Analytics In Financial Services: IT As A Strategic Enabler Of Effective Securitization

Over the last 20 years securitization has grown from a specialized and slightly esoteric funding vehicle for government-sponsored housing agencies to a primary mode of funding used by a wide range of financial services firms - from commercial banks to credit card companies to mortgage companies. Almost any financial asset, be it a consumer loan, a mortgage, a boat loan, a car loan, a credit card receivable or even trade receivables, is a potential candidate for securitization. The more standardized the financial asset (such as 30-year fixed interest mortgage), the more easily it can be securitized.

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