Changes in applying for loans

I’m writing an article for “U.S. News & World Report” about how the credit and banking industry is changing how we apply for loans. If you work in the credit or banking industry and have insight in how things are changing (i.e., how technology/regulations/changes in how the industry operates/etc is making applying for credit faster, or easier or different in some way), then please feel free to drop me a line. Also happy to hear from academics or personal finance experts.