Hello, welcome to a new season of Smart Talks with IBM, a podcast from Pushkin Industries,

I heart radio, and IBM.

I'm Malcolm Gladwell. This season we're talking to new creators, the developers, data scientists,

CTOs, and other visionaries who are creatively applying technology in business to drive change.

Channeling their knowledge and expertise, they're developing more creative and

effective solutions no matter the industry.

Our guest today are Brian Young and Stephen Better.

Co-founders of Home Lending Pal.

Home Lending Pal is a member of the IBM Hyper Protect Accelerator, an investment readiness and technical

mentorship program that supports impact focused startups leveraging highly sensitive data.

Their story is a perfect place to start our season.

They recognized a profound problem, the horrible process of getting a home loan, especially if you're part

of an underserved community, a process that as you'll hear is not only confusing and

complex, but often deeply unfair.

So Brian and Stephen teamed up to use technology

to attack that problem in a bunch of creative ways.

You'll hear how they're tapping into blockchain to make the

home loan process more transparent and fair, using AI to help people learn how to

qualify for a loan, and relying on IBM technology to store

consumers most sensitive information safely in the cloud.

Brian and Stephen talked with Jacob Goldstein, host of the Pushkin podcast, What's Your Problem?

Jacob has covered technology and business for over a decade, first at the Wall Street Journal, then at NPR.

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