Borrow

array(6) { [0]=> object(stdClass)#8806 (57) { ["id"]=> int(19151) ["title"]=> string(84) "The effortless edge: How brokers turn low-friction service into high-retention value" ["alias"]=> string(83) "the-effortless-edge-how-brokers-turn-low-friction-service-into-high-retention-value" ["introtext"]=> string(502) "

Client retention in broking is no longer about squeezing a better rate at renewal. It’s about building an ‘effortless’ experience that anticipates needs, removes friction, and compounds loyalty across life events. With platform gatekeepers tightening discovery and AI reshaping service delivery, brokers that industrialise low-effort client journeys will outgrow rivals. The playbook blends agentic AI, smart segmentation and niche positioning under robust governance.

" ["fulltext"]=> string(8260) "

Here’s the blunt edge: the next share shift in broking will be won by the firms that make staying absurdly easy. In a market where lenders and platforms increasingly intermediate discovery, brokers have one controllable moat—how little effort it takes for clients to get consistently better outcomes, without asking. That means proactive repricing, timely check-ins, and life-event orchestration delivered through data and agentic AI under tight compliance. It’s retention as an operating system, not a campaign.

Market context: platform risk up, margin for error down

Competition is intensifying. Industry commentary highlights that Australia now has more than 22,000 brokers, making differentiation harder and price-based acquisition more brittle. At the same time, Broker Daily has flagged “digital threats” to the property market and a rise in off-market transactions—shifts that erode traditional discovery channels and standardised pipelines.

The platform backdrop is unforgiving: the ACCC notes that “Google has maintained its position as the dominant search engine in Australia with a market share of nearly 94 per cent” as of August 2024. That concentration pushes paid performance costs up and amplifies algorithm risk. Meanwhile, debate about bank disintermediation continues; industry voices argue that efforts to marginalise brokers will “ultimately fail,” yet the practical takeaway for brokers is clear—own the client relationship beyond the initial deal or risk being commoditised.

Retention economics: CLV beats rate chasing

Retention is a profit engine, not an afterthought. In broking, customer lifetime value (CLV) expands through three levers: tenure (more refinance cycles), share of wallet (e.g., adding commercial or asset finance), and referral velocity (turning clients into advocates). Broker Daily data points to a structural cross-sell opportunity: almost a third of mortgage brokers now also write commercial loans. That diversification turns an annual check-in into a genuinely consultative relationship that can monetise more needs at lower marginal acquisition cost.

A practical diagnostic: plot your portfolio by recency-frequency-monetary (RFM) segments, then overlay a customer effort score (CES) from recent interactions. Where high-value clients report high effort, you have near-term churn risk and immediate ROI for fixing friction. The goal is a retention flywheel—lower effort drives higher satisfaction, which lifts referrals, which improves lead quality and reduces CAC, freeing budget to further improve the experience.

Technical deep dive: agentic AI and the ‘no-ask’ experience

The promise of generative and agentic AI is not flashy chatbots; it’s operational leverage. McKinsey frames agentic AI as a catalyst for rethinking processes through deep enterprise integration. In broking, the high-yield applications are:

• Proactive repricing and refinancing triggers: Agents monitor lender rate sheets, policy changes, and client circumstances to propose “next best action” without client prompting.
• Life-event orchestration: Signals from CRM (e.g., a growing family, business expansion) trigger tailored financing reviews and education, not generic newsletters.
• Document and policy reasoning: LLMs summarise lender conditions and explain trade-offs in plain English, with traceable citations for compliance.
• Personalised communication at meaningful scale: Hyper-relevant messages drafted by AI, approved by humans, and logged with audit trails.

From a systems view, think in an Experience–Process–Platform stack. Experience: ultra-low-friction client touchpoints via email, SMS, and portal. Process: automated workflows for annual reviews, rate checks, and milestone alerts. Platform: data pipelines from CRM, pricing feeds, and lender updates; an orchestration layer that invokes AI agents under policy controls.

Compliance is non-negotiable. The Australian Taxation Office’s work on AI governance underscores the need for controls on general-purpose AI—traceability, human-in-the-loop approvals, and data minimisation. Embed model cards, decision logs, and consent records. Treat prompts and outputs as regulated artefacts, not ephemeral text.

Implementation reality: the three bottlenecks

Most firms stumble on data readiness, orchestration discipline, and governance.

• Data readiness: Clean CRM data (accurate contact details, loan metadata, consent status) is the difference between precision and spam. Begin with a data hygiene sprint and a unified client profile.
• Orchestration: Map a service blueprint from prospect to post-settlement, defining triggers, SLAs, and handoffs. If a client has to ask for a rate review, the system failed.
• Governance: Use a risk-tiered model—low-risk automations (e.g., appointment reminders) can run fully autonomous; high-impact communications (e.g., refinance recommendations) require human approval and recorded rationale.

