The application process as enabling prospects to "tell their financial story." 

Why that is challenging in an environment where the combination of unaffordable housing and scarily high consumer credit, and how those factors push some applicants down the path of "unsavory" practices.

The insecurity and inefficiency of existing processes.

The number of point solutions involved in today’s screening process, and the opportunity to bring multiple checks into a single process.

How regulation will affect AI adoption, the importance of transparency, and why AI makes that more challenging, not less.