Assisted journeys aren't a legacy model, and digital-first isn't automatically the future. The strongest lending products are designed for both ends of the spectrum.
Strong top-of-funnel, single-digit conversion. The fix wasn't the UX. It was routing the right journey to the right user before the funnel even starts.
The press release is two logos on a page. The real work is wallet integration, reconciliation, and the API suite that decides whether a partnership scales.
Drop-off looked like a UX problem. It wasn't. How segmenting by risk instead of redesigning the screen lifted onboarding completion ~25% with zero increase in fraud.
An internal tool where AI agents draft PRDs, specs, and UAT plans in parallel. I tried to build a version of it. The idea held up better than the implementation.
The production work is disappearing fast. What's left is judgement, and judgement is getting scrutinised harder than ever.