The era of the branch-based loan is over. Borrowers now expect instant, digital-first financing across every channel. Fintechs set the bar, but Yaacov Martin, CEO and Founder of Jifiti, explains why the real opportunity for banks lies in distribution optionality.
By blending owned digital channels, white-label seller integrations, and strategic vertical partnerships, banks can meet customers where they need credit most – whether during a home renovation, at a healthcare provider, or inside business software.
The next frontier is agentic lending, where AI agents discover, apply for, and even disburse loans. Banks that aren’t discoverable in these channels risk irrelevance.
Optionality isn’t just convenience – it’s a performance edge. Research shows omnichannel strategies increase retention by 12%, while embedded and LaaS models boost conversions from 15% to over 50%.
Read more for Yaacov Martin’s full perspective on how banks can stay competitive in the new era of lending on Finextra.
