AI isn’t about science fiction or replacing humans—it’s about helping people, institutions, and economies work smarter. Used responsibly, it can empower everyday workers, re-industrialize America, and restore productivity where it matters most.
In banking, AI’s role is simple but transformative: making the average employee 50x more productive so they can better serve customers. That means fulfilling the core social contract of banking—safely transforming the deposits of hardworking Americans into affordable, fairly-priced credit.
Zooming out, AI gives the American worker superpowers. It helps us move beyond what’s considered “efficiently possible” and extend liquidity to more households and businesses.
Look at the mortgage market for example: the average FICO score on loans originated over the past five years is 754. Now look at credit cards—why are rates still above 25%? It’s been this way for decades, and that’s unacceptable.
A healthy, stable money multiplier is essential for U.S. growth. Achieving that doesn’t mean more risk, it means changing how credit is built and distributed.
As Steve Jobs said, “It’s about thinking differently.”
Imagine standing in the observation booth at Apollo 13 mission control: hundreds of specialists monitoring real-time data, anticipating anomalies, and adjusting outcomes. That same first-principles rigor can be applied to lending—minus the life-or-death stakes.
Traditional lending is linear: market a product, collect applications, run credit checks, verify identity, fund loans, and service accounts.
AliyaOS transforms that static, human-heavy workflow into an agentic system that:
- Operates 100% digitally with zero human intervention.
- Uses AI and real-time borrower data to assess true cashflow and predict default.
- Prices loans precisely based on individualized risk.
- Builds portfolios bottom-up around target risk-adjusted returns—letting portfolio design drive marketing, not the other way around.
- Closes loans in under five minutes, creating positive selection bias.
The result: ~50% lower losses, ~13% net yields, 5%+ ROA assets, and 90% lower production costs.
AliyaOS is what operational AI looks like in practice—real, measurable, and transformative.
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AI in Banking: From Hype to Operational Impact
AI in banking isn’t about replacing humans — it’s about amplifying them. When applied responsibly, it has the power to make the average employee 50x more productive, extend credit more fairly, and strengthen the financial backbone of our economy.
For decades, the fundamentals of lending haven’t changed — even as the technology around it has. The opportunity isn’t in more automation for automation’s sake, but in rethinking how liquidity is created, priced, and distributed.
At Aliya, we believe operational AI is already reshaping this equation — not as hype, but as measurable operational impact.
Read the full article to see how first-principles thinking, real-time data, and responsible AI can transform lending from the ground up.
