> ## Content Index
> Fetch the complete content index at: https://www.therecursive.com/llms.txt
> Use this file to discover other available public pages before exploring further.

# The Future of Lending: AI, Data, and the Human Touch
- URL: https://www.therecursive.com/the-future-of-lending-ai-data-and-the-human-touch/
- Published: 2026-10-31T16:53:00.000Z
- Updated: 2026-11-12T16:54:08.000Z
- Author: The Recursive
- Tags: Podcast

How is digital transformation changing consumer lending, and what role will AI and human judgment play in the future of banking?  
  
In this episode of The Recursive Podcast, we sit down with Mircea Gologan, Head of Consumer Lending Business at DSK Bank, to explore how one of Bulgaria's largest banks is rethinking lending in an increasingly digital and data-driven world.  
  
In this conversation, you will hear about:  
  
✓ How DSK combines customer feedback, behavioral analytics, and automated credit decision-making to deliver more personalized financial services.  
✓ How banks balance digital innovation with responsible lending practices.  
✓ How traditional banks are responding to growing competition from fintech companies.  
✓ The growing role of AI-powered assistants in banking and financial services.  
✓ Why human expertise remains essential in an increasingly automated industry.  
✓ What the next generation of consumer lending could look like.