What separates trustworthy Ai from today's conventional Ai models? In this episode of The Pavan Perspective, David Lykken interviews Professor Arin Brahma, leading Ai researcher and co-author of a groundbreaking uncertainty-aware machine learning framework developed in collaboration with AngelAi®. Together, they explore why traditional Ai systems often struggle with uncertainty, bias, explainability, and consistency—and how deterministic Ai is changing the future of mortgage lending, banking, healthcare, and other high-stake industries. Learn how Ai governance, explainable Ai, fair lending, uncertainty quantification, and responsible artificial intelligence are reshaping financial technology and predictive decision-making. If you're interested in Ai, machine learning, mortgage technology, banking innovation, FinTech, compliance, or the future of intelligent automation, this episode is a must-watch.

Speaker Information

Pavan Agarwal

Founder/CEO of Celligence LLC, Creator of AngelAi

Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Empathetic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success.

Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).

Arin Brahma, Ph.D.

Associate Professor, Loyola Marymount University

Arin Brahma, Ph.D. is an entrepreneur, educator, and Ai consultant with over 20 years of experience leading Ai, machine learning, and business transformation initiatives. He is the Founder and CEO of Kognivo Ai and a professor at Loyola Marymount University, where he combines academic research with practical industry expertise to help organizations harness Ai for innovation, operational efficiency, and intelligent decision-making.

Before founding Kognivo Ai, Arin was Executive Vice President at Oracle's Financial Services BPO division and played a pivotal role in building i-flex BPO into a leading global financial services outsourcing company. A published researcher and trusted advisor, he specializes in translating cutting-edge Ai into real-world business solutions while mentoring the next generation of entrepreneurs and technology leaders.

David Lykken

Founder and Chief Transformation Officer | Executive Coach and Business Strategy Consultant | Transformational Mortgage Solutions, LLC

David Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability.

David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.

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