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AI is the Operating System of Modern Lending

Most banks still treat lending as a point-in-time decision. That model limits growth and weakens earnings durability.

Published on March 2026 in Loan Growth

Featuring: S.P. Wijegoonaratna, Aliya

In this episode of Banking Transformed, I speak with S. P. “Wije” Wijegoonaratna, Co-Founder and CEO of Aliya, about how AI-powered operational intelligence is transforming lending from episodic approvals into continuous, governed opportunity exploration.

Aliya’s platform connects bank-account data, marketing intelligence, risk decisioning, and post-origination monitoring into a closed loop designed to improve efficiency without increasing balance-sheet risk.

Are you operating episodically — or intelligently?

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