Integration between leading mortgage technology providers will help lenders eliminate lengthy, frustrating paper chase to verify borrowers’ assets
SALT LAKE CITY, Utah – May 30, 2018 – Finicity, a leading provider of real-time financial data aggregation and insights, announced it has signed an integration agreement with Blue Sage Solutions, an innovative, cloud-based digital mortgage lending platform. Under terms of the agreement, Blue Sage will integrate Finicity’s Verification of Assets (VoA) solution into its multi-channel digital lending platform to accelerate the credit decisioning process for mortgage lenders.
Finicity’s credit decisioning solutions allow lenders to free up resources, improve accuracy and reduce mortgage fraud, all while giving borrowers a paperless and hassle-free experience. By partnering, Blue Sage and Finicity can provide mortgage lenders with validated insights of a borrower’s assets in seconds.
“Our goal is to find top-notch partners who are also committed to creating a frictionless experience for lenders and borrowers through a digitized process,” said Steve Smith, Finicity CEO. “We’re excited to work with Blue Sage to accelerate the process of verifying a borrower’s assets, which has traditionally been a painful paper chase that takes several days or longer.”
Blue Sage’s digital lending platform allows mortgage lenders and borrowers to collaborate together in real-time to communicate, exchange required information and track progress. Since Blue Sage operates as a cloud-based platform, both parties can access VoA reports at virtually any time during the process.
“We look forward to working with Finicity as an asset verification provider,” said Joe Langner, CEO of Blue Sage. “The company’s credit solutions align well with our mission to empower mortgage lenders with best-in-class, consumer-centric tools to achieve an excellent origination performance—every time.”
Finicity is an authorized, integrated provider of asset verification reports within Fannie Mae Desktop Underwriter® (DU®). This gives lenders a certified asset report through Fannie Mae’s Day 1 Certainty™ initiative. Finicity is also part of the Single Source Validation (SSV) pilot, meaning Fannie Mae will utilize transaction data from Finicity reports to validate assets, income and employment. A broader rollout of SSV is planned later this year and will build on Fannie Mae’s Day 1 Certainty initiative.
Finicity is also an authorized Freddie Mac asset validation report provider, and Freddie Mac and Finicity are working together on new methods to validate income from payroll deposit data from bank statements.
To stay up to date on all Finicity company and product announcements, visit www.finicity.com. For more information about Blue Sage’s products and services, visit www.bluesageusa.com.
About Finicity:
Finicity enables a financial data-sharing ecosystem that is secure, inclusive and innovative. Through its real-time financial data aggregation and insights platform, Finicity provides solutions for financial management, payments and credit decisioning in mortgage lending, while also leading the development and promotion of industry standards. The company has developed more than 16,000 bank integrations, with the vast majority through connections that provide access to formatted bank data, improving information access and accuracy. Finicity was awarded API World’s 2016 Finance API of the Year and is a 2018 HousingWire Tech100 winner. To stay up to date on all Finicity company and product announcements, visit www.finicity.com.
About Blue Sage:
Blue Sage is an innovative, cloud-based digital lending platform for retail, wholesale and correspondent lenders that provides a superior lending experience for every borrower. The company’s technology is 100% browser-based and provides end-to-end functionality for the entire lending and fulfillment process, regardless of channel. All Blue Sage solutions include mobile applications and are delivered through a secure, fully managed cloud service. The company’s technology was developed over the past four years by the founders of Palisades Technology Partners, developers of Impact, the first end-to-end web-based loan platform which was used by five of the 10 largest U.S. originators. Blue Sage Solutions is headquartered in Englewood Cliffs, New Jersey. For more information about Blue Sage’s products and services, visit www.bluesageusa.com.
Reporter Kelsey Ramírez from HousingWire covered the announcement of our integration with Ellie Mae, whose quoted executive said, “Our mission is to provide our lenders and partners with a true digital mortgage.” To read the full article, click here.
Integration provides verification of assets report to speed up lending process while improving the experience for lenders and their customers
SALT LAKE CITY, Utah and PLEASANTON, California – March 19, 2018 – Finicity, a provider of real-time financial data aggregation and insights, and Ellie Mae® (NYSE: ELLI), the leading cloud-based platform provider for the mortgage finance industry, today announced an integration agreement to provide Finicity’s digital Verification of Assets (VoA) solution through Ellie Mae’s Encompass® digital mortgage solution.
