Shelja Rathi

Shelja Rathi is a Senior Content Leader at Multimodal, where she leads the content program across strategy, SEO, and AI search visibility. She has been writing on fintech, SaaS, and emerging technology since 2016 and holds a Master's in Journalism & Mass Communication. Her work covers agentic AI in lending, credit unions, and private equity, and she structures it to be cited by AI search tools like ChatGPT, Perplexity, and Claude.

Articles by

Shelja Rathi

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August 19, 2026

AI Loan Origination for Credit Unions: The 6 Best Platforms in 2026

Compare the 6 best AI loan origination platforms for credit unions in 2026, which layer each one occupies, and what NCUA examiners expect from AI lending.

August 18, 2026

AI for Credit Union Mergers: Reviewing the Acquired Loan Files and Comparing Two Loan Policies

When two credit unions merge, the merging CU's policies end, and its loan files live on. How to review the acquired book and compare two loan policies.

August 17, 2026

AI for Compliance in Banking: 8 Best Tools for Banks and Credit Unions [2026]

Compare the 8 best AI tools for regulatory compliance in banking, from AgentFlow to Hyperproof: auditability, human oversight, deployment, and pricing.

August 14, 2026

How AgentFlow Integrates with Jack Henry, Fiserv, and Symitar Core Banking Systems

How AgentFlow works alongside Jack Henry, Symitar, and Fiserv core banking systems to automate document processing and lending workflows. No core replacement.

August 13, 2026

Best AI Document Processing Platforms for Credit Unions [2026]

A practical comparison of AI document processing platforms for credit unions, covering extraction accuracy, core system integration, and compliance fit.

August 13, 2026

Using Confidence Scoring to Get Consistent AI Outputs in Regulated Workflows

The same AI can give different outputs on different days. Learn how confidence scoring turns that into consistent, examiner-ready credit union workflows.

August 12, 2026

Do You Need Clean Data for AI?

Waiting for perfect data stalls credit union AI projects. See when clean data matters, when it does not, and how document AI handles messy inputs today.

August 12, 2026

13 Types of AI Agents and Agentic AI (with Examples)

Explore the 13 types of AI agents and agentic AI, from simple reflex to multi-agent systems, with real examples and how credit unions put them to work.

August 11, 2026

Automating HELOC Origination at Credit Unions

HELOC demand is back and fintechs fund in days. The six HELOC-specific steps credit unions can automate, from CLTV and title search to draw-period servicing.

August 11, 2026

What Community Banks Can Learn from Credit Union AI Adoption

Credit unions deployed generative AI ahead of banks, 59% vs 49%. See the five lessons community banks can borrow, the regulatory reality, and where to start.

We Are Not Amazon: AI Without Layoffs at Credit Unions

Credit unions can adopt AI without cutting staff. Get a five-move redeployment playbook, real adoption data, and change management lessons from CU leaders.

Where Do We Even Start? The First Workflow a Credit Union Should Automate

Most credit union AI pilots stall before impact. Use this five-filter test to pick your first AI workflow, with data and lessons from credit union leaders.

Clearing Loan Stipulations with AI: How Credit Unions Fund Indirect Auto Loans Faster

Loan stipulations are the conditions lenders verify before funding. See why manual stip review slows indirect auto lending and how AI clears stips in minutes.

How Credit Unions Should Price AI: Fixed vs Usage vs Per-File

Compare fixed, usage-based, and per-file AI pricing models for credit unions, where each one breaks down, and the 7 questions that make any vendor show the math.

AI Vendor Due-Diligence Questionnaire for Credit Unions (Free Downloadable Question List Inside)

Download the complete AI vendor due-diligence questionnaire for credit unions: 40 questions mapped to NCUA guidance across data, security, and model governance.

Credit Union Fraud Detection in 2026: 8 Ways Agentic AI Prevents Fraud

Credit union fraud detection in 2026 pairs real-time monitoring with agentic AI to verify documents and triage alerts. See 8 workflows and current data.

