Banks have long relied on securitisation as a way to convert loan portfolios into tradable capital market instruments, but the process has traditionally been complex, manual, and accessible mainly to larger institutions with specialised infrastructure. A new partnership between modular banking infrastructure provider Fimple and securitisation technology firm TeamSec aims to change that. By embedding automated securitisation capabilities directly into core banking infrastructure, the companies are enabling financial institutions to transform loan portfolios into capital market assets more efficiently and without heavy IT investment.
Modular banking infrastructure provider Fimple has entered a strategic partnership with TeamSec to simplify the securitisation of loan and receivables portfolios for financial institutions. This collaboration is designed to enable banks to access advanced capital market tools without additional IT investment or complex system deployments. The integration of TeamSec’s specialised platform directly into Fimple’s API-based core banking infrastructure bridges the gap between everyday loan lifecycle management and sophisticated capital markets processes.
The integration utilises TeamSec’s Perfect Cube solution to manage the end-to-end securitisation journey, including structuring, risk analysis, issuance, and investor management. Traditionally, securitising a portfolio of loans involves significant manual data extraction and reliance on fragmented third-party systems. This new partnership automates these workflows, enabling institutions to integrate securitisation into their existing credit and accounting processes. This move is intended to help banks manage their balance sheets more effectively and unlock new sources of funding more quickly and transparently.
Mücahit Gündebahar, the managing director of Fimple, stated that helping financial institutions access alternative funding sources is of vital importance in the current economic landscape. He noted that the modular and flexible nature of their infrastructure allows banks to manage not only core banking operations but also their interactions with broader capital markets more integrally. This partnership specifically targets the operational barriers that often prevent mid-sized lenders from participating in securitisation due to high technical costs and resource requirements.
Esad Erkam Köroğlu, the founding managing director of TeamSec, emphasised that the collaboration aims to make the transfer of loan portfolios to capital markets significantly faster and more efficient. By embedding these capabilities at the infrastructure level, the companies are providing a scalable model that supports high-speed execution and market agility. This approach ensures that as a bank originates new financing, those assets can be seamlessly prepared for potential securitisation, thereby improving liquidity and enabling more dynamic capital allocation strategies.
This initiative reflects a broader trend toward the “platformization” of complex financial services, in which specialised vendors connect via APIs to create more powerful, unified solutions. For financial institutions, the combined offering provides a clear path toward digital transformation without the risk associated with overhauling legacy IT systems. As demand for diversified funding grows throughout 2026, the ability to convert static loan books into liquid capital market instruments will likely become a critical capability for competitive retail and commercial banks seeking to optimise their financial performance.
What this means for the industry
- Securitisation becomes operationally simpler for banks
By integrating securitisation workflows directly into the core banking environment, banks can manage loan portfolios and capital market transactions within the same infrastructure instead of relying on disconnected systems. - Mid-tier lenders gain access to capital markets tools
Smaller and mid-sized banks have historically struggled with securitisation due to cost and technical complexity. API-based platforms lower that barrier and broaden access to alternative funding channels. - Balance sheet optimisation becomes faster and more dynamic
Automating the preparation and structuring of loan portfolios allows banks to quickly convert assets into tradable securities, improving liquidity management and capital allocation strategies. - Operational risk and manual processes are reduced
Traditional securitisation often involves manual data extraction and coordination across multiple third-party systems. Automating these workflows reduces operational friction and potential data inconsistencies. - Platform-based banking ecosystems continue to expand
The partnership reflects a wider industry shift where specialised fintech solutions integrate directly into banking infrastructure via APIs, allowing institutions to access advanced capabilities without rebuilding legacy systems. - Funding diversification will become more important in 2026
As interest rates, regulatory requirements, and liquidity pressures evolve, banks are increasingly exploring securitisation and structured finance as flexible funding mechanisms. Technologies that simplify these processes could play a growing role in banking infrastructure strategies.
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