🔍 Is your digital strategy keeping up with the demands of today’s home buying journey?

In our latest Digital Disruption Podcast, we unpack Horizontal Digital Integration (HDI) — a game-changing strategy for UK lenders and ecosystem players.

🏡 The challenge? Internal optimisation has hit its ceiling.

💡 The opportunity? Collaborating left and right — across CRMs, brokers, estate agents and data sources — to unlock new revenue, reduce fallouts, and dramatically increase efficiency.

Key takeaways include:

🔹 How internal HDI streamlines underwriting and speeds up workflows

🔹 How external HDI enhances partner collaboration and customer acquisition

🔹 Why HDI is central to enabling AI, green lending, and future-proof operations

🔹 Practical steps to define and implement your HDI strategy

For more insights, visit our website or connect with us on LinkedIn.

• To connect with Pete on LinkedIn visit - Pete's LinkedIn profile
• To connect with Chris on LinkedIn visit - Chris's LinkedIn profile

For more insights and assistance in your digital transformation, visit https://www.novus-strategy.com/ and connect with us on LinkedIn at https://www.linkedin.com/company/novus-strategy/ or email us at hello@novus-strategy.com.

#IndustryInsights #NovusStrategy #DigitalTransformation #Innovation #AI #FutureOfWork #HDI #HorizontalDigitalIntegration #DigitalIntegration #UKHomeBuying #UKHomeBuyingAndSelling #PropTech #Lender #PropertyMarket #DigitalMaturity #Interoperability

The property market is at a tipping point, and Horizontal Digital Integration (HDI) is set to transform the way lenders, brokers, and conveyancers operate.

🔑 Key Takeaways from Our Latest Podcast:

✅ HDI will drive predictability, allowing borrowers to select move-in dates with certainty.

✅ Lenders must shift from operational efficiency to customer-centric growth, using real-time data to offer in-life financial services.

✅ Interoperability is no longer optional—firms that fail to integrate will be left behind.

✅ Collaboration is key—2025 will test whether the industry is truly ready to embrace a connected ecosystem.

💡 The mortgage industry must take inspiration from e-commerce—those who move first in digital integration will gain a significant competitive advantage.

For more insights, visit our website or connect with us on LinkedIn.

• To connect with Pete on LinkedIn visit - Pete's LinkedIn profile
• To connect with Chris on LinkedIn visit - Chris's LinkedIn profile

For more insights and assistance in your digital transformation, visit https://www.novus-strategy.com/ and connect with us on LinkedIn at https://www.linkedin.com/company/novus-strategy/ or email us at hello@novus-strategy.com.

#IndustryInsights #NovusStrategy #DigitalTransformation #Innovation #AI #FutureOfWork #HDI #HorizontalDigitalIntegration #DigitalIntegration #UKHomeBuying #UKHomeBuyingAndSelling #PropTech #Lender #PropertyMarket #DigitalMaturity #Interoperability

🚀 Government Data Sharing: The Future of Property Transactions?

In our latest Digital Disruption Podcast, Pete Gatenby & Chris Williams break down the UK Government’s latest announcement on data sharing and what it means for lenders, brokers, and conveyancers.

🔑 Key Takeaways from This Episode:

✅ Faster, more efficient property transactions through digital integration.

✅ How Horizontal Digital Integration (HDI) will drive seamless data sharing.

✅ Opportunities for lenders & conveyancers to improve in-life servicing & customer experience.

✅ Overcoming transformation fatigue—will this initiative finally deliver real change?

💡 Is this the tipping point for a fully digital home-buying experience? Listen to the episode and find out!

For more insights, visit our website or connect with us on LinkedIn.

• To connect with Pete on LinkedIn visit - Pete's LinkedIn profile
• To connect with Chris on LinkedIn visit - Chris's LinkedIn profile

For more insights and assistance in your digital transformation, visit https://www.novus-strategy.com/ and connect with us on LinkedIn at https://www.linkedin.com/company/novus-strategy/ or email us at hello@novus-strategy.com.

#IndustryInsights #NovusStrategy #DigitalTransformation #Innovation #AI #FutureOfWork #HDI #HorizontalDigitalIntegration #DigitalIntegration #UKHomeBuying #UKHomeBuyingAndSelling #PropTech #Lender #PropertyMarket #DigitalMaturity #Interoperability

In this New Year’s episode of the Digital Disruption podcast, hosts Chris Williams and Pete reflect on their 2024 predictions, analyse which came true, and set out their forecasts for 2025.

Key themes from 2024 included:

• AI Disruption: Rapid advancements in AI, particularly in lending and conveyancing, but live adoption in the market lagged behind its technical capabilities.
• New AI-driven Players: While no major challengers entered the mortgage lending space, AI-driven solutions emerged in adjacent markets, such as search and automation.
• Collaboration & Infrastructure Investment: Significant progress was made in fostering cross-industry partnerships, with initiatives such as HDI (Horizontal Digital Integration) accelerating interoperability.
• Faster Home Buying & Remortgaging: While industry discussions intensified, full-scale implementation of "remortgage in a day" and "sale in a week" remains aspirational.
• Organisational Readiness & Talent Shifts: Firms investing in digital strategies and trialling new technologies saw the most progress, with AI, ML, and automation skills becoming highly sought after.

