Hello, 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.

Following their knowledge and expertise, they're developing more creative and effective

solutions, no matter the industry.

Our guest today, A'Brien 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.

...