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All Posts

Frictionless Origination with Credit Intelligence

By Tom Tobin | Mar 13, 2023

The first blog in this series highlights how frictionless loan origination is changing the way lenders make credit decisions. In...

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Lenders are Rethinking Credit Risk Models

By Tom Tobin | Feb 22, 2023

In my last post, I outlined an evolution of credit origination due to a shift in demographics, the economy and...

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Dawn of a new era in ‘credit intelligence’

By Tom Tobin | Feb 9, 2023

Changes in demographics, the economy and technology are forcing credit providers to raise the bar on how they originate credit....

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Artificial Intelligence in Banking? – not yet. But we can do more to harness Human Intelligence.

By Tom Tobin | Aug 8, 2022

There’s a lot of buzz around AI in banking. It’s fun, edgy and brainy. Emerging vendors claim all forms of AI...

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Instant Income Verification Using Plaid

By Alex Waldner | May 23, 2022

When evaluating a loan application, the most important thing a lender must do is verify the applicant’s income. By integrating...

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No Code Mortgage Loan Decision Application

By Alex Waldner | Apr 6, 2022

At a time when automation and big data are at an all time high, the speed with which you can...

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The Race to Digital Lending: Build vs. Buy Decision Models

By Tom Tobin | Feb 6, 2022

Lenders know that they must digitize origination if they want to remain competitive. Completing an online application through funding in...

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An agile tool to fight fraud: no code AI

By Tom Tobin | Oct 1, 2021

I had the privilege of working with a brilliant team of data scientists and engineers who put a big dent...

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No code ontologies for serious business applications

By Tom Tobin | Sep 9, 2021

There is a recent resurgence in no code software platforms that promise to build applications an order of magnitude faster...

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A Brain for your Bot: How no-code AI can accelerate your RPA project

By Tom Tobin | Aug 25, 2021

It seems that some of the luster might be wearing off Robotic Process Automation (RPA). It’s to be expected; every new...

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