AI is the Operating System of Modern Lending

Most banks still treat lending as a point-in-time decision. Pull a score. Make a call. Wait. In today’s environment, that model limits growth and weakens earnings durability. In this episode of Banking Transformed, I speak with S. P. “Wije” Wijegoonaratna, Co-Founder and CEO of Aliya, about how AI-powered operational intelligence is transforming lending from episodic approvals into continuous, governed opportunity exploration. Aliya’s platform connects bank-account data, marketing intelligence, risk decisioning, and post-origination monitoring into a closed loop designed to improve efficiency without increasing balance-sheet risk. Are you operating episodically — or intelligently?

You can listen to AI is the Operating System of Modern Lending online on Radio and Podcast. Open the player on this page to stream the available audio.

AI is the Operating System of Modern Lending is an episode from Banking Transformed with Jim Marous by Jim Marous.

This episode is 44:50 long.

This episode was published on Mar 17, 2026.

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