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.

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.