Guide
Total cost of ownership(TCO) guide
A practical guide to evaluating total cost of ownership for loan origination platforms, beyond license fees.
What TCO really includes
- Implementation and ongoing change (products, policy, workflow)
- Integration build and maintenance (bureaus, IDV, Open Banking, valuations)
- Support and operations (incidents, releases, environments)
- Customisation/upgrade overhead (technical debt and regression risk)
Questions to ask vendors
- Which changes are configuration vs bespoke customisation?
- How do upgrades work, and what breaks integrations?
- How do you evidence decision history, policy versions, and overrides?
Related
- LOS cost breakdown
- Technical debt (glossary)
What you’ll get
TCO checklist (delivery + integrations + operations)
Questions to uncover upgrade and customisation risk
A way to compare vendors on long-term maintainability
Next step
Want help applying this to your products and process? We’ll walk you through a tailored demo.