Capital fungibility assumptions thrive in manual, spreadsheet-driven environments where capital-location data, regulatory constraints, and underwriting capacity decisions operate in disconnected workflows. Unified platform workflows that embed fungibility checks into underwriting, treasury, and capital-planning processes eliminate the information gap that allows assumptions to go unchallenged.
Exit-decision latency is driven less by analytical capability and more by workflow design that fails to capture signals, assign ownership, set deadlines, and escalate unresolved decisions before the exit window closes.