In this special episode of Lending Link, GDS Link's President and CEO, Paul Greenwood, sits down with the FedFis' Fintech Cowboys to discuss his 20+ years within the credit risk industry and the challenges of making changes to credit policy. Paul shares his insights on using data to target marketing to qualified borrowers and how GDS Link Marketing Services provides customized solutions for lenders through an omnichannel marketing strategy.   Paul also discusses the commercial repricing opportunity in the current cycle, the impact of the work-from-home shift on banking, and the emergence of fintech in the last ten years. He explores the increasing need for banks to embrace online lending and plug into the lead side of marketing. The episode ends with a discussion on some of the drawbacks of digital banking, the importance of storytelling, and the unique feeling that community banking delivers.   Join us for this insightful conversation on the future of banking and the importance of outreach within community banking. Stay connected with The Lending Link! Subscribe and follow our listening and social platforms, plus access exclusive GDS Link offerings here: https://linktr.ee/thelendinglink