Lending Automation

The Human-AI Partnership in Credit Decisions

Source: AI Credit News Editorial By: Editorial Team Published: February 4, 2026 beginner
Summary

Effective lending combines AI for routine decisions with human underwriters for edge cases, achieving both speed and accuracy.

The most effective lending operations combine AI efficiency with human judgment. This hybrid approach uses algorithms for routine decisions while escalating edge cases to experienced underwriters. The result is both speed and accuracy.
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