The financial services industry is entering a transformation unlike anything seen since the rise of the internet. In this episode of Lykken on Lending, David Lykken sits down with AI innovator Pavan Agarwal to discuss the emergence of “self-driving mortgages” — fully autonomous lending systems powered by advanced transactional AI. From AI-driven underwriting and servicing to blockchain-enabled financial infrastructure, the conversation examines how autonomous technology is reducing friction, lowering costs, and expanding financial access at a global scale. Pavan shares the decades-long journey behind Angel AI, explains why reliability is the missing link in most modern AI systems, and outlines how autonomous finance could unlock trillions of dollars in economic opportunity. If you want to understand where mortgage banking, fintech, and AI are heading next, this episode provides a compelling look into the future of lending.