John Sun
Spring Labs CEO and Co-Founder
John is the Founder and CEO of Spring Labs, the first fully AI-first conversation intelligence and automation platform for financial institutions. Spring Labs works with leading banks, sponsor banks, and fintechs to help them better understand what their customers are telling them.
Before Spring Labs, John spent his career building tech-forward consumer fintechs, first as SVP of Analytics at Enova (NYSE: CSH), and later as the co-founder and Chief Risk Officer at Avant. He has been recognized for his pioneering work in financial technology by Inc’s 30 Under 30 and Crain’s 40 Under 40 lists.
2026 Agenda Sessions
How are AI agents coming for lenders?
AI agents are poised to fundamentally reshape the lending landscape. Unlike traditional automation, these autonomous systems can analyze credit risk, process applications, adjust pricing, and manage customer relationships with minimal human oversight.
This session explores how banks and fintechs must adapt as AI agents transform everything from underwriting to collections and examines whether lenders are ready for a future where their customers might be AI agents too. We'll cut through the hype to focus on how innovative lenders can position themselves to lead in this brave new world.
Takeaways:
• Learn how AI agents differ from existing automation and why this distinction matters for lending operations.
• Discover which lending functions are most vulnerable to agent-driven disruption and which represent the biggest opportunity for efficiency gains and risk reduction.
• Explore how lenders can prepare for both deploying AI agents internally AND serving customers who use agents to shop for loans.
Tuesday 31 March 09:35 - 10:15 Lending
AI & Agentic Systems
Data & Personalization
Infrastructure & APIs
This session explores how banks and fintechs must adapt as AI agents transform everything from underwriting to collections and examines whether lenders are ready for a future where their customers might be AI agents too. We'll cut through the hype to focus on how innovative lenders can position themselves to lead in this brave new world.
Takeaways:
• Learn how AI agents differ from existing automation and why this distinction matters for lending operations.
• Discover which lending functions are most vulnerable to agent-driven disruption and which represent the biggest opportunity for efficiency gains and risk reduction.
• Explore how lenders can prepare for both deploying AI agents internally AND serving customers who use agents to shop for loans. Lending US/Pacific
