September 2025 | Platform Thinking, HDI, and the road to PoC

This month, Chris Williams explores the three major shifts reshaping digital strategy in the UK mortgage lending space:

• Platform thinking is maturing: Data foundations and emerging standards are creating the conditions for interoperability.

• Openness over lock-in: The vendor landscape is splitting between open-loop partners (prioritising collaboration) and closed-loop platforms (risking inflexible ecosystems).

• Incremental progress matters: Legacy systems need not be a barrier - layering APIs and aligning with standards allows lenders to advance without wholesale replacement.

Chris also unpacks how organisations who design with HDI at the core are accelerating both short-term improvements and long-term transformation. And with AI expected to reshape the market in the next 18–24 months, having the right HDI foundations in place today is essential.