Market studies projected a 28% year-over-year growth for five (5) years for commercial vehicle loans.

Market studies projected a 28% year-over-year growth for five (5) years for commercial vehicle loans. A company that provides lending for commercial vehicles wanted to keep up with industrydemand; however, their applications were not capable of scaling to the increased demand for loan processing and billing. The company is deploying a new system to meet the demand. The project started five (5) years ago and cost $2 million USD. The project metrics are to be evaluated after five (5) years. The return on investment (ROI) for the project is calculated at 11%. The project sponsors are upset that the desired ROI for the project was not met. What was the root cause of this issue?