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      "text": "The significant cost pressure in a sustained low-interest environment is leading banks and insurers to consider third party credit platforms for originating mortgage forward flow and for effecting loan portfolio management as a comprehensive solution, or even to buy the whole mortgage loans ready-to-invest through a fund vehicle structure that delivers one line item for the balance sheet. Simply digitising old processes can not solve the entire problem - Clifford Tjiok, LOANCOS",
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