Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. If you want to understand just how imperative it is for banks – particularly community banks – to move to digital, you’re going to want to listen to Dan O’Malley. Dan’s a co-founder and CEO of Numerated, a firm that digitizes the loan experience. He’s working with over 100 FIs who he believes are finally getting the gospel on the need to digitize. For smaller banks that have differentiated on service, the next step is to automate with technology. And if they can’t or don’t do it fast enough, Dan actually believes it’s an existential issue for thousands of financial institutions in the U.S. Dan O’Malley is my guest today on the Tearsheet Podcast.