Many banks mistakenly believe that replacing their LOS will solve deeper operational inefficiencies. Poor data quality, fragmented workflows, and lack of team alignment often undermine new systems. Sustainable transformation requires rethinking infrastructure, not just swapping platforms. SOLO, a next-gen platform is designed not to replace existing LOS systems but to complement them. SOLO is what happens when you focus on solving data infrastructure challenges rather than just product features. It serves as a real-time data adapter; ingesting, standardizing, and routing borrower information across products, systems, and departments. By decoupling borrower data from individual LOS tools, SOLO enables: One-time data entry with multi-product underwriting; Seamless cross-system decisioning; Faster credit visibility and eligibility scoring; Enhanced data portability for compliance and reporting. SOLO has become particularly appealing to banks seeking modernization without the heavy lifting involved in a complete system replacement. An ideal picture of success may look like an ecosystem where a borrower can apply once and receive pre-qualified offers across multiple credit products (or even multiple banks) regardless of channel. It’s a frontline team that can access a 360-degree view of the borrow and act on real-time insights. It’s compliance teams that are able to spend more time analyzing trends, especially in an increasingly growing ‘gig economy’. To truly future-proof lending, banks need to think beyond interfaces and focus on what lies beneath.