Innovation in lending rarely fails because of technology. In this conversation, Lucinda Brown, Product & Proposition Leader, explores the hidden complexity behind lending journeys and why meaningful innovation often comes from improving the fundamentals rather than chasing headline breakthroughs.

The mortgage industry is under pressure to deliver faster, more digital experiences while preserving the human touch. Craig Brown, Chief Mortgage Officer at Bath Building Society, discusses how mutual lenders are navigating that balance.

Bath is using Sikoia to automate key parts of the mortgage verification process, including document handling, income verification and affordability checks.

Together, Sikoia and HomeNow are transforming renting into the first step toward ownership - with AI-powered automation that makes the process faster and simpler.

In this interview, Chris Bosworth, CEO of Finclusion, talks candidly about how the UK motor finance market is evolving, what good customer outcomes really look like, and how technology and responsible underwriting can open access to credit for customers who’ve been overlooked.

Paradigm’s recent survey highlights one thing: the market is no longer asking whether AI has a role in the mortgage journey, but how to use it confidently and safely.