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    Reference · 2026Glossary

    Glossaryof lending terms

    Plain-English definitions for lending technology terms. No jargon, no fluff, just clear explanations you can share with the team or use in an RFP.

    Jump toABCDEFHIKLMNOPRSTVWZ

    A

    8 terms
    A/B testingAgentic AI (in lending)AggregatorAnti‑money laundering (AML)API‑first architectureAPI versioningAPRA CPS 234Automated valuation model (AVM)

    B

    7 terms
    Backward compatibilityBiometric authenticationBlueprintBreaking changeBroker portalBusiness process management (BPM)Business rules engine

    C

    13 terms
    Case managementChampion–challenger testingComprehensive credit reporting (CCR)Configuration as codeConfiguration vs customizationConsumer Data Right (CDR)Core banking systemCounter‑terrorism financing (CTF)Credit bureauCredit bureau integrationCredit decisioningCredit scoringCustomer portal

    D

    5 terms
    Debt-to-income ratio (DTI)Delegated lending authority (DLA)Digital account openingDigital conveyancingDigital onboarding

    E

    1 term
    E-settlement

    F

    1 term
    Four-eyes principle

    H

    1 term
    Household Expenditure Measure (HEM)

    I

    1 term
    Identity verification

    K

    1 term
    Know Your Customer (KYC)

    L

    8 terms
    Lenders mortgage insurance (LMI)Lending automationLIXILMI integrationLoan management system (LMS)Loan origination system (LOS)Loan-to-value ratio (LVR)Low-code platform

    M

    5 terms
    MicroservicesMortgage brokerMortgage defaultMulti-tenant architectureMultivariate rules engine

    N

    1 term
    Net surplus ratio (NSR)

    O

    1 term
    Open Banking

    P

    4 terms
    PEXAPre-approvalPre-qualificationProperty valuation

    R

    5 terms
    Responsible lendingResponsible lending obligationsRESTful APIRisk-based pricingRules engine

    S

    5 terms
    ServiceabilityServiceability assessmentSingle-tenant architectureSolution templateStraight-through processing (STP)

    T

    1 term
    Technical debt

    V

    1 term
    Virtual private cloud (VPC)

    W

    1 term
    Workflow automation

    Z

    1 term
    Zero-downtime deployment

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