In this interview, we sit down with Hugh, a transformation leader who has driven large-scale change at some of the UK’s biggest insurers. He shares candid insights on customer journey design, tackling complexity, the real value of technology, and where financial services are still ripe for reinvention. A must-read for anyone looking to understand how to balance innovation with operational reality.

We recently sat down with Rob Stronach, Co-founder & Chief Client Officer, to talk about what it really takes to modernise mortgage operations - from system redesign to cultural shifts.

By introducing automation into traditionally manual, document-heavy workflows, we’re helping TSB streamline key processes and deliver a faster, more seamless experience for their customer - paving the way for a smarter, more efficient lending journey.

At our recent event, we sat down with Lucas Lopes, Chief Product Officer at Experian. With experience spanning both the UK and Brazil, Lucas offered a global perspective on the state of mortgage innovation - from the roadblocks of regulation to the promise (and limitations) of AI and data sharing.

At Sikoia’s recent industry event, we welcomed leaders from across the mortgage ecosystem - including senior stakeholders from HSBC, Lloyds, Enra, Chetwood Bank, Experian, MAB, OMS, and Connect Mortgages - to unpack the practical realities of innovation in our sector.

The Financial Conduct Authority (FCA) has released CP25/11: Mortgage Rule Review, its first major step toward simplifying mortgage regulation in the post-Consumer Duty landscape. The consultation outlines proposals to make mortgage processes easier, faster, and more cost-effective for consumers and lenders alike. One key area of reform is the affordability assessment - and the cost, both in time and resources, is significant.