The FCA's landmark Mills Review sets out how AI will transform retail financial services by 2030: continuous, delegated, agent-led. But buried beneath the headlines about autonomy is a quieter, more urgent finding: none of it works without trusted, structured customer data. For lenders and brokers, that makes the next move surprisingly clear.

Last week we brought together Andrew Lloyd (Fignum) and Dan Frodsham (Finclusion) to talk about something the motor finance industry tends to talk around: it is not risk that is the problem, it is how risk is measured. Here is what stood out from the conversation.

Discover the key insights from our recent webinar on practical innovation in mortgages. Learn how brokers and lenders are using AI and automation to streamline processes, speed up decision-making, and improve customer experiences .

We're thrilled to welcome Fignum, supporting lenders across mortgage and car finance with AI-powered document processing that cuts handling time by over 75% and errors to below 1%.

The timing couldn’t be more relevant. As the sector moves beyond past conduct challenges, the focus is shifting to how lenders build stronger, more transparent and more competitive lending processes for the future.