offer an opportunity to reduce manual tasks, accelerate data processing, and improve accuracy. However, the pace of change remains slower than expected.

One reason is that initial investment is only part of the equation. Ongoing costs include maintaining and updating digital systems, managing data quality, and strengthening cybersecurity. In particular, data protection and cyber risk mitigation have become critical considerations.

Perhaps the most significant and often overlooked factor is the cost of cultural change. New technologies require new mindsets. Without internal buy-in and strong change management, even the most advanced tools can fail to deliver their potential.

Redefining value in the digital customer journey

Another theme that emerged during the conference was the importance of digital distribution. As physical limitations decrease, organisations must find new ways to increase market reach and improve customer conversion through online channels.

This leads to a critical strategic question…

Where in the customer journey does your business create real value?

The answer is vital. Without clarity around their value proposition, businesses risk being overtaken by more agile competitors. Today’s customers are looking for solutions that are not only fast and affordable, but also emotionally intelligent and tailored to their needs. Those who cannot meet these expectations may face a declining customer base.

Preparing for what comes next

The Global ABS Conference highlighted a clear reality. Transformation is essential, not optional. Success in today’s market depends on a business’s ability to adapt, both operationally and culturally.

At Loanworks, we are committed to supporting our clients through this evolution. With expertise in workflow automation, digital infrastructure, and data management, we help financial service providers build future-ready lending environments.

Ready to explore how we can help you stay ahead? Contact our team.