Public policy momentum is building—Australia’s AI Month 2024 and ongoing government consultations signal increasing expectations on transparency and responsible use. Get ahead of regulation: institute an AI ethics register, periodic bias checks, and a client-facing disclosure on how AI assists your service.

Competitive advantage: specialise, don’t spray

In a field of 22,000 players, generalists blur. Niche plays—such as physicians, self-employed borrowers, or SME property investors—compress client effort because the broker speaks the client’s language and pre-underwrites complexity. Broker Daily’s coverage of specialist brokers shows how focus drives recall and referral density. Pair specialisation with an effortless service promise: “We proactively review your rate quarterly; we prepare your lender pack before you ask; we handle your life event financing end-to-end.” That’s a moat.

Platform risk also argues for owned channels. With Google search so concentrated, shift budget toward community content, email lists, and client portals where you control reach. Referral flywheels beat algorithm roulette.

Market trends: off-market dynamics and the AI commercialisation gap

Reports of increased off-market property activity suggest a rise in trusted networks and private deal flow. Brokers can embed earlier in the journey—partnering with buyer’s agents and accountants—to reduce client effort before a property is even identified. At the macro level, Australia’s AI ecosystem shows a commercialisation gap, according to a 2025 landscape review. For brokers, that’s actually an opening: practical, low-capex implementations (workflow automation, agentic monitoring, analytics) can yield outsized gains while competitors hesitate.

Future outlook and a pragmatic roadmap

Gen AI is already moving the real estate stack—from lead scoring to property insights and valuations, as global analysis highlights. Expect lenders to accelerate automated credit decisioning and granular policy changes. Brokers that wire AI into retention will counter with anticipatory service, making it easier to stay than to switch.

Roadmap:

• First 90 days: Clean CRM data; define three “effort killers” (annual review workflow, repricing trigger, settlement-to-90-day nurture); pilot an AI drafting tool with human approval.
• 6–12 months: Stand up an orchestration layer; integrate lender policy feeds; roll out CES measurement; launch one niche segment with tailored playbooks.
• 12–24 months: Deploy agentic monitoring for portfolio-wide next-best actions; implement model governance (model cards, drift monitoring); expand cross-sell into commercial where relevant.

The effortless edge is not a slogan. It’s an operating commitment: remove work from the client, before they notice the work exists. In a platform-dominated market with rising digital threats, that’s how brokers keep customers—and margins—long after the first deal closes.

" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["catid"]=> int(277) ["created"]=> string(19) "2025-10-29 04:36:03" ["created_by"]=> int(1891) ["created_by_alias"]=> string(8) "Newsdesk" ["modified"]=> string(19) "2025-11-03 08:04:38" ["modified_by"]=> int(2421) ["publish_up"]=> string(19) "2025-10-29 22:29:51" ["publish_down"]=> NULL ["images"]=> string(462) "{"public_id_cloudinary":"pexels-artempodrez-5716000_gpyor2","image_intro":"https:\/\/res.cloudinary.com\/momentum-media-group-pty-ltd\/image\/upload\/v1762156981\/pexels-artempodrez-5716000_gpyor2.jpg","image_intro_alt":"The effortless edge: How brokers turn low-friction service into high-retention value","float_intro":"","image_intro_caption":"Photo by Artem Podrez","image_fulltext":"","image_fulltext_alt":"","float_fulltext":"","image_fulltext_caption":""}" ["urls"]=> string(112) "{"urla":"","urlatext":"","targeta":"","urlb":"","urlbtext":"","targetb":"","urlc":"","urlctext":"","targetc":""}" ["attribs"]=> string(604) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","readingDiff":"3","comments":"1"}" ["metadata"]=> string(52) "{"robots":"","author":"","rights":"","metatitle":""}" ["metakey"]=> string(827) "Retention will be won by ‘effortless’ service—proactive, low-friction journeys that anticipate client needs and reduce churn risk., Agentic AI integrated with CRM and lender feeds creates a durable advantage via automated repricing triggers, life-event orchestration and personalised communications at meaningful scale., Platform concentration (Google ~94% search share in Australia) raises acquisition risk; owning client relationships and channels becomes strategically critical., Execution hinges on data hygiene, workflow orchestration and AI governance—start with a 90-day sprint to clean data, map triggers, and implement human-in-the-loop controls., Brokers that specialise and build referral flywheels will outgrow generalists; a staged 24‑month roadmap compounds CLV through cross-sell and proactive reviews." ["metadesc"]=> string(0) "" ["access"]=> int(1) ["hits"]=> int(66) ["featured"]=> int(0) ["language"]=> string(1) "*" ["readmore"]=> int(8260) ["ordering"]=> int(62) ["featured_up"]=> NULL ["featured_down"]=> NULL ["state"]=> int(1) ["category_title"]=> string(5) "Loans" ["category_route"]=> string(18) "borrow-money/loans" ["category_access"]=> int(1) ["category_alias"]=> string(5) "loans" ["category_language"]=> string(1) "*" ["published"]=> int(1) ["parents_published"]=> int(1) ["lft"]=> int(20) ["author"]=> string(8) "Newsdesk" ["author_email"]=> string(33) "[email protected]" ["modified_by_name"]=> string(17) "Nicole Comendador" ["parent_title"]=> string(6) "Borrow" ["parent_id"]=> int(271) ["parent_route"]=> string(12) "borrow-money" ["parent_alias"]=> string(12) "borrow-money" ["parent_language"]=> string(1) "*" ["alternative_readmore"]=> NULL ["layout"]=> NULL ["params"]=> object(Joomla\Registry\Registry)#8786 (3) { ["data":protected]=> object(stdClass)#944 (94) { ["article_layout"]=> string(14) "momentum:newne" ["show_title"]=> string(1) "1" ["link_titles"]=> string(1) "1" ["show_intro"]=> string(1) "0" ["info_block_position"]=> string(1) "0" ["info_block_show_title"]=> string(1) "1" ["show_category"]=> string(1) "1" ["link_category"]=> string(1) "1" ["show_parent_category"]=> string(1) "0" ["link_parent_category"]=> string(1) "0" ["show_associations"]=> string(1) "0" ["flags"]=> string(1) "1" ["show_author"]=> string(1) "1" ["link_author"]=> string(1) "0" ["show_create_date"]=> string(1) "0" ["show_modify_date"]=> string(1) "1" ["show_publish_date"]=> string(1) "1" ["show_item_navigation"]=> string(1) "1" ["show_vote"]=> string(1) "1" ["show_readmore"]=> string(1) "1" ["show_readmore_title"]=> string(1) "1" ["readmore_limit"]=> string(3) "100" ["show_tags"]=> string(1) "0" ["show_icons"]=> string(1) "1" ["show_print_icon"]=> string(1) "1" ["show_email_icon"]=> string(1) "1" ["show_hits"]=> string(1) "1" ["record_hits"]=> string(1) "1" ["show_noauth"]=> string(1) "0" ["urls_position"]=> string(1) "0" ["captcha"]=> string(0) "" ["show_publishing_options"]=> string(1) "1" ["show_article_options"]=> string(1) "1" ["save_history"]=> string(1) "1" ["history_limit"]=> int(10) ["show_urls_images_frontend"]=> string(1) "0" ["show_urls_images_backend"]=> string(1) "1" ["targeta"]=> int(0) ["targetb"]=> int(0) ["targetc"]=> int(0) ["float_intro"]=> string(4) "left" ["float_fulltext"]=> string(5) "right" ["category_layout"]=> string(14) "momentum:newne" ["show_category_heading_title_text"]=> string(1) "1" ["show_category_title"]=> string(1) "1" ["show_description"]=> string(1) "0" ["show_description_image"]=> string(1) "0" ["maxLevel"]=> string(2) "-1" ["show_empty_categories"]=> string(1) "0" ["show_no_articles"]=> string(1) "1" ["show_subcat_desc"]=> string(1) "1" ["show_cat_num_articles"]=> string(1) "0" ["show_cat_tags"]=> string(1) "1" ["show_base_description"]=> string(1) "1" ["maxLevelcat"]=> string(2) "-1" ["show_empty_categories_cat"]=> string(1) "0" ["show_subcat_desc_cat"]=> string(1) "1" ["show_cat_num_articles_cat"]=> string(1) "1" ["num_leading_articles"]=> string(2) "14" ["num_intro_articles"]=> string(1) "0" ["num_columns"]=> string(1) "0" ["num_links"]=> string(1) "0" ["multi_column_order"]=> string(1) "0" ["show_subcategory_content"]=> string(2) "-1" ["show_pagination_limit"]=> string(1) "0" ["filter_field"]=> string(4) "hide" ["show_headings"]=> string(1) "1" ["list_show_date"]=> string(9) "published" ["date_format"]=> string(0) "" ["list_show_hits"]=> string(1) "0" ["list_show_author"]=> string(1) "1" ["orderby_pri"]=> string(4) "none" ["orderby_sec"]=> string(5) "rdate" ["order_date"]=> string(9) "published" ["show_pagination"]=> string(1) "2" ["show_pagination_results"]=> string(1) "1" ["show_featured"]=> string(4) "show" ["show_feed_link"]=> string(1) "1" ["feed_summary"]=> string(1) "0" ["feed_show_readmore"]=> string(1) "0" ["sef_advanced"]=> int(1) ["sef_ids"]=> int(1) ["custom_fields_enable"]=> string(1) "1" ["show_page_heading"]=> NULL ["layout_type"]=> string(4) "blog" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(66) "Borrow Money - Your Guide to Loans and Credit Management | nestegg" ["menu-meta_description"]=> string(138) "Finance, credit and debt feel like a minefield? From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2025-10-29 22:29:51" ["slug"]=> string(89) "19151:the-effortless-edge-how-brokers-turn-low-friction-service-into-high-retention-value" ["event"]=> object(stdClass)#9334 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(737) "

