Lending has always been a balancing act. On one side sits growth—approving more borrowers, moving faster, expanding access. On the other side lies risk defaults, fraud, regulatory scrutiny, and long-term portfolio health. For decades, financial institutions tried to manage this tension through increasingly complex rules, scorecards, and predictive models. But those systems were still fundamentally static. They reacted to the world as it was, not as it was becoming.
Today, that limitation is beco