In this episode of Banking on Information, Rutger van Faassen interviews Matt Bivons, Founder & CEO of Canopy, about revolutionizing lending through modular APIs, personalization, and modern technology. They discuss the future of lending, AI's role in fintech, and how businesses can prepare for a more integrated and data-driven financial ecosystem. Key Words: Lending innovation, Fintech, Canopy, Modular APIs, Personalization in lending, Banking core systems, Post-origination software, AI in fintech, Data-driven financial services, Vertical software integration, Future of lending, Revolving credit, Loan management platforms, Financial institutions Chapters 00:00 Introduction to Canopy and Its Mission 04:00 Understanding the Pain Points in Lending 09:28 Future of Lending: Trends and Predictions 13:13 Preparing for the Future of Lending