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Jonathan Carr

When many Americans hear the word taxicab, they still think of the classic, urban transport device: An older, heaver, gas-guzzling V-8 wrapped in American steel.

Yet, in a growing number of metropolises, this symbol is quickly being replaced by smaller, lighter, hybrid and electric vehicles that already know where to go and don’t need a wrench to fix so much as a certificate in computer programming.

A similar phenomenon is happening within today’s financial services industry. Much like the automation that now manages nearly every aspect of today’s modern automobile, from seat warmers to navigation to rear-view video cameras, the loan origination system, the engine behind nearly every mortgage operation, has evolved, too.

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