The mortgage origination process has increased in cost over the past several years, reaching almost $8,000, according to the Mortgage Bankers Association, doubling the cost since 2009. Additionally, consumers have increasing expectations for a fast and simplified experience. To address this, Finicity is leading the delivery of digital verifications that can help speed the process up to 11 days. First to market is the Finicity VoA report, providing a streamlined digital experience that rapidly and accurately validates a borrower’s assets and will be accessed through Encompass.
“Increased access to financial data is changing the way lenders look at underwriting and is playing a major role in moving lending to a fully digital experience,” said Steve Smith, CEO and co-founder of Finicity. “Working with a market leader like Ellie Mae to deliver on the promise of digitization is very exciting and will have significant impact on the origination process.”
Finicity is one of the largest financial data aggregators and uses consumer-permissioned financial data for its credit decisioning solutions. Through a digital verification process, lenders can shorten the time to close and reduce personnel and financial resources. Utilizing transaction data direct from financial institutions also improves accuracy and reduces fraud. Additionally, it provides borrowers a paper-free, hassle-free experience.
Ellie Mae is offering a true digital mortgage experience covering the entire loan lifecycle, so lenders can originate more loans, lower origination costs and reduce time to close. Ellie Mae’s connected community includes 230,000 users and thousands of service providers, and the Ellie Mae Network processes millions of transactions every month, touching approximately 30 percent of the residential loans originated in the United States. Finicity will leverage Partner Connect as part of the early partner program to offer income and asset verification to Ellie Mae customers.
Through the integration, lenders will be able to request an asset verification report in a single click. Once requested, a borrower will be prompted to complete a simple online process that identifies the financial information they want included and permissions the creation of the report. Lenders can review reports with bank-validated data in near real-time, shortening the verification process to minutes — instead of days.
“At Ellie Mae, our mission is to provide our lenders with innovative solutions to automate the entire loan lifecycle for a true digital mortgage,” said Parvesh Sahi, senior vice president of business development for Ellie Mae. “We will continue to embrace technology partners like Finicity to change the way lenders and consumers engage in the loan manufacturing process. We’re happy to partner with Finicity to provide solutions through our Encompass NG Lending Platform and our Encompass Connect product suite to help realize the vision of a truly digital mortgage.”
Finicity is an authorized asset report provider as part of Fannie Mae’s Day 1 CertaintyTM initiative. Finicity is also part of the Single Source Validation (SSV) pilot, meaning Fannie Mae will utilize transaction data from Finicity reports to validate assets, income and employment. A broader rollout of SSV is planned later this year and will build on Fannie Mae’s Day 1 Certainty initiative. Finicity is also an authorized Freddie Mac asset validation report provider, and Freddie Mac and Finicity are partnering on new methods to validate income from payroll deposit data from bank statements.
To stay up to date on all Finicity company and product announcements, visit the website at www.finicity.com.
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About Finicity:
Finicity enables a financial data-sharing ecosystem that is secure, inclusive and innovative. Through its real-time financial data aggregation and insights platform, Finicity provides solutions for financial management, payments and credit decisioning. It is also leading the development and promotion of industry standards. The company has developed more than 16,000 bank integrations, with the vast majority through connections that provide access to formatted bank data, improving information access and accuracy. Finicity is the winner of API World’s 2016 Finance API of the Year.
About Ellie Mae:
Ellie Mae (NYSE:ELLI) is the leading cloud-based platform provider for the mortgage finance industry. Ellie Mae’s technology solutions enable lenders to originate more loans, reduce origination costs, and shorten the time to close, all while ensuring the highest levels of compliance, quality and efficiency. Visit EllieMae.com or call 877.355.4362 to learn more.
Finicity’s Verification of Assets solution to be integrated into MortgageHippo’s digital lending platform
SALT LAKE CITY, Utah – March 6, 2018 – Finicity, a provider of real-time financial data aggregation and insights, announced today it is working with MortgageHippo, creators of the leading borrower-centric digital lending platform, to streamline and speed up the verification process in mortgage lending. The initial focus is on integration of Finicity’s Verification of Assets (VoA) solution into the MortgageHippo platform, further digitizing the mortgage experience for lenders and borrowers.
