tificial Intelligence (AI) is changing the way financial institutions make decisions — especially when it comes to loan underwriting. Traditionally, human underwriters relied on credit scores, employment history, and income data to assess whether a…
The financial landscape in Canada is undergoing a remarkable transformation. Over the last decade, the rise of Financial Technology (FinTech) lending platforms has disrupted traditional banking models and provided consumers and businesses with new ways…
Introduction In the last decade, Europe has been at the forefront of financial innovation, particularly in the field of open banking. Introduced under the European Union’s Revised Payment Services Directive (PSD2), open banking has fundamentally…