More than 90% of all issued loans processed at Happen Bank in the second quarter did not involve a person.  That record was driven by AI and machine learning optimizations across the digital bank’s origination pipeline, Chief Executive Scott Sanborn said during the company’s Q2 earnings call on July 27.  The San Francisco-based bank processed nearly 30% more loans in the second quarter compared to Q2 2025 while running its call center with 10% fewer employees year over year — which it credited entirely to AI. “Our […]