Finicity’s credit decisioning solutions allow lenders to free up resources, improve accuracy and reduce fraud, all while giving borrowers a paper-free, hassle-free experience that utilizes transaction data direct from financial institutions. Through the MortgageHippo platform, lenders will request an asset verification report, which will then inform the borrower to complete a simple online process to identify the financial information they want included and to permission creation of the report. Lenders can review reports with bank-validated data in near real-time, shortening the verification process to minutes instead of days.
“Consumers are looking for experiences that are simple and fast. Lenders are looking to meet these expectations while improving efficiency and profitability,” said Steve Smith, CEO and co-founder of Finicity. “We’re excited to work with MortgageHippo, another innovator that is enhancing the mortgage lending experience for borrowers and lenders with a smart, digital process.”
“Finicity has shown significant market leadership in digitizing the verification process for mortgage lending,” said Michael Salichs, president of MortgageHippo. “Having their solution integrated into our platform is a perfect fit with our vision of an omnichannel digital experience that makes the lending process easier, faster and more pleasant for everyone.”
MortgageHippo is integrated with several industry leading loan origination system (LOS) providers, further simplifying access to and management of reports.
Finicity is an authorized, integrated provider of asset verification reports within Fannie Mae’s Desktop Underwriter® (DU®). This gives lenders a validated asset report through Fannie Mae’s Day 1 CertaintyTM initiative. Finicity is also part of the Single Source Validation (SSV) pilot, meaning Fannie Mae will utilize transaction data from Finicity reports to validate assets, income and employment. A broader rollout of SSV is planned later this year and will build on Fannie Mae’s Day 1 Certainty initiative.
To stay up to date on all Finicity company and product announcements, visit the website at www.finicity.com.
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About Finicity:
Finicity enables a financial data-sharing ecosystem that is secure, inclusive and innovative. Through its real-time financial data aggregation and insights platform, Finicity provides solutions for financial management, payments and credit decisioning. It is also leading the development and promotion of industry standards. The company has developed more than 16,000 bank integrations, with the vast majority through connections that provide access to formatted bank data, improving information access and accuracy. Finicity is the winner of API World’s 2016 Finance API of the Year.
About MortgageHippo:
MortgageHippo works with lenders to devise and implement their digital mortgage strategies using its borrower-centric digital lending platform. The MortgageHippo platform allows lenders to deliver a modern borrowing experience, improve borrower conversions, significantly reduce origination costs and integrate with other innovative technologies. MortgageHippo’s platform is fully customizable to lender preferences and configurable to lenders’ workflows and processes. For more, visit www.mortgagehippo.com.
Partnership broadens availability of digital verification for improved mortgage lending experience and profitability
SALT LAKE CITY, Utah and MILFORD, Pennsylvania – March 1, 2018 – Finicity and Advanced Data today announced a partnership that includes Finicity verification reports as part of Advanced Data’s suite of fraud prevention and enhanced verification tools for mortgage lending.
The mortgage industry is rapidly moving to a more digital experience for borrowers and lenders alike. Finicity is a leader in this transformation, starting with its digital verification of assets (VoA) report. This report can be ordered through Advanced Data and is interfaced with multiple loan origination system (LOS) providers such as Ellie Mae, Black Knight, Byte Software, Calyx Software and more, in addition to Advanced Data’s own lender-facing SaaS platform.
“In today’s digital world, borrowers and lenders have high expectations for a streamlined process that improves both the experience and the bottom line,” said Steve Smith, CEO and co-founder of Finicity. “We’re excited to align with a like-minded organization in Advanced Data to bring to market the most advanced verification solutions that will accelerate next-gen mortgage lending.”
Finicity is one of the largest financial data aggregators and uses consumer-permissioned financial data for its credit decisioning solutions. A digital verification process allows lenders to free up financial and personnel resources while improving accuracy and reducing fraud. Additionally, it provides borrowers a paper-free, hassle-free experience that utilizes transaction data direct from financial institutions.
Through Advanced Data, which has provided compliance, fraud prevention and enhanced verification services to the mortgage industry for more than a decade, lenders will be able to request an asset verification report in a single click. Once requested, a borrower will be prompted to complete a simple online process that identifies the financial information they want included and permissions the creation of the report. Lenders can review reports with bank-validated data in near real-time, shortening the verification process to minutes — instead of days.
