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Strategic analysis, industry research and practitioner insight from the team shaping the next phase of UK mortgage transformation. Stay ahead of the curve.

Featured · Bulletins
  • OCT 12, 2025
  • 8 MIN READ

HDI in Lending: Managing Credit Risk Through Behavioural Signals

Join the world’s leading financial strategists as we celebrate innovation in Human Decision Intelligence. Two days of keynotes, masterclasses, and networking with 500+ senior executives.

Peter Griffin

Senior Partner, HDI

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Data Forms the Bricks of Reform – The Commercial Model is the Mortar

The Roadmap Tells You What’s Coming. It Cannot Tell You Where to Start.

The Market Has Already Moved. The Home Buying and Selling Reform is Just the Answer.

What the Home Buying and Selling Reform Roadmap Builds for AI

The Roadmap Is Published. The Real Work Starts Now.

Pete Gatenby and Spencer Wyer: Data is the Bricks, Commercial Model is the Mortar for Home Buying and Mortgages

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Verification Becomes Infrastructure, and AI Goes Live | August ’26 AI Bulletin

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Transformation Readiness: Are You Ready to Deliver? | August ’26 Lender Bulletin

How the New Home Buying System Fits Together

Home Buying Digitalisation: Moving from Fragmentation to Certainty

The Customer Was Always Ready: Home Buying Reform from the Mover’s Seat

The Discipline Behind AI-First Lending

Smart Data, Data Exchanges and Orchestration: Where Should Lenders Start?

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Home Buying and Selling Reform Roadmap | July ’26 AI Bulletin

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Understanding Is Not Execution: Turning the Reform Roadmap into Action | July ’26 Lender Bulletin

Home Buying and Selling Reform: What Mortgage Leaders Need to Do Now, Next and Later

Smart Data, Data Exchange and Orchestration: what mortgage lenders need to know now

Your Mortgage Journey is Digitally Mature. Your Transaction Outcomes Are Not.

Smart Data: The Industry May Finally Be Solving the Wrong Problem

When AI Meets the Ecosystem

The Gap Is Opening Now: Why Parallel Execution Is a Structural Problem

The Biggest Challenge Facing Lenders Isn’t Technology. It’s Prioritisation

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Smart Data: From Participation to Action | June ’26 Lender Bulletin

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The Open Property Roadmap: Homebuying Goes Digital | June ’26 AI Bulletin

The First Smart Property Data Trust Framework Test: Proving It Works.

Novus Strategy Digital Disruption April Stephen Ward

The Smart Property Data Sandbox: From Proof of Concept to Open Ecosystem

Novus Strategy Digital Disruption April Pete Gatenby

What to Build First, What to Leave Alone

Novus Strategy Digital Disruption April Chris Williams

Internal Optimisation & External Scale in Mortgage Lending

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Beyond Internal Efficiency: Where Journey Friction Really Sits | May ’26 Lender Bulletin

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AI-Driven Fraud, Collective Defence & the Exponential AI Curve | May ’26 AI Bulletin

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The Mortgage Bulletin.

Monthly strategic and AI snapshots for mortgage lenders, authored by the Novus senior team. Covering HDI developments, regulatory shifts and the intelligence shaping the next phase of UK mortgage transformation.

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