A changing economic landscape, marked by surging inflation and rising interest rates, is presenting opportunities for lenders to adapt and evolve. With historically high origination volumes in 2021 followed by a decline in mortgage demand, lenders are facing a more competitive market that requires them to focus on building compelling consumer experiences and improving backend processes. To navigate this environment, lenders need to effectively evaluate credit worthiness, expand credit to more customers, understand multiple income sources for single applicants, manage evolving risk, reduce fraud, and drive operational efficiency through automation. With the right tools, such as Plaid's Assets and Income solution, lenders can gain visibility into a borrower's entire credit portfolio, identify common types of primary and secondary outflows and inflows, and optimize repayment timing to minimize NSFs and delinquency risk profiles. By automating repetitive tasks and leveraging technology, lenders can save up to $70 billion by 2025 and implement time-saving and best-in-class operations.