What's in this episode: The 70+ document format challenge crushing retail banking's digital lending operations. How underwriters waste 30-40% of their time on admin tasks instead of risk assessment. Four specialized agents (Document Classification, Checklist Validation, Underwriting, Proposal Generation) that process 300,000+ loans monthly with 95% accuracy. Real numbers from banks achieving 80% faster processing, 171% ROI in 18 months, 5X application capacity without proportional staffing. The 5-phase deployment reality - foundation to full production in 12-18 months with $450K-1.7M investment. What breaks with edge cases like seasonal employment and thin-file borrowers. Why document diversity requires specialized agents, not monolithic systems. SimplAI research from retail banking deployments handling the $81 billion digital lending transformation.

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