Historically, there have been cultural biases that have complicated the home-buying process and made home ownership difficult for those in disadvantaged and underserved communities. In this episode of Smart Talks with IBM, Malcolm takes on this subject with Jacob Goldstein, host of What’s Your Problem, and Bryan Young and Steven Better, the cofounders of Home Lending Pal. These two visionaries are using IBM technology, including AI, blockchain and cloud, to create a home-loan process that’s more transparent, secure and equitable. This is a paid advertisement from IBM.