AROBS Group’s Post

Most credit unions are leaving growth on the table. They're using AI for underwriting—but stopping there. Meanwhile, opportunities to deepen member relationships, predict needs, and prevent churn are slipping through the cracks. The difference? Thinking beyond approval. AI's real power isn't just saying "yes" or "no" faster. It's transforming the entire member journey—from the first prescreen to cross-sell opportunities to collections. It's turning data into action and fragmented touchpoints into seamless experiences. Join Jeff DeShane (VP of Consumer Lending, People Driven Credit Union), Tracy Kaufman (Chief Lending Officer, Wildfire Credit Union) and Eric Steinhoff (EVP Client Impact, Scienaptic AI) in an on-demand webinar in partnership with MeridianLink, as they break down how to: ✓ Grow approvals without inflating risk ✓ Personalize experiences at every stage ✓ Build the data infrastructure that makes smarter decisions possible This isn't theory. It's how leading credit unions are winning. Webinar Link - https://lnkd.in/eSfRy8wV #CreditUnions #AI #Lending #MemberExperience #Credit #FinancialInclusion

📢 Artificial Intelligence is transforming consumer lending - and DataOceans will be part of the conversation. Next week at the American Financial Services Association's Annual Meeting, Lawrence Buckley, SVP of Business Development, will join the general session: Is Next-Gen Data the Future of Consumer Lending? The discussion will explore how AI is enabling sharper risk assessment, smarter originations, and more personalized borrower experiences - driving a new era of data-driven lending and compliance excellence. #AFSA2025 #AutoFinance #ConsumerLending #AIinFinance #DigitalTransformation #AITransformation #FinancialServices #DataOceans #NextGenData #BorrowerExperience #Compliance

Excited by the rapid advancements in digital lending platforms that leverage AI-driven underwriting! These intelligent systems analyze vast amounts of data in real time, enabling banks and NBFCs to offer faster, more accurate, and fairer credit decisions—particularly critical for empowering underserved sectors like agriculture and MSMEs. The integration of AI not only boosts efficiency but also transforms customer experience, driving financial inclusion to new heights. #DigitalLending #AIUnderwriting #FintechInnovation #FinancialInclusion #BFSI #SmartFinance

The Bank Said No. AI Said Yes — and It Was Right. A small construction firm was denied funding by traditional underwriting. But when an AI model reviewed the same data — it saw something the bank didn’t. Within hours, it approved the loan. That project went on to deliver a 17% ROI and expand jobs in the region. AI didn’t replace the lender. It empowered them to see risk differently. The real disruption isn’t automation — it’s accuracy. Would you have said yes? #AI #Fintech #CommercialLending #Innovation #ArtificialIntelligence #BirchCapital #FinanceTransformation

The Bank Said No. AI Said Yes — and It Was Right. A small construction firm was denied funding by traditional underwriting. But when an AI model reviewed the same data — it saw something the bank didn’t. Within hours, it approved the loan. That project went on to deliver a 17% ROI and expand jobs in the region. AI didn’t replace the lender. It empowered them to see risk differently. The real disruption isn’t automation — it’s accuracy. Would you have said yes? #AI #Fintech #CommercialLending #Innovation #ArtificialIntelligence #BirchCapital #FinanceTransformation

Every second matters in credit union contact centers because offering instant solutions is a trend! Are your agents struggling to respond promptly and contextually, even after having AI in place? Put your worries aside and switch to AI-driven workflow optimization tools, which streamline workflows, improve productivity, and promote seamless integration with business applications and databases. Read the blog to learn how AI-powered workflow optimization tools boost agent productivity in credit unions. https://zurl.co/9sQZD #WorkFlowOptimization #CreditUnionContactCenter #AIPoweredContactCenter #ContactCenterIntegration #AgenticAI #NovelVox

David Chung, Partner at Simon Kucher, explores the $300 billion embedded finance opportunity, discussing three key market trends driving growth. He shares insights on revenue acceleration strategies for financial institutions, fintechs, and software providers while examining AI's transformative impact on the industry's future.

Traditional underwriting is evolving fast and AI-driven workflows are now enabling lenders to assess risk, affordability, and eligibility in real-time. By combining Document Intelligence, alternate data, and predictive models, financial institutions can move from rule-based decisions to context-aware underwriting. The future of lending is not just automated but it is adaptive, data-driven, and AI-empowered. 🚀 #underwriting #LOS #banking #AIDrivenLending #Lending #LoanOrigination #AI #ML

Think interoperability is boring? Then you’re missing the biggest strategic moat in lending. MISMO isn’t just interoperability, it’s strategy. Lenders who standardize data across origination, servicing, and secondary gain speed, lower repurchase risk, and AI that’s actually accurate. When your VOI/VOA, disclosures, conditions, and servicing events share the same definitions, audits get simpler and partners plug in faster. Want a moat? Start by eliminating custom fields, mapping to MISMO first, and measuring “data certainty” like you measure turn time. The compounding effect is real. If you lead in lending, ops, or tech and want a simple “how to start” checklist, DM me.