“Providing Finicity asset verification reports to our customers reflects our reputation for delivering innovative, high-quality products to the mortgage industry,” said Allen Johnson, CEO of Advanced Data Corporation. “Finicity helps us deliver on our ongoing commitment to provide our clients with competitive advantages and great customer service.”
Advanced Data, with its tax transcript validation report, and Finicity, with its asset verification report, are authorized, integrated report providers within Fannie Mae’s Desktop Underwriter® (DU®). This gives lenders validated reports through Fannie Mae’s Day 1 Certainty™ initiative.
Finicity is also part of the Single Source Validation (SSV) pilot, meaning Fannie Mae will utilize transaction data from Finicity reports to validate assets, income and employment. A broader rollout of SSV is planned later this year and will build on Fannie Mae’s Day 1 Certainty initiative.
To stay up to date on all Finicity company and product announcements, visit the website at www.finicity.com.
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About Finicity:
Finicity enables a financial data-sharing ecosystem that is secure, inclusive and innovative. Through its real-time financial data aggregation and insights platform, Finicity provides solutions for financial management, payments and credit decisioning. It is also leading the development and promotion of industry standards. The company has developed more than 16,000 bank integrations, with the vast majority through connections that provide access to formatted bank data, improving information access and accuracy. Finicity is the winner of API World’s 2016 Finance API of the Year.
About Advanced Data:
Advanced Data is recognized as the standard for enterprise-wide mortgage data integrity, specializing in fraud prevention and enhanced verifications. Its proprietary technology is integrated with loan origination systems, and the firm offers a SaaS platform for clients that prefer a custom solution. Its services include eTax Verification Form 4506-Ts, proprietary eVoE™ technology, streamlined verifications and reverifications of employment, fraud reports, social security number verifications, AVM plus property inspection, and flood zone determinations. Advanced Data’s proprietary Fraud Report identifies each loan’s fraud risk before and after funding. The firm prides itself on delivering superb customer service, hiring experienced employees, and developing customized, sophisticated technology. It’s one of the only firms in its sector to employ an in-house development group, which ensures its technology provides a competitive advantage to clients and can be customized to their needs. Advanced Data was named to Housing Wire’s prestigious 2017 Tech 100. For more information, visit advanceddata.com.
Asset verification solution to be incorporated into Black Knight’s LoanSphere Exchange Digital Platform
SALT LAKE CITY, Utah – Dec. 12, 2017 – Finicity, a leading provider of real-time financial data aggregation and insights, announced today that its Verification of Assets (VoA) solution will be incorporated in the LoanSphere Exchange Digital platform, Black Knight’s new secure online gateway for lenders and third-party-provider systems to exchange data and documents with each other, facilitating commerce via Application Program Interfaces (API).
The VoA offering is part of Finicity’s credit decisioning solution, which allows lenders to free up resources, improve accuracy and reduce fraud, all while giving borrowers a paperless, hassle-free experience that utilizes transaction data that borrowers give lenders permission to access. Utilizing the LoanSphere Exchange Digital platform, lenders and servicers will be able to readily access Finicity’s VoA report, which will provide bank-validated insights into borrower assets and valuable information, such as underwriting factors, that could affect credit decisioning.
“This latest integration with Black Knight shows our continued momentum in the credit decisioning space,” said Steve Smith, CEO and co-founder of Finicity. “We’re proud to provide lenders and servicers who rely on Black Knight’s LOS access to Finicity’s verification solutions so they can successfully manage the entire loan life cycle.”
LoanSphere Exchange Digital provides a simpler and more streamlined way for lenders to develop and implement their digital strategies, enabling them to bring together their existing and new applications in a more flexible way to offer consumers a complete omni-channel lending experience.
“Finicity’s solution aligns well with Black Knight’s mission to more easily automate the homeownership lifecycle through the advancement of digital capabilities,” said Tom Peterson, president, Black Knight Lending Solutions. “Adding VoA to Exchange Digital’s online platform helps to expedite real estate transactions by further facilitating the flow of data and documents between all participants.”
Finicity is an authorized, integrated provider of asset verification reports within Fannie Mae’s Desktop Underwriter® (DU®). This gives lenders a validated asset report through Fannie Mae’s Day 1 Certainty™ initiative. As part of the Single Source Validation (SSV) pilot, Fannie Mae will utilize transaction data from Finicity reports to validate assets, income and employment. A broader rollout of SSV is planned for 2018 and will build on Fannie Mae’s Day 1 Certainty initiative.
