Founder & Managing Director
Kosta founded Easylodge in 2007 after establishing Finance Now and Allsurity. He is a Federal Court of Australia expert witness in credit decisioning and assessment.
By Kosta Patsan · 12 October 2026
Specialist lending businesses do not usually set out to create fragmented technology estates… They grow into them. A lender launches with a small team, a focused product range and a manageable number of cases. Applications may arrive by email. Case information may be held in a CRM, a shared drive or a spreadsheet. Credit checks…
Read moreBy Kosta Patsan · 6 October 2026
From enquiry to funding: how specialist lenders can remove avoidable delay For specialist lenders, speed has always mattered. In bridging, development finance, specialist mortgages and asset-backed lending, borrowers often have a time-critical reason for borrowing. A property purchase may be dependent on completing before another buyer. A refurbishment project may require funds before a contractor…
Read moreBy Kosta Patsan · 20 May 2026
Banks are increasingly relying on technology to gain operational efficiency. Tech-savvy fintechs are hungry for market share. Smaller lenders are being squeezed as the cost of adopting new technology becomes prohibitive. $100K scoping studies? $1M+ for software? 3-year implementation projects? There is a better way.
Read moreBy Kosta Patsan · 20 May 2026
Applicants completing a mortgage application in under 4 minutes. Credit decisioning, serviceability calculations, AML & KYC checks, bank statement analysis and risk-based pricing, all performed instantly. This is not a future state. This is available today.
Read moreBy Kosta Patsan · 20 May 2026
EasyRule™ Credit V5™ incorporates machine learning in two specific ways: forward projections that anticipate credit outcomes, and “what if” scenario analysis for regression. Here’s how it works in practice and what it means for your credit quality.
Read moreBy Kosta Patsan · 20 May 2026
A great deal has been said recently about CRMs and their purported origination capabilities. A CRM is about capturing data. An origination platform is about interpreting it, running credit rules, guiding workflow and producing instant decisions. They are fundamentally different tools.
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