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AI & Lending

Seven Years Later, Canada Might Actually Get Open Banking (Don't Hold Your Breath)

November's federal budget is supposed to include the next legislative phase for open banking. If you're a Canadian fintech executive, you've heard this song before. The difference this time? Multiple sources, speaking to industry media under the condition of anonymity, say that government officials and lobby groups are telling them it's real. Phase 2 legislation (covering common rules and accreditation frameworks) is apparently ready for its debut on Nov. 4.

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The Age of Autonomous Servicing: How AI Will Redefine the Borrower–Lender–Investor Relationship

The next revolution in mortgage technology isn’t happening at the front end. It’s unfolding after the loan funds. The future of servicing will be defined by intelligent systems that manage themselves, connecting borrowers, lenders, and investors in real time through AI.

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The Dawn of the Headless LOS: How Agentic AI Will Redefine Mortgage Lending

As the mortgage industry enters a new era of automation, the traditional loan origination system faces extinction. The next generation of lending platforms won’t rely on screens and workflows; they’ll think, decide, and act autonomously.

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Are Mortgage POS Systems Dead? How AI Conversations Will Replace the Front Door of Mortgage Lending

Consumers increasingly trust AI to guide major life decisions, so the traditional mortgage point-of-sale (POS) is losing relevance. The next mortgage application will not begin on a website but in a conversation.

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The $2 Billion Bet: Why Canadian Banks Just Called Everyone Else's Bluff

There's a moment in every poker game when someone pushes all their chips to the center of the table. Last week, RBC and TD did exactly that; except instead of chips, it was billion-dollar AI commitments with their names attached.

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