Why Finance Feels Stuck In the 19th Century

In this episode of The Pavan Perspective, Pooya Mohit and Pavan Agarwal explore why financial services and real estate require a fundamentally different kind of Ai. The conversation dives into transactional Ai, accuracy and traceability in high-stakes decisions, data ownership, and how Ai and blockchain together can support mortgages, real estate workflows, and personal financial management without relying on generic chat models. This episode is a thoughtful look at where Ai is headed in lending and real estate—and what professionals should understand as the industry moves toward greater automation, speed, and accountability. - -Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Pooya MohitOwner of MYFRND MarketingPooya Mohit, based in Norfolk, VA, U.S., is currently the owner of MYFRND Marketing. Pooya Mohit brings experience from previous roles at Bluewater Building Company, VOOV - Your Top Virtual Assistant Partner, and Atlantic Sotheby's International Realty and Rocket Commercial. He has a robust skill set that includes Business Consultation/ Sales, Business Marketing, Commercial Sales & Leasing, Franchising, Real Estate and more. His diversified experience, professionalism, creativity, and exceptional problem-solving abilities make him an invaluable asset for clients. As a Norfolk native and graduate of Old Dominion University, Pooya spends his free time with family, friends, and serving his community.Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.