Data architecture

As generative and agentic AI gain traction, the possibility of model drift grows, with consequences ranging from poor loan decisions to reputational hits.

Software startups say bringing borrowers, builders and lenders onto one digital platform can remove some of the risks lenders faced during the crisis.

Using historical patterns to predict the next financial success or crisis seems rational. But beware the human psyche’s tendency to concoct order out of randomness.