NCUA AI Guidance 2026: What Examiners Will Actually Ask

AI is absent from NCUA's 2026 supervisory priorities, yet examiners still ask. See the frameworks they benchmark against and what to have ready for your exam.

AI Agents in Finance: 17 Real-World Use Cases

AI agents in finance automate onboarding, credit risk, fraud detection, compliance, and PE due diligence. Explore 17 real use cases with verified results.

19 AI Agents Use Cases in Business

Explore 19 AI agent use cases in business for 2026, from lending and fraud detection to supply chain management, with verified results and adoption data.

Chatbots vs Agentic AI: Rethinking Credit Union Member Service

AI agents in banking finish the work that chatbots only describe. See where credit union member service breaks and how agentic AI fixes the back office.

Best Multi-Agent AI Frameworks in 2026 (Compared)

Compare the best multi-agent AI frameworks in 2026, including LangGraph, CrewAI, Microsoft Agent Framework, and AgentFlow for regulated financial services.

11 Best Loan Origination Software for Credit Unions & Banks [2026]

Compare the 11 best loan origination software platforms for credit unions and banks. See CU fit, core integrations, and how agentic AI speeds loan decisions.

AI in Mortgage Lending: How It Works in 2026

How AI in mortgage lending works in 2026: document processing, underwriting, and compliance, with verified results from FORUM Credit Union and Direct Mortgage.

9 Best KYC Automation Tools for Financial Services in 2026

Compare the 9 best KYC automation tools for financial institutions in 2026: identity verification, compliance, pricing, and what to check before buying.

AI Agents vs. RAG vs. Agentic AI, Explained for the C-Suite

AI agents vs. RAG vs. agentic AI, explained for executives: what each one does, how they differ, and how credit unions use them together to process loans.

Multimodal Q2 2026: Three New Reports, AgentFlow Updates, and More

Multimodal's June 2026 update: three new credit union reports, two CUInsight features, AgentFlow's latest ships, advisory boards, and the Filene trial.

Agentic AI vs. RPA: What’s the Difference?

Agentic AI reasons and adapts; RPA follows fixed rules. See the key differences, a comparison table, and when credit unions should use each in 2026.

Zest Decides, AgentFlow Processes: The AI Lending Workflow Post-Decision

Zest AI and Scienaptic make the credit decision. See who owns the AI lending workflow post-decision, where funding stalls, and how to close the document gap.

What Are Agentic AI Frameworks? A 2026 Guide (With Examples)

Learn what an agentic framework is, how agentic AI frameworks work, and which 2026 options fit banks and credit unions running real production workflows.

AI Loan Approval: How It Works and Tools to Use

Learn how AI loan approval works, where it fails, and how to design compliant, auditable systems lenders can trust in production.

The Incomplete-Packet Problem: Why AI Indirect Auto Lending Breaks After the Approval

In AI-driven indirect auto lending, approvals are fast, but funding stalls on incomplete loan documents. Here is why the packet breaks and how to fix it.

Agentic AI Examples: 7 Real Credit Union Workflows

Seven real agentic AI examples in credit union workflows: loan files, funding packets, KYC, and underwriting, with named outcomes and 2026 results inside.

We Already Have Copilot: Why That Fails in Credit Union Lending

Credit unions running Copilot still fund loans by hand. See why agentic AI in banking, not a copilot, completes the loan file in CU lending.

7 Ways Credit Unions Automate Loan Processing With AI

See 7 ways credit unions use AI for loan origination automation, from document extraction to underwriting, plus how FORUM CU processes 70% more loans.

Best Agentic AI Platforms in 2026: 15 Tools Compared

Compare the best agentic AI platforms in 2026 by use case, deployment, pricing, & standout features, plus the top picks for financial services and credit unions.

What Hardware Is Needed for AI? (2026 Guide)

A guide to AI hardware requirements covering GPUs, TPUs, CPUs, memory, & storage for training and inference, with an on-prem checklist for regulated industries.

