While most areas in retail banking have embraced the power of going digital, lending has been a clear laggard.  It is only over the last few years that lending has truly embraced the digital revolution. Spurred by threats from alternative providers and the expectations of consumers whose experiences were shaped by digital interactions elsewhere, lenders are throwing off the shackles of analog processes.  For prospective borrowers this means far less friction between the application and funding stages of a loan.  And for lenders, the acquisition, loyalty, and cost benefits of transitioning to digital are finally being realized.  In this year’s Digital Lending Trends report, Javelin explores three trends that illustrate just how much digital technology is changing the landscape for borrowers and lenders.  Fortunately for all stakeholders, the digital revolution in lending is far from over and there are plenty of positive changes left to come.