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Articles and posts on an array of topics on high technology business growth


AI Is Reshaping Mortgage Lending. The Real Test Is Leadership.
If I Was a Board Member of a Top Ten Lender Dain Ehring November 2025 f I were a board member at a top mortgage lender, I’d think about my business not in terms of balance sheets but in terms of interactions—roughly 100,000 a year. That’s about twice the number of U.S. touchpoints BMW has with its 5-Series customers. Each one is a moment of truth: a chance to build trust, reinforce the brand, and either streamline or frustrate a borrower’s experience. My responsibility as a d

Dain Ehring
Nov 16, 2025


Smart Lending, Wrong Beach: Where AI Sends Bankers to Sink or Swim
by Dain Ehring November 2025 AI is new and everywhere, it creeps into every corner of modern finance, and the more we pretend otherwise, the more it lurks, ready to bite—not unlike the monster under your childhood bed, except this one actually watches your stock portfolio. It frightens us a lot, and not in the fleeting way an ugly quarterly report does, but with the bone-deep anxiety that only existential threats evoke. It’s rarely subtle: the news headlines scream that China

Dain Ehring
Nov 11, 2025


Neurosymbolic AI: Because ‘Probably’ Doesn’t Cut It When Handling Your Money
Dain Ehring November 2025 The New Trend in AI for Financial Services: Explainability There’s a moment in every good thriller when someone realizes the computer is a little too smart for its own good. It’s fast, decisive, weirdly confident, and, more often than we want to admit, dead wrong. Welcome to deep learning: brilliant at guessing, terrible at explaining. Now meet its uptight sibling: symbolic reasoning, the type who worries about library fines and still balances thei

Dain Ehring
Nov 4, 2025


Not a Scam, Just the American Way
Why the 30-Year Mortgage Still Matters Response to Mr. Brenner’s Commentary in the WSJ, October 8, 2025 By Dain Ehring October 2025 Patrick Brenner is the President and CEO of the Southwest Public Policy Institute , a research institute dedicated to "improving the quality of life in the American Southwest" by formulating, promoting, and defending sound public policy solutions. His latest WSJ commentary, in October 2025, launches a sort of rhetorical grenade at the 30-year mor

Dain Ehring
Oct 15, 2025


Who Owns the Future?
AI, Web3, and User Sovereignty in Financial Services Lending Gets an Upgrade (Whether It Likes It or Not) By Dain Ehring October 2025...

Dain Ehring
Oct 10, 2025


Web3 User Sovereignty Comes with Responsibility
Why Reading the Fine Print and Disclosures in Agreements Is Critical: Protecting Your Data in a Connected World By Denzil Dsouza, Oct...

Denzil Dsouza
Oct 6, 2025


Quality of Life in Housing? Look to Eastern Medicine and Web3
photo by Eudora Welty (copyright protected) By Dain Ehring October 2025 The United States is not feeling well. It is sick. Our wellness...

Dain Ehring
Oct 1, 2025


Distressed by Design: FHA—Does Affordability Create Unaffordability?
Dain Ehring, Sept 2025 In spring this year, the Wall Street Journal published an editorial, “Biden’s Mortgage ‘Relief’ Fuels Higher...

Dain Ehring
Sep 26, 2025


A Breakdown of the Changes in FHA Distressed Loan Mitigation, New Guidelines Impact, and Remediation
Dain Ehring April , 2025 Current FHA Loss Mitigation Process The current workflow for the Federal Housing Administration (FHA) loan...

Dain Ehring
Sep 17, 2025


Transforming the Mortgage Landscape: The Impact of AI, Blockchain, Tokenization, and Web3 on Digital Mortgage Products and Services
How Emerging Technologies Will Revolutionize Mortgage Origination, Processing, and Ownership By Denzil Dsouza, September 2025...

Denzil Dsouza
Sep 16, 2025


AI DECISION MAKING IN THE CROSSHAIRS
With the CFPB turning its attention to the use of artificial intelligence within the mortgage process, here's what ou need to know.

Dain Ehring
Sep 15, 2025


Unleashing Innovation: Lessons from Silicon Valley Legends
I have a photo of Steve Jobs and me hanging on the wall in my home office. We both had hair.

Dain Ehring
Sep 8, 2025


The Aritificial Intelligence Conundrum in Modern Business
Separating Hype from Substance in the Age of Automated Solutions Denzil Dsouza September 2025 Introduction Artificial Intelligence (AI)...

Denzil Dsouza
Sep 8, 2025


ROI Potential of Smart Contracts in Mortgage Warehouse Lending
Current State in Warehouse Lending Research Gate; Uploaded by Karen M. Pence, Board of Governors of the Federal Reserve System: “...

Dain Ehring
Sep 8, 2025
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