Higher State of Consciousness

THE FUTURE

THE FUTURE (Extended)

Commercial banks are confronting a rapidly shifting landscape as private credit markets grow toward $3.5 trillion and fintech competitors accelerate their offerings with AI-powered tools. Rather than retreating, traditional institutions are doubling down on technology investments and reimagining their commercial lending strategies to compete in this new environment.

"Banks are not short-term thinkers," says Héctor Pagés, SVP and Head of Global Commercial Lending at FIS. "We're not seeing a slowdown in terms of interest or investment from our institutions, in terms of advancing and changing the ways that they're working."

The response from banks has been multifaceted, according to Pagés. Some retail-focused institutions are shifting resources toward commercial lending, while smaller commercial banks are expanding into more complex lending products. Others are adopting an "originate to distribute" model, partnering with private credit firms to spread risk while generating fee income.

This strategic evolution is happening against a backdrop of regulatory uncertainty, tariff fluctuations, and the continued expansion of non-bank lenders into territory traditionally dominated by banks.

Listen to the podcast to learn about how banks are transforming their commercial lending operations through unified technology platforms, the role of AI in automating credit decisions and underwriting processes, and why cloud infrastructure is becoming essential for global scalability. 


Banks reclaim commercial lending through technology and strategic partnerships

How to take care of yourself when you can’t take care of yourself, how tech broke the job market, and he carries shelter dogs around the city in a backpack to help get them adopted.

This Weekend with Gordon Deal December 13, 2025

Download/Stream - https://fanlink.tv/NC002_ride

Maya Jane Coles returns with the second release on her newly minted Night Creatures imprint, continuing to carve out the label’s late-night, club-focused identity. ‘Ride’ distils Maya’s unmistakable production language into a lean, pulsing dancefloor cut.

Anchored by her signature deep bass weight and taut, rolling drum programming, ‘Ride’ leans into the elements that have long set Maya apart: shadowy atmospherics, subtle melodic detail, and vocal textures stretched and sculpted into something both human and otherworldly. Its minimalist architecture; groove-laden, hypnotic, and built with the precision that has defined her sound for over a decade, creates a sense of tension and motion that sits squarely in her lineage of moody club tracks.

Following ‘Night Jams Vol. 1’, this release further establishes Night Creatures as a dedicated space for Maya’s most focused electronic work. ‘Ride’ is a clear return to the late-night pulse at the core of her catalogue.

Download/Stream

Ride (NC002)

Terrorist attack targets jews at Sydney’s Bondi Beach, Rob Reiner and his wife have died, family say, as police investigate apparent homicide, and the public shaming of fantasy football losers.

This Morning with Gordon Deal December 15, 2025

The battle for over health care is far from over. Nathaniel Weixel from The Hill  has the story.

ObamaCare impasse sets stage for January health care battle

Roshan Fernandez from the Wall Street Journal explores the fun in publicly shaming fantasy football losers.

The Public Shaming of Fantasy Football Losers

What happens when no one understands your career choice? Callum Borchers from the Wall Street Journal takes us behind the headline.

Higher State of Consciousness

Juan Diego Campos