The Lending Link

Why is fraud getting harder to spot just as AI gets better at pretending to be human? In this episode of The Lending Link, host Nathan George sits down with Justin Keene, Ph.D., CEO and Co-Founder of Moveris, to explore one of the fastest-growing threats in digital onboarding and account access: deepfakes and AI impersonation.They talk about why old ways of spotting fraud, like checking device information, how people act, and even video checks to see if someone is real, are not enough anymore. As AI-powered attacks become smarter and easier to deploy widely, scammers can now bypass many of the checks that banks and lenders have relied on for a long time. Justin shares how Moveris tackles the problem in a new way by looking for real signs that a person is actually there, not just signs of trickery, using body and mind signals picked up by a regular camera.They also talk about how AI is changing the way fraud works, making smaller banks, credit unions, and lenders who work with people with lower credit scores more likely to be targeted. They explain why tricks like using stolen usernames and passwords, reusing old identities, and using fake videos to fool people are happening more often. They end by looking to a future where showing you are a real person and the same person each time could become the main way to prove who you are online, instead of using passwords, CAPTCHA, and other steps that slow things down.

Why is underwriting small businesses so much harder than underwriting individuals? In this episode of The Lending Link, host Nathan George sits down with Michael LaSala from Baselayer to unpack one of the most persistent challenges in small business lending: verifying identity when businesses do not fit clean, predictable profiles.They discuss why matching business names, owners, and entities is much more complicated than verifying consumers. Fragmented data, thin files, and unstructured information make things harder for lenders, leading to more risk and manual reviews. Michael explains how lenders can use AI to organize messy data, identify useful behavioral signals, and better distinguish real businesses from fraud.They also talk about how automation speeds up decisions, helps more applicants finish the process, and lets underwriting teams focus on more important tasks. The conversation looks ahead to new trends like Know Your Agent and more applications, and to what lenders should do as AI continues to change small-business onboarding and credit decisions.

How is data science changing the way we lend? In thisepisode of The Lending Link, host Nathan George sits down with Aarthi Muthukrishnan, Chief Product Officer at GDS Link, and Jose Tagunicar, Head of Product Strategy at Stratyfy, to discuss how AI, transparency, and ongoing learning are shaping credit decisions.

Most lenders are still treating bank data like a second-look tool. That’s a missed opportunity.Open banking has changed, and so has the way lenders can use cashflow data to make smarter, faster credit decisions. But with so many different aggregators, confusing connections, and news from the CFPB and JPMorgan, it can be tough to figure out what really matters.That’s where this conversation comes in.GDS Link and Quiltt teamed up for an open, straightforward discussion about what lenders should be doing with bank data right now. We’ll talk about:What the shift from screen scraping to OAuth really means for your teamHigh-impact use cases that go beyond second-look and drive real ROIHow to get started when you’ve got limited resources and no room for trial and errorWhat small lenders can learn from big players, even without a large budgetA straightforward look at the CFPB and Chase news, without the hype

Most conversations about fraud either overcomplicate the tech or overlook what's happening on the ground. This one skips the noise and gets real.Join Darren Thomas, Director of Data Solutions at Point Predictive, Justin Davis, Vice President of Product at Point Predictive, and Nathan George, Head of North America Partnerships at GDS Link, for a fireside chat built around what lenders are really dealing with today; from synthetic identities and fake documents to how fraudsters are now using AI better than some lenders.You'll get a clear breakdown of how machine learning fits into daily fraud prevention, why generative AI creates new risks, and what to watch for in digital and face-to-face channels. The conversation also covers how to test fraud solutions effectively, reduce friction, and measure what's working without slowing down your process or frustrating your team.