The Intermediary – November 2025 - Flipbook - Page 21
Q&A
it. As with many other industries, it will be the
defining factor that underpins this market in
the future.
As technology becomes more
embedded in advice, how can
brokers maintain control of the
customer relationship?
AI will mean brokers have more time to focus on
their customer and harnessing their customer
relationships. It will free up hours of brokers’
time, allowing them to focus on lead generation
and enabling them to scale up their businesses
and increase volume.
Will we see a shift towards more
collaborative ecosystems
between lenders, brokers,
and tech providers?
This is exactly what technology has the potential
to do – moving away from a world where lenders
and brokers operate in silos to one where
ollaborative technology connects
collaborative
one, leading to better customer
everyone,
omes, richer data, better risk
outcomes,
profiles, and more.
What role will data
transparency and
interoperability play
in improving
decision-making?
Data
ata transparency and
operability will lead to improved
interoperability
data accuracy and auditability, reduced
risk off human error and faster mortgage
decisions.
It also has the scope to lead to
dynamic pricing – pricing
ed for the
tailored
individual based
on their credit
and risk profiles.
ould be a
This could
hugee theme for
this industry
STUART
CHEETHAM
in the future,
and dynamic
pricing is
already in operation in other parts of the world,
including in the US.
How do we balance automation
with accountability and
regulatory oversight?
Ultimately, technology is here to support human
expertise in this market, not replace it. The AI
does the heavy lifting, freeing up resources,
which allows lenders and brokers alike to scale
up and increase volume.
In terms of balancing automation with
accountability and regulatory oversight, AI
supports robust risk management models. It
allows for better auditability by automating data
lineage, tracking where data comes from, how
it is transformed and how it is used in decisions
– moving away from a dependency on pdfs and
spreadsheets which are onerous and prone to
human error.
Finally, what’s on the horizon
for MQube?
Our expertise in AI is both unique and
unparalleled in this market, and we will
continue to use it to bring even more
technological advancements to the
mortgage industry that will create more
opportunities and improvements for
the mortgage industry.
Recently, MQube tokenised £1.3bn
of mortgage debt on the blockchain,
in a revolutionary move and a first
for Europe. As well developing and
expanding the reach of its core
offering, MQube will be focused on
developing its blockchain architecture
with the aim of enabling lenders to
transact on-chain, increasing lenders’
liquidity and paving the way for a brand
new securitisation market.
Fintech collaboration
and ecosystem growth
are our buzzwords for 2026
– the opportunities
are real, and we are
excited about
what 2026 will
bring for this
industry. ●
