Real-time data, smarter decisioning and a shift beyond traditional credit models are redefining the future of lending. At FTT Lending last March, we had a chat with Zak Lambert, Head of Product, Plaid , who joined us to unpack what this transformation really means for the industry, and why the pace of change is accelerating.

Today, lenders have access to richer, real-time data that paints a far more accurate picture of a consumer’s financial behaviour. This shift is critical in addressing one of lending’s biggest challenges: expanding access to credit while maintaining strong consumer protections. By leveraging data that consumers are willing to share, lenders can make more informed, responsible decisions, unlocking access for those with thin or invisible credit files while still managing risk effectively.

At the same time, collaboration across lenders, fintechs, and platforms is accelerating innovation. The partnerships that stand out are those built on transparency and speed, with a clear focus on customer outcomes. As decisioning cycles become faster, helping customers understand how their data is used, and what it means for them, can significantly improve trust and engagement, turning what was once a “black box” into a more transparent, user-centric experience.

Looking ahead, lending is becoming increasingly personalised, real-time, and responsive. With consumer lending catching up to innovations long seen in the B2B space, the shift toward dynamic, tailored credit experiences is well underway.

Watch the full conversation with Zak Lambert:

Join us at FTT Fintech Festival on the 9th – 10th November 2026 at The Brewery, London to be part of the conversations about what further innovations are on the horizon for  lending.