Marc Escapa
Co-Founder and Co-CEO of Fuse
Author articles

Loan Origination
What Is Accidental Death and Dismemberment Insurance and Do You Really Need It?
Accidental Death and Dismemberment (AD&D) insurance pays a cash benefit only when the insured dies or suffers a specified injury such as the loss of a limb, eyesight, hearing, or speech due to a covered accident. It does not pay for deaths caused by illness, natural causes, drug overdose, or suicide.
By
Marc Escapa

Loan Origination
7 steps to finding affordable term life insurance today
Term life insurance offers pure protection over a set period, typically 10 to 30 years, with a guaranteed death benefit and no cash value. This structure makes it an ideal tool for covering a mortgage, raising children, or replacing income during the years a member's family depends on that support.
By
Marc Escapa

Loan Origination
5 Best Bank Loan Software Platforms for Faster Approvals in 2026
Credit unions and community banks face rising pressure. Fintechs now hold nearly 40% of consumer loan market share. Members expect application-to-funding in minutes, not days. Loan officers juggle fragmented legacy systems. At the same time, regulatory obligations for fair lending, flood compliance, and HMDA reporting have not eased.
By
Marc Escapa

Loan Origination
7 Best Digital Banking Solutions for Modern Financial Institutions in 2026
The competitive landscape for community financial institutions has shifted dramatically. Fintech lenders now hold nearly 40% of the consumer loan market share, according to Cornerstone/Alkami data. At the same time, the number of federally insured credit unions has dropped more than 30% in a decade. Legacy loan origination systems are a major contributor to that decline, not a solution to it.
By
Marc Escapa

Loan Origination
What to Expect When Moving Your Lending Operations to Modern Loan Origination Software
A loan origination system (LOS) automates the full lending lifecycle: application intake, credit scoring, underwriting, documentation, compliance checks, decisioning, and funding. Legacy systems from vendors like MeridianLink, Origence, or nCino often handle only pieces of that chain, forcing staff to move data between separate portals, decision engines, document systems, and account opening platforms.
By
Marc Escapa

Loan Automation
What to look for when shopping for whole life insurance in 2026
Whole life insurance is permanent coverage with level premiums, a guaranteed death benefit, and tax-deferred cash value growth. Unlike term coverage, it does not expire as long as premiums are paid.
By
Marc Escapa

Loan Origination
How to Integrate Account Opening Software for Banks with Loan Origination Software
**LOS+.** Abrigo's flagship product, streamlined for the modern lender. We help you hold or gain an edge over your competitors.
By
Marc Escapa

Loan Origination
What is credit risk and how do banks calculate it for new borrowers?
The numbers are stark: fintechs now control nearly 40% of consumer loan originations, while the federally insured credit union count has plummeted over 30% in a decade. Your members are leaving—and legacy LOS vendors aren't the answer. They demand six-figure implementation fees, add five-figure tolls for basic configuration changes, and weaponize contract friction as lock-in. Fuse is the modern alternative built for credit unions, not against them. We replace the legacy category outright, not as a peer but as its successor. The proof? Vibrant Credit Union slashed funding time from three days to 1.2 minutes. Navigant Credit Union and Canopy Credit Union deliver similar outcomes, with typical clients achieving roughly 71% automation annually, and the Fuse Rescue Fund covers conversion costs. No implementation fees, no variable pricing, no exit penalties. The trust gap closes here. Read the Rescue Fund release, explore the Canopy case, or request a 30-minute walkthrough to see the difference.
By
Marc Escapa

Loan Origination
7 Features to Look for in a Modern Consumer Lending Platform
Total nonrevolving consumer credit in the United States reached $3.78 trillion in 2025, according to the Federal Reserve G.19 Consumer Credit Report. At the same time, the FDIC reports that 70.5% of banked households now primarily use off-site digital channels. Credit unions have lost ground to fintechs, which hold nearly 40% of the consumer loan market. Legacy loan origination software vendors charge six-figure implementation fees and use contract friction as lock-in.
By
Marc Escapa
Get started