Looking ahead to 2025, the discussion focused on:

• Customer-Centricity: A major shift towards putting consumers at the heart of digital transformation efforts.
• HDI Adoption: Horizontal Digital Integration will drive predictability, improve transaction times, and reshape vendor business models.
• Strategic AI & Automation: Greater investment in AI-driven automation, potentially leading to more end-to-end process automation in remortgaging.
• Blockchain & Secure Transactions: While advancements are expected, full blockchain-based property transactions remain unlikely this year.
• Data Standards & Upfront Information: The role of data integration and standardisation will accelerate, driven by initiatives like the Data Bill.
• Sustainability & the Connected Home: ESG factors and energy efficiency will begin to influence the mortgage and home-buying process.

Chris and Pete conclude by encouraging industry professionals to develop an HDI strategy to remain competitive and avoid digital transformation fatigue. They also note the potential impact of government housing policy in driving digital adoption.

For more insights, visit our website or connect with us on LinkedIn.

• • To connect with Pete on LinkedIn visit - Pete's LinkedIn profile
  • To connect with Chris on LinkedIn visit - Chris's LinkedIn profile
  • For more insights and assistance in your digital transformation, visit https://www.novus-strategy.com/ and connect with us on LinkedIn at https://www.linkedin.com/company/novus-strategy/ or email us at hello@novus-strategy.com.

In this 50th episode of the Digital Disruption Podcast, Pete and Chris along an expert cross-panel from across the UK Home Buying and Selling Industry, to answer the question: Will A Full End-To-End Digital Home-Buying and Selling Experience Become Reality?

We want to thank again our expert Panel Guests, who provided their key insight, including:

• Charlotte Raw, Head of Mortgage Lending, Newcastle Building Society
• Travis Scholes, Commercial Director, LMS
• Alastair Thornton, Director of Growth, Yopa
• Michelle Cutler, Chief Product & Technology Officer, Muve

Topics discussed in this live episode of the podcast include:

• Embracing Horizontal Digital Integration for better connectivity
• The role of Material Information in streamlining processes
• AI's impact and potential within property transactions
• Transformative digital shifts in UK home buying and selling

Key insights from the podcast:

• Six Steps to AI Strategy: The podcast outlines a structured approach to adopting AI, including identifying pain points, exploring creative solutions, prioritising actions and more.
• AI's Role in Home Buying: AI is positioned as a transformative tool to address inefficiencies in the home buying ecosystem.
• The Importance of AI Adoption: Organisations not embracing AI risk being outpaced by competitors.

For more insights, visit our website or connect with us on LinkedIn.

• • To connect with Pete on LinkedIn visit - Pete's LinkedIn profile
  • To connect with Chris on LinkedIn visit - Chris's LinkedIn profile
  • For more insights and assistance in your digital transformation, visit https://www.novus-strategy.com/ and connect with us on LinkedIn at https://www.linkedin.com/company/novus-strategy/ or email us at hello@novus-strategy.com.

Key insights from the podcast:

• The Shift to Interconnected Systems: The market is moving from siloed "vertical phase" digitisation to the collaborative "horizontal phase" through Horizontal Digital Integration (HDI).
• Consumer and Market Maturity:
  • Over 50% of home buyers are now "digital natives" demanding seamless, tech-driven experiences akin to e-commerce platforms.
  • Vendors and market players now possess the technological readiness for interconnected systems.
• Potential opportunities with HDI: could increase efficiency, revenue, and consumer satisfaction through interoperability and data-driven insights.

Join Our 50th Podcast Episode Event:
Be part of the conversation on December 5th! Register here: Eventbrite Link

For more insights, visit our website or connect with us on LinkedIn.

• To connect with Pete on LinkedIn visit - Pete's LinkedIn profile
• To connect with Chris on LinkedIn visit - Chris's LinkedIn profile
• For more insights and assistance in your digital transformation, visit https://www.novus-strategy.com/ and connect with us on LinkedIn at https://www.linkedin.com/company/novus-strategy/ or email us at hello@novus-strategy.com.

In this episode of the Digital Disruption Podcast, hosts Pete Gatenby and Chris Williams delve into the role of standardised, shareable data in transforming the home buying and selling process.

The discussion focuses on how the adoption of "Horizontal Digital Integration" (HDI) and data standards can significantly streamline transactions, reduce redundancy, and improve customer experiences in the UK property market.

Key points include:

• The Digital Disruption Newsletter: This monthly publication provides insights on digital transformation in home buying and selling.
• Importance of Data Standards: Implementing reusable data standards can eliminate repetitive tasks, like multiple ID checks, accelerating transaction times and enhancing efficiency.
• Benefits to Stakeholders: Lenders, brokers, and other actors stand to gain from increased predictability and interoperability. For example, lenders can better predict closing dates, enhancing customer experience and opening new revenue opportunities.
• Practical Steps for Industry Actors: The episode encourages stakeholders to map their data processes, collaborate within the ecosystem, and invest in technology upgrades to remain competitive.

Listeners are also invited to join the live recording event on December 5th 2024, celebrating the 50th episode of the podcast.

For more insights, visit our website or connect with us on LinkedIn.

To connect with Pete on LinkedIn visit - Pete's LinkedIn profile

To connect with Chris on LinkedIn visit - Chris's LinkedIn profile

For more insights and assistance in your digital transformation, visit https://www.novus-strategy.com/ and connect with us on LinkedIn at https://www.linkedin.com/company/novus-strategy/ or email us at hello@novus-strategy.com.