Purposeful AI, Tokenized Mortgages, and What Community Banks Must Do Next

Episode notes

Host Sam Kilmer gathers Reva Rao (Head of Digital Transformation, Blend), David Ladic (SVP, Zafin ), Adam Aspes (Partner, FINTOP ), and co-host Kelli Schultz for a candid hallway conversation. They trade “day-in-the-life” views (and nonstop event planning), argue for purposeful AI over buzzwords, and unpack regulator-ready AI governance (from “know your agent” to vendor disclosures). The group debates blockchain/tokenization in mortgages, smart-contract enforcement, fraud realities, and whether consumers even care about the rails - so long as pricing and trust improve. It closes with a challenge to community FIs: get entrepreneurial, use your data, personalize beyond product silos, and solve for outcomes - not tech for tech’s sake.

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