Top Enterprise AI Companies in 2026 | Multimodal

2026 buyer's guide to top enterprise AI companies, with an ICP table for banks, credit unions, PE, and insurers.

Multimodal May 2026: New Website, Singapore, NACUSO Reimagine, and the Latest AgentFlow Ships

New ICP-focused website; Milipol TechX in Singapore through Hatch's Dimension X; NACUSO Reimagine with Filene; EDGE26; and the latest AgentFlow ships.

How Community Banks Are Using AI Agents to Compete With Megabanks (Without a Megabank Tech Budget)

AI agents in banking are closing the gap between community banks and megabanks. See the 5 workflows community banks are shipping faster than JPMorgan and BofA.

Automated Underwriting in 2026: How Top Lenders Are Cutting Approval Times by 80%

Automated underwriting cuts approval times up to 80%. See how top lenders use AI to automate document review, income verification, and credit decisions.

AI for SBA Loan Processing: How Lenders Are Automating 7(a) and 504 Workflows

See how AI agents automate SBA 7(a) and 504 loan processing, cutting 150-page package reviews from 12 hours to under 30 minutes with far fewer errors.

How CFOs Are Measuring ROI on Agentic AI in Financial Services

CFOs need more than cost savings to measure AI ROI. Learn the four-pillar framework for calculating hard ROI, soft ROI, and strategic value from agentic AI in financial services.

Explainable AI in Lending: What Regulators Expect in 2026

Financial institutions using AI in lending face rising regulatory scrutiny. Learn what the CFPB, OCC, and FDIC require for explainable AI, fair lending compliance, and model risk management in 2026.

Agentic AI vs Generative AI: What Financial Institutions Need to Know

Agentic AI executes workflows. Generative AI creates content. Learn what financial institutions need, with use cases, a comparison table, and vendor evaluation questions.

Explainable AI in Finance: The Business Leader's Guide to AI Transparency

Explainable AI in finance is now a regulatory and business imperative for banks, credit unions, and PE firms.

Only 1 in 5 Credit Unions Keep Pace With Banks in AI Adoption

Fewer than 20% of credit unions have enterprise-ready AI due to governance and readiness gaps. Here's what the data shows and what's changing.

Adoption Fever: 1 in 3 PE Firms Already Use AI, Others Actively Exploring

1 in 3 PE firms are integrating AI into core processes. See where adoption stands, what it means for portfolio value creation, and how firms are scaling.

From Orphan Pilots to Real ROI: How PE Firms Are Making AI Work

95% of AI pilots in private equity fail. Learn why orphan pilots stall PE firms and how to drive real ROI from AI agents across fund operations.

Multimodal Feb 2026: Lending Webinar, Filene FiLab, Biggest AgentFlow Release Yet

February 2026 update: agentic AI lending webinar with CU operators, Filene FiLab progress, and the biggest AgentFlow release yet. See what we shipped.

69% of Banks and CUs Prefer Buying Over Building AI

69% of banks and credit unions prefer buying AI over building it. Learn why AI adoption is shifting in financial services and what it means.

The Lending AI Playbook: Real Lessons From Mortgage and Credit Union Leaders

Lessons from mortgage and credit union leaders on deploying AI in lending, from document triage to governance and faster loan decisions.

60% of GPs See Revenue Boost from AI at Portfolio Companies

A Pictet survey of 22 PE funds found 60% of GPs see revenue gains from AI at portfolio companies. Here's what drives results, and what the other 40% are missing.

Agentic AI in Private Equity: Our 2026 Report Highlights

See the top findings from our 2026 report on agentic AI in private equity, from due diligence to portfolio monitoring.

February 25, 2026

AI Portfolio Management for Private Equity: A Guide for Operating Partners

How PE firms use AI to monitor portfolio companies, automate LP reporting, and drive value creation. Real workflows, ROI data, and implementation roadmap.

