APPENDIX
Acknowledgments and Credits
As we draw this edition to a close, it's crucial to acknowledge the myriad contributions that have enriched this evolving work. Each chapter, insight, and innovation articulated within these pages are built on the foundational efforts of thinkers, skilled writers, insightful researchers, and creative designers, as mentioned below. Their collective efforts have not only shaped the present contours of this work but also set a path for its continual evolution; hence “Evolving Book” (eBook).
We extend our deepest thanks to the authors whose pioneering theories and relentless curiosity have established the bedrock for this discourse. Their work continues to inspire and propel forward the frontiers of knowledge. The writers who have skillfully translated complex concepts into engaging and clear narratives also deserve our profound gratitude. Your adept writing has opened sophisticated ideas to a broader audience, making the intricate accessible and engaging.
Our design partner, Foleon, merits a special mention for their creativity in translating written content into visually engaging formats, enhancing both the aesthetic and functional quality of this book. Their innovative flair and attention to detail have elevated the reader's experience substantially.

Acknowledgment is also due to our diligent editors and proofreaders, whose eye for detail ensures the high accuracy and quality of our content. Their work in refining and polishing the text is invaluable in maintaining the integrity of this work.
Importantly, in keeping with the ethos of an "evolving book," we commit to periodically revising and updating this work. This continuous evolution will ensure that the insights and knowledge contained herein remain relevant and reflective of the latest developments in the field.
To all involved, from those who laid the initial groundwork to those who will contribute to its future iterations—your collaborative efforts make this dynamic, living document a reality. This chapter, and indeed the entire book, stands as a testament not only to the vast contributions to date but also to the ongoing journey of exploration and enlightenment that lies ahead.
Thank you to every contributor below for your indispensable roles in this ongoing project. Here's to the continued journey of this evolving book (eBook), may it inspire, educate, and evolve as a beacon of collective wisdom and innovative thought.
- Original work: Ashley Simpson (Writer), Jose Acosta (Design), Michael Wojcik (Project Lead), Lucy De Oliveira (Executive Producer)
- Writers: Amy Gromowski, Tris Matthews, Devin Caster, Shiraz Datta
- Design: Shiraz Datta, Joanna Mantilla (Foleon digital designer)
- Executive Producers: Sarah Wright, Todd Taylor, William Gillis.
- Project Manager: Shiraz Datta
Bibliography
- U.S. Department of the Treasury. (2024). Managing Artificial Intelligence-Specific Cybersecurity Risks in the Financial Services Sector. https://home.treasury.gov/system/files/136/Managing-Artificial-Intelligence-Specific-Cybersecurity-Risks-In-The-Financial-Services-Sector.pdf
- BkackFIN Group (2024). Artificial Intelligence (AI) in Mortgage Banking. https://lp.constantcontactpages.com/sl/l2KWdBu/aireport
- Wikipedia. (2019, February 18). Artificial Intelligence. Wikipedia; Wikimedia Foundation. https://en.wikipedia.org/wiki/Artificial_intelligence
- Mortgage Lender Sentiment Survey® Special Topics Report Artificial Intelligence and Mortgage Lending --Comparison to the 2018 study. (2023). https://www.fanniemae.com/media/49231/display
- Sahota, N. (n.d.). The New Era Of Financial Freedom: AI Disruption Of Mortgage Lending. Forbes. Retrieved July 19, 2024, from https://www.forbes.com/sites/neilsahota/2024/02/15/the-new-era-of-financial-freedom-ai-disruption-of-mortgage-lending/
- Mital, A., & Varshneya, A. (n.d.). ARTIFICIAL INTELLIGENCE with Consumer Lending. https://www.mba.org/docs/default-source/membership/white-paper/memb_assoc_wp_9193553_tavant_consumer_lending_whitepaper_ai.pdf?sfvrsn=3a134473_1