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AI Won't Kill Saas, It Will Supercharge It

  • Chris Starkey
  • Dec 23, 2025
  • 4 min read

Why the future of lending and dealerships belongs to those who bridge systems, not abandon them.


The conversation around AI today feels a lot like the early days of the internet, big bold predictions, wild claims, and a rush to declare the “old way” dead. The fact is, SaaS is still evolving even with the onset of AI. 


Recently, I read an article claiming that SaaS is dead, the entire model of software-as-a-service will collapse under the weight of AI. The argument states AI doesn’t need humans clicking buttons or logging into dashboards, and that the dealership tech stack of CRMs, DMSs, and marketing tools will soon vanish.


Some yes, some no, and the conclusion is off. 


AI won't replace humanity, it needs it. AI is absolutely the next revolution. It will integrate into every industry; we're seeing this right now. Integrate. This won't happen overnight, and it won’t do it alone. The real transformation will come from SaaS platforms that integrate, enhance, and accelerate AI adoption. 


In my opinion, the companies that bridge the gap between structured SaaS systems and intelligent AI reasoning will define the next decade of servicing and lending success.

Here's Why: 


This is evolution, not extinction, and here's the proof. 


  • Airplanes didn’t replace cars. They made long-distance travel faster while cars stayed essential for everyday life. 

  • Streaming didn’t kill theaters. It changed how we experience content, but storytelling is still storytelling. 

  • Online banking didn’t kill banks. It made access easier while institutions stayed the backbone of financial trust. 

  • Electric cars didn’t replace vehicles, they redefined them. 

  • And......GPS didn’t replace maps; it made navigation easier. 


AI doesn’t replace SaaS; it redefines what software can do.

SaaS Was Built for Input, Now It’s Being Rebuilt for Intelligence


The argument goes on to say traditional SaaS was designed for input. Humans log in, click buttons, export reports, and we call it productivity. All true. We still need humans to teach, coach, strategize, engage, teach, coach, and inspire. AI isn't human and its interpretation is just that, an interpretation. 


Back to SaaS. SaaS is still evolving and the ones evolving right now are already building toward intelligence.


At Lendisoft, we see this firsthand. Our lending management system was built in the cloud to eliminate the inefficiencies of legacy systems, disconnected data, manual uploads, limited reporting, clunky integrations. From day one, we designed it to be AI and API friendly, easy, fast, knowing the next generation of tools would rely on speed, connectivity, and risk management.


AI doesn’t destroy SaaS, it depends on it. Without structured data, verified workflows, and secure integrations, AI has nothing to reason from.

Why Dealers and Lenders Can’t Just “Flip the Switch”


Speaking for lending and loan servicing, thousands of lenders, big and small still run on old, antiquated systems behind firewalls, with limited APIs and no automation. They work, like a '65 Impala, bad on gas and breaks down a lot. 


These businesses can’t flip a switch and become “AI-native.” The economics don’t work. The infrastructure doesn’t exist. The data isn’t clean enough. Modern SaaS solutions bridge this gap easily, taking the fear and uncertainty away with the look and feel of familiarity, but with a fully built 427. 


Lendisoft was designed as that bridge, modern, flexible, and modular. Our system helps lenders and dealers upgrade their technology stack without starting from zero. It connects with existing systems, cleans and organizes data, and its native ML deliver measurable and predictable results. 

AI Needs SaaS to Scale


Yes, you read that right. AI needs SaaS. 


The bold claim that AI will “replace” SaaS misunderstands how industries actually evolve. Yes, AI is brilliant at analyzing, reasoning, and predicting, but it still needs:


  • Clean, accessible data pipelines (from SaaS platforms),

  • Reliable execution systems (for compliance, communication, and recordkeeping),

  • And clear governance layers (so decisions are auditable and safe).


Without SaaS, AI is theory. Without AI, SaaS is repetition. Together, they create something entirely new, a hybrid infrastructure that thinks, learns, and acts.


Lendisoft thrives here. Our platform captures every transaction, every payment, every communication channel, and feeds it into a data ecosystem ready for intelligence. Our native AI predicts borrower behavior, identifies risk, grades loans, predicts odds of roll, and automates customer communication. Yep, all in one slick platform. 

That’s not the death of SaaS. That’s SaaS becoming supercharged. Reminds me of a cartoon, "The Wonder Twins." Now I just aged myself...

Flexibility Wins the Future


What will separate tomorrow’s winners from today’s survivors isn’t who adopts AI first, it’s who adopts it best.


Meaning, flexibility. Integration. Agility. Adaptability.


Legacy platforms can’t pivot quickly enough to meet the demands of AI-driven markets. But modern SaaS systems, built with open APIs and data transparency, can. We do it every day. 

That’s why Lendisoft exists to help lenders and dealers scale without disruption. Optimizing collections and servicing, staffing, and growth. 

The Bottom Line


The SaaS era isn’t ending. It’s evolving into something greater.


The age of reasoning won’t destroy the age of software; it will redefine it.


At Lendisoft, we believe the future isn’t about replacing systems. It’s about connecting them intelligently, securely, and with purpose.


AI will change everything. But it needs a bridge to get there. We’ve built it. 

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