February 24, 2026

An Overview: Top Next-Gen Private Equity Automation Practices

See how PE firms use AI to speed deal sourcing, strengthen risk controls, and streamline reporting across the investment lifecycle.

February 19, 2026

31 Top Agentic AI Vendors in 2026 + 3 Free Options

Explore 31 top agentic AI vendors + 5 free tools shaping enterprise automation in 2026. Compare capabilities, then book a demo to go deeper.

February 18, 2026

Why Financial Services Need Process, Not Workflow Orchestration

Workflow tools speed tasks; process orchestration unifies people, rules, and systems end-to-end for faster, compliant finance operations.

February 17, 2026

AI in M&A Workflows: A Practical Look Using AgentFlow

Practical agentic AI playbooks for target sourcing, due diligence, negotiation, and post-merger integration, built with human oversight.

February 16, 2026

Review: Financial Reporting Automation in Regulated Industries

Review what works in financial reporting automation for regulated firms: governed workflows, audit trails, exceptions, and safe GenAI.

February 12, 2026

Best AI Contract Automation Platforms for Private Equity in 2026

Discover the best AI contract automation platforms for private equity in 2026, with tailored solutions to streamline workflows, improve compliance, and reduce risk.

February 12, 2026

Partnering with Filene to Facilitate the Adoption of Agentic AI in Credit Unions

Explore how Multimodal and Filene are partnering to help credit unions unlock the potential of agentic AI through the 2026 FiLab Agentic AI Discovery Test.

February 12, 2026

Introducing AgentFlow, Agentic AI Platform for Financial Services

Transform financial operations with AgentFlow's flexible, modular platform. Automate end-to-end workflows from KYC to decisioning with no engineering required.

February 11, 2026

Multimodal Jan 2026: MassMutual, NXTUS, Product Updates

January update: MassMutual and NXTSTAGE finalist momentum, AgentFlow playbook expansions, and progress from pilots to production.

February 9, 2026

AI Point Solutions vs. Platforms: Making the Right Call

Discover the pros and cons of point solutions vs platforms. Learn why platforms offer scalability, integration, and long-term benefits for businesses.

February 3, 2026

Who Are the Leading Companies Automating Credit Underwriting?

Discover how automation is transforming credit underwriting, with insights on leading platforms and key trends for financial institutions.

January 29, 2026

Top AI Providers for Credit Scoring and Decisioning

Compare leading AI vendors helping financial institutions improve credit scoring, risk assessment, and decisioning accuracy.

January 28, 2026

The Future of Credit Unions: 2026 Predictions from the Frontlines

Explore expert predictions for the future of credit unions in 2026 — from AI adoption to member growth, operational efficiency, and strategic tech investments.

January 27, 2026

A Guide to AI-Powered Credit Scoring for Banks

A practical guide to how AI-powered credit scoring for financial institutions works, its benefits, challenges, and why execution matters as much as the model.

January 26, 2026

Roundup: Leading Credit Decisioning Solutions for Banks in 2026

Discover the best credit decisioning solutions for banks in 2026 and why AgentFlow stands out with unmatched flexibility and configurability.

January 22, 2026

How to Use AI in Credit Risk Management: Expert Weighs In

Discover how AI transforms credit risk management with expert insights on automation, compliance, and improving credit decisions.

January 20, 2026

How Does an Automated Credit Decisioning System Work? Step-by-Step Example

Explore how automated credit decisioning systems help U.S. banks and credit unions scale faster and safer lending decisions.

January 19, 2026

5 Tech-Forward Credit Union Growth Strategies for 2026

Discover 5 tech-forward credit union growth strategies for 2026, from AI-driven decisions to digital experiences that attract new members.

January 14, 2026

A Guide to Decision Intelligence Platforms for Financial Services

Learn how decision intelligence platforms like AgentFlow automate high-stakes workflows across finance with safety, auditability, and control.

January 13, 2026

Automate Fraud Detection in Commercial Loan Processing with Agentic AI

Detect fraud across the loan lifecycle with AgentFlow. Automate reviews, flag risk early, and generate audit-ready decisions from start to finish.

