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TechTarget

AI-driven embedded lending emerges as digital finance option

January 28, 2026

AI-driven embedded lending

In this TechTarget podcast, Yaacov Martin, CEO of Jifiti, unpacks how AI is accelerating the shift from traditional, channel-bound lending to lending that is embedded directly into real customer moments. The conversation explores how AI enables smarter decisioning, real-time orchestration, and more seamless borrower experiences, while also raising important questions about infrastructure, integration, and readiness.

As AI agents increasingly search, evaluate, and initiate financial services on behalf of users, the podcast makes clear that lenders need more than surface-level automation. They need lending systems that are end-to-end, modular, and designed to operate across channels without manual intervention.

Key takeaways include:

  • Why embedded lending is evolving beyond the point-of-sale into a broader, AI-enabled credit model
  • How AI improves speed, accuracy, and efficiency across the lending lifecycle
  • The growing importance of machine-readable, API-driven lending infrastructure
  • Why orchestration across KYC, underwriting, compliance, and disbursement is critical
  • What banks and lenders must do now to ensure their loan products remain visible and accessible in AI-driven customer journeys

Get more AI-lending takeaways and insights on TechTarget.

Jifiti powers white-labeled embedded lending solutions for banks, lenders and merchants.

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