To stay up-to-date on all Finicity company and product announcements, visit the website at www.finicity.com.
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About Finicity:
Finicity enables a financial data-sharing ecosystem that is secure, inclusive and innovative. Through its real-time financial data aggregation and insights platform, Finicity provides solutions for financial management, payments and credit decisioning. It is also leading the development and promotion of industry standards. The company has developed more than 16,000 bank integrations, with the vast majority through connections that provide access to formatted bank data, improving information access and accuracy. Finicity is the winner of API World’s 2016 Finance API of the Year.
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Announced at Mortgage Bankers Association Annual Convention & Expo
SALT LAKE CITY, Utah – October 23, 2017 – Finicity, a leading provider of real-time financial data aggregation and insights, announced today participation in Fannie Mae’s pilot for Single Source Validation as an asset report provider. Single Source Validation is an enhancement to the Desktop Underwriter® (DU®) validation service that leverages bank account data collected via a single asset report to validate income, assets and employment.
“Using customer-permissioned access to bank account data is one of the most transformative trends within mortgage lending and the verification process,” said Steve Smith, CEO and co-founder of Finicity. “Fannie Mae has demonstrated significant leadership in accelerating this transformation, and with the pilot of Single Source Validation we, as an industry, are rapidly moving to a fully digital experience that will benefit borrowers and lenders alike.”
Finicity is currently an authorized, integrated report provider for asset verification reports within Fannie Mae’s Desktop Underwriter® (DU®). This provides lenders a validated asset report through Fannie Mae’s Day 1 Certainty™ initiative.
As part of the Single Source Validation pilot, Fannie Mae will utilize transaction data from Finicity asset reports. Through the asset reports, Fannie Mae will validate not only assets but also income and employment. Using a single source will dramatically increase efficiency and accuracy through underwriting, processing and QC.
Fannie Mae’s Single Source Validation is currently in pilot with a broader rollout planned for 2018 to allow for feedback and collaboration with lenders and industry partners. The solution will build on its Day 1 Certainty initiative, providing freedom from representations and warranties for income, assets and employment validated through this single source process.
To stay up to date on all Finicity company and product announcements, visit the website at www.finicity.com.
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About Finicity:
Finicity enables a financial data-sharing ecosystem that is secure, inclusive and innovative. Through its real-time financial data aggregation and insights platform, Finicity provides solutions for financial management, payments and credit decisioning. It is also leading the development and promotion of industry standards. The company has developed more than 16,000 bank integrations, with the vast majority through connections that provide access to formatted bank data, improving information access and accuracy. Finicity is the winner of API World’s 2016 Finance API of the Year.
Financial data aggregator and data verification provider combine forces to offer real-time asset verification
SALT LAKE CITY, Utah – Oct. 13, 2017 – Finicity, a leading provider of real-time financial data aggregation and insights, and DataVerify®, a leading provider of data verification, risk mitigation and data aggregation services, today announced an integration to provide digital, real-time asset verification to the mortgage lending industry.
Finicity’s Verification of Assets (VoA) solution will be directly integrated into DataVerify’s DRIVE® platform, which automates the underwriting process to help lenders avoid loan quality issues. DataVerify operates at the junction of data verification and fraud prevention, quickly identifying the legitimacy of borrowers by comparing data across a variety of databases to identify risks of fraud. Lenders will now be able to access Finicity VoA reports through their DataVerify system as part of their loan review process.
“DataVerify is a well-known and respected name in data verification, data aggregation and fraud prevention for loan originations, and we’re thrilled to bolster its solution with our VoA product,” said Steve Smith, CEO at Finicity. “The lending and credit decisioning space is moving towards automated, digital solutions built on open APIs and using buyer-permissioned data. Asset verification is just the beginning.”
Earlier this year, Finicity launched its asset and income verification solutions, bringing the benefits of big data into the digitization of the loan origination market. Among its new products, the VoA solution employs borrower-permissioned financial account data to generate a real-time view of a borrower’s assets. As a data aggregator, Finicity is an asset verification provider and also a Consumer Reporting Agency (CRA) that directly collects, manages and secures the data from financial institutions for an asset verification report. In turn, DataVerify offers a single-source platform for data verification and aggregation, fraud prevention and compliance assistance for clients, including top lenders and government agencies.
