This infographic is based on key findings from a survey conducted at industry events for financial service professionals. The survey gathered insights from 293 participants representing 208 financial institutions. By exploring the preferences, concerns, and investment priorities of professionals in the digital lending and compliance sector, we aim to provide valuable insights that can drive innovation and success in the financial services industry.

The future of UCC management

As the landscape of UCC management evolves, financial institutions should assess their current strategies and consider integrating technology-driven solutions to enhance efficiency and accuracy. With only 5% of upper-tier professionals using manual methods, there’s a clear trend toward automation among industry leaders. The majority preference (69%) for technological solutions indicates a significant shift in how the financial sector approaches UCC management. Staying ahead in this digital age is essential for maintaining competitive advantage in the financial industry.

UCC filing methods survey findings

2025-Infographic_Survey-findings - diagram with text

Top concerns in digital lending and compliance

Key challenges and priorities shaping the digital lending landscape

Regulatory change management

$14.82M
Average cost of non-compliance in 2022, significantly higher than the average cost of compliance which was $5.47M (via Ponemon Institute and Globalscape)
Document process optimization

75%
Many professionals focus on streamlining document processes to enhance compliance and efficiency
Data analytics

60%
of financial professionals recognize that data analytics is crucial for improving the digital customer experience in financial services
Digital customer experience

30%
of professionals believe that enhancing the customer’s experience is vital in maintaining a competitive advantage in lending
AI and technology

21%
of financial professionals report that AI applications are gaining interest, but are not yet a top concern
CRA reporting priorities

20%
of large bank professionals prioritize Community Reinvestment Act (CRA) reporting more than their counterparts in community banks and credit unions
Signature gathering preferences
Exploring the trends and preferences in signature methods across the US financial sector

56% average cost saved

E-signature helps save money on hard costs (via DocuSign)

36% in-person signatures

Community bank and
credit union professionals
favor in-person signatures

25% use website

Website usage for signatures is relatively low

40% prefer DocuSign

Mid-tier bank professionals show a preference for DocuSign
Adapting to preferences
Adapting to preferences for future success
As the financial industry continues to evolve, understanding signature preferences is essential for improving workflows and client satisfaction. Institutions must adapt to these preferences, balancing traditional methods with innovative digital solutions to meet the diverse needs of their clients and stay competitive in a rapidly changing landscape.

Top tech investment by US financial institutions

artificial-intelligence
21% prioritize AI investments
Financial service professionals prioritize AI and automation, indicating a strong trend towards enhancing operational efficiency through technology
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31% emphasize digital account opening
Community bank and credit union professionals recognize its importance, showing a shift towards streamlined customer onboarding processes

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15% invest in loan origination
Financial institutions are allocating resources to improve lending processes

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AI and automation focus
Investing in automation is crucial as companies strive to improve efficiency and streamline operations across all tiers of the financial services industry
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Future trends in financial technology
As we look to the future, the financial services industry is poised for further technological advancements. Institutions are likely to continue prioritizing investments in AI, automation, and digital solutions to enhance customer experiences and operational efficiencies. The integration of these technologies will be key to maintaining a competitive edge in the evolving financial landscape.

Priorities and considerations in tech partner selection

Understanding the top factors financial professionals consider when choosing a tech partner

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31% functionality
Financial professionals prioritize product functionality when choosing tech partners

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25% ease of implementation
Ease of implementation is key, noted by 25% of professionals

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15% cost
Cost and ROI matter, highlighted by 15% of respondents

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Mid-tier banks have similar priorities
Mid-tier banks align closely with overall trends, prioritizing functionality and ease of implementation

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70% large banks prefer ease
Large banks prioritize easy implementation and maintenance in tech partners

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68% value comprehensive solutions
Community banks and credit unions prioritize comprehensive tech solutions, similar to mid-tier banks

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