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For many years, the banking industry's competitive advantage centered on making better lending decisions. Institutions invested heavily in improving credit scoring models, refining underwriting policies, integrating credit bureau information and, more recently, applying Artificial Intelligence to enhance decision-making.

This year's Global Wellness Day is a reminder that wellness isn't just a buzzword in HR decks. It's about the practical stuff: how we work and whether we have the space, support, and flexibility to show up as ourselves.

For most of the last three decades, credit assessment has followed a fairly familiar path. A customer applies for credit. The lender gathers financial information, reviews bureau data, checks affordability, and makes a decision based largely on historical performance and predefined risk policies.