Borrowing money is linked to the biggest events of our lives — everything from the honeymoon of your dreams to opening a small business. This makes it one of the most important customer journeys out there. But actually getting a loan is often a frustrating experience. Lending is one of the least digitized services in banking and usually involves a tedious application experience, as well as a lengthy wait time. This is mainly due to the inherent credit risk involved, which typically requires review by multiple departments, as well as multiple steps and complex workflows.