Brad Bogel, senior vice president at DataVerify, said, “In today’s digital age, consumers expect to get things fast. With real-time asset verification from Finicity, lenders that use our DRIVE platform will be able to get quick insight into a borrower’s financial information and thus make more efficient and smarter lending decisions. The data can be accessed and verified in a matter of clicks, shortening the loan approval process for a greater overall consumer experience.”
DataVerify is an Authorized Report Supplier for Day 1 Certainty™ from Fannie Mae and provides complete verification services including 4506-T IRS tax transcripts, and coming soon Verification of Employment (VOE) and Verification of Income (VOI) through the Fannie Mae Desktop Underwriter® (DU®) validation service. Finicity is currently piloting its asset verification report solution with Fannie Mae as a final step toward receiving Day 1 Certainty Report Supplier approval.
To learn more about asset and income verification with Finicity, visit www.finicity.com/credit-decisioning/. To learn more about the services that DataVerify provides, visit www.dataverify.com/content/services.htm.
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About Finicity: Finicity enables a financial data-sharing ecosystem that is secure, inclusive and innovative. Through its real-time financial data aggregation and insights platform, Finicity provides solutions for financial management, payments and credit decisioning. It is also leading the development and promotion of industry standards. The company has developed more than 16,000 bank integrations, with the vast majority through connections that provide access to formatted bank data, improving information access and accuracy. Finicity is the winner of API World’s 2016 Finance API of the Year. To learn more and test run the rock-solid API today, visit www.finicity.com.
About DataVerify: DataVerify is the premier provider of risk mitigation, data validation, and decision management solutions for the mortgage industry. DataVerify harnesses advanced analytics and technology to create automated and configurable workflow and decision management solutions. Our highly responsive platform empowers lenders to make precise and consistent business decisions through an engine that identifies and measures hidden threats such as data integrity errors and misrepresentations, identity theft, and property and application risk. Engineered to offer optimal flexibility, the DataVerify platform (which incorporates 4506T, SSA, and employment and income verification) allows lenders to manage risks according to their institution’s tolerance level.
Consumers will have more control and security when sharing their information with apps
SALT LAKE CITY, Utah – July 11, 2017 – Finicity, a leading provider of real-time financial data aggregation and insights, has signed an agreement with JPMorgan Chase to enhance the security and quality of information the bank’s customers choose to share with apps.
“The customer’s financial data is at the center of a superior experience with financial apps and services,” said Finicity CEO Steve Smith. “We share JPMorgan Chase’s commitment to helping customers better manage their finances through data access, quality and intelligence.”
The companies will use a direct application programming interface (API) to allow Chase customers to share information securely with the financial apps and services that Finicity supports. This tokenized access will eliminate the need for customers to share their Chase credentials with third-party apps.
As a financial data aggregator, Finicity’s leadership in supporting such agreements will allow the broader FinTech and financial services community to give common customers the ability to share their data with a wide variety of apps and services.
The agreement is based on two shared goals:
- Protecting consumers’ security and privacy while helping them make smart financial decisions.
- Quickly delivering the most reliable and highest-quality data.
“Working with Finicity, we will enable our customers to make informed decisions while protecting their Chase banking credentials,” said Bill Wallace, head of Chase Digital Banking.
Finicity has established relationships with a variety of service and application providers that allow individuals and organizations to manage financial processes. This includes providing data aggregation for several of the most popular personal financial management (PFM) tools, as well as digital asset and income verification solutions for the lending industry through commercial relationships with several large financial institutions and service providers.
To learn more about Finicity data services and their commitment to fast, reliable and high-quality data, visit www.finicity.com.
“The heated debate between banks and fintech companies over access to bank customer data seems to be settling into an amicable series of data-sharing agreements.
In the latest example, Wells Fargo and the data aggregator Finicity are announcing Tuesday afternoon a deal through which Wells Fargo will give Finicity access to its customers’ account data through an open application programming interface. This will allow Finicity’s clients, which include four of the top seven providers of personal financial management and many online lenders, to populate their apps with Wells Fargo customer data and use that data to assess potential borrowers’ creditworthiness — without customers having to give the third parties their login and password.”
To read the full, breaking news article in American Banker with commentary from Finicity CEO Steve Smith, click here.