January 12, 2026

The Hottest Credit Union Growth Trends in 2026

Discover 2026 credit union growth trends, and why agentic AI is now essential for member growth, loan velocity, and survival.

January 8, 2026

How to Increase Credit Union Member Engagement With Agentic AI

Discover how credit unions can increase member engagement in 2026 using Agentic AI to personalize, automate, and grow trust at scale.

January 6, 2026

Enterprise AI in 2026: Top 9 Alternatives to Beam.ai

Top 9 alternatives to Beam.ai for enterprise AI workflows. Compare tools and see why AgentFlow is best for finance and insurance automation.

January 6, 2026

De-Risking Agentic AI: Our Security, Trust & Governance Systems

De-risk agentic AI in regulated environments with governance-first design, bounded autonomy, auditability, and built-in human oversight.

December 31, 2025

December 2025 Company Update – From Pilots to Production

December 2025 update: NYSE podcast, new Playbooks, Nextus accelerator, platform upgrades, and customer growth across finance and insurance.

December 24, 2025

Top 11 Relevance AI Alternatives in 2026: Best Agent Platforms for Finance, Ops, and Automation

Top 11 Relevance AI alternatives ranked by use case. Compare agent platforms for finance, sales, RPA, and more, plus why AgentFlow leads in regulated AI.

December 24, 2025

Top 11 UiPath Alternatives in 2026: AI‑Driven & Enterprise‑Ready Automation Platforms

Compare the top UiPath alternatives for 2026, from enterprise RPA to AI automation to workflow tools, built for scale, security, and real results.

December 24, 2025

Conversational AI for Banking: How 2026 Systems Think, Act, and Comply

Conversational AI in banking is evolving. Discover use cases, architecture, and safety practices for 2026-ready, compliant AI systems.

December 22, 2025

Exploring the Top 8 AI Trends in Fintech in 2026

Discover the top AI trends in fintech for 2026, from risk management to fraud prevention, and how AI adoption is transforming financial services.

December 19, 2025

How to Vet Agentic AI Vendors for Regulated Industries: A Practical Checklist

Learn how to evaluate agentic AI vendors for regulated industries, focusing on compliance, security, integration, and real-world results.

December 18, 2025

Meet Progress Tracker: Gain Full Visibility Into Your AI Workflows

Track every step of your AI workflows with Progress Tracker. Get real-time visibility into agent actions, decisions, and data flow in AgentFlow.

December 18, 2025

How to Use Agentic AI in Finance (2026)

Discover how agentic AI in finance is transforming financial services with real-world use cases, deployment tips, and practical insights.

December 16, 2025

Best 9 AI Tools for Insurance Companies in 2026

Discover the best AI tools for insurance in 2026. Compare top solutions by use case and see why AgentFlow powers full insurance workflow automation.

December 15, 2025

Conversational AI in Insurance: 2026 Guide to Automation, CX, and Claims Efficiency

Discover how conversational AI is transforming insurance in 2026, from claims automation to CX, powered by secure, agentic platforms like AgentFlow.

December 9, 2025

10 AI Agent Statistics for 2026: Adoption, Success Rates, & More

These stats show agentic AI delivering real value and transforming workflows in 2026. Its rapid rise signals a new foundation for enterprise automation.

December 8, 2025

State of Agentic AI in Credit Unions: Insights for 2026

Agentic AI is shifting from pilots to core operations in credit unions. See trends, ROI, workflows, and vendor insights in the State of Agentic AI Report.

December 5, 2025

AWS and Multimodal Unite to Advance Agentic AI

Multimodal and AWS join forces to provide enterprises with secure, scalable infrastructure for deploying and managing production-grade Agentic AI.

December 5, 2025

9 Agentic AI in Finance Statistics: Must-Know Data in 2026

See how agentic AI is transforming finance in 2026. Explore 9 data-backed stats on adoption, ROI, onboarding, support, and what’s holding institutions back in 20

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