The document summarizes a panel discussion on lending trends between representatives from Pinnacle Financial Partners, ESL Credit Union, and Bank of the Pacific. The panelists discussed their strategies for targeting millennial borrowers as wealth transfers to that generation. They also addressed how financial technology (Fintech) and alternative lending are changing customer expectations and industry processes. Panelists described steps their organizations are taking to improve lending processes through greater user engagement, data use, and technology that enables more collaborative workflows.