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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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Frictionless Lending with Credit Automation

By Tom Tobin | Mar 13, 2023

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

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AI is the convergence of codeless and LLMs

By Tom Tobin | Jul 19, 2023

I’m fascinated with developments in codeless platforms and Large Language Models (LLMs) as they make inroads towards replacing traditional coding....

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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 Model Automation

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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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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Targeted Credit Offers using AI

By Tom Tobin | Jun 23, 2019

Models that leverage machine learning and AI can predict, with greater accuracy, applicant behavior. It gives organizations an edge; they...

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The Dawn of Intelligent Applications: Why Machine Learning is Not Enough

By Tom Tobin | Oct 29, 2019

Hype cycles are interesting to me.  These are the cycles as described by Gartner where new innovation undergoes predictable phases...

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