AI is the Operating System of Modern Lending

What this episode covers

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? #Banking #Lending #DigitalTransformation #AI #CustomerExperience

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Frequently Asked Questions

How long is this episode of Banking Transformed with Jim Marous?

This episode is 44 minutes long.

When was this Banking Transformed with Jim Marous episode published?

This episode was published on March 17, 2026.

What is this episode about?

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”...

Can I download this Banking Transformed with Jim Marous episode?

Yes, you can download this episode by clicking the download button on the episode player, or subscribe to the podcast in your preferred podcast app for automatic downloads.