Client retention in broking is no longer about squeezing a better rate at renewal. It’s about building an ‘effortless’ experience that anticipates needs, removes friction, and compounds loyalty across life events. With platform gatekeepers tightening discovery and AI reshaping service delivery, brokers that industrialise low-effort client journeys will outgrow rivals. The playbook blends agentic AI, smart segmentation and niche positioning under robust governance.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9372 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9006 (3) { ["data":protected]=> object(stdClass)#8822 (1) { ["options"]=> object(stdClass)#8824 (2) { ["options0"]=> object(stdClass)#8825 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8823 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9005 (3) { ["data":protected]=> object(stdClass)#8820 (6) { ["hint"]=> string(0) "" ["render_class"]=> string(7) "autotag" ["class"]=> string(9) "btn-group" ["showlabel"]=> string(1) "0" ["show_on"]=> string(1) "2" ["display"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(1) "1" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(1) ["label"]=> string(17) "Automatic tagging" ["description"]=> string(51) "Automatic tagging of article base on title keywords" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(17) "Celeste Fernandez" ["group_title"]=> string(4) "Tags" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(3) "Yes" ["rawvalue"]=> string(1) "1" } [7]=> object(stdClass)#9378 (33) { ["id"]=> int(7) ["title"]=> string(17) "First article URL" ["name"]=> string(3) "url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-09 01:32:54" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9004 (3) { ["data":protected]=> object(stdClass)#8826 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8821 (3) { ["data":protected]=> object(stdClass)#8816 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#9374 (33) { ["id"]=> int(8) ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8819 (3) { ["data":protected]=> object(stdClass)#8991 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8817 (3) { ["data":protected]=> object(stdClass)#8986 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#9373 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8992 (3) { ["data":protected]=> object(stdClass)#8982 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8985 (3) { ["data":protected]=> object(stdClass)#8990 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#9371 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8989 (3) { ["data":protected]=> object(stdClass)#8987 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8988 (3) { ["data":protected]=> object(stdClass)#9016 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#9359 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8984 (3) { ["data":protected]=> object(stdClass)#9018 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9015 (3) { ["data":protected]=> object(stdClass)#9020 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#9380 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9017 (3) { ["data":protected]=> object(stdClass)#9025 (1) { ["options"]=> object(stdClass)#9023 (2) { ["options0"]=> object(stdClass)#9022 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#9024 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9019 (3) { ["data":protected]=> object(stdClass)#9027 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#9313 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9021 (3) { ["data":protected]=> object(stdClass)#9029 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9026 (3) { ["data":protected]=> object(stdClass)#9031 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#9379 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9028 (3) { ["data":protected]=> object(stdClass)#9033 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9030 (3) { ["data":protected]=> object(stdClass)#9035 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(103) "/borrow-money/loans/the-effortless-edge-how-brokers-turn-low-friction-service-into-high-retention-value" ["image"]=> string(118) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1762156981/pexels-artempodrez-5716000_gpyor2.jpg" ["image_alt"]=> string(84) "The effortless edge: How brokers turn low-friction service into high-retention value" } [1]=> object(stdClass)#8805 (57) { ["id"]=> int(19150) ["title"]=> string(96) "Open banking’s quiet revolution: how one broker’s data play rewrites speed, trust and margin" ["alias"]=> string(88) "open-bankings-quiet-revolution-how-one-brokers-data-play-rewrites-speed-trust-and-margin" ["introtext"]=> string(582) "

Open banking is shifting from compliance cost to commercial engine, and early adopters in Australia’s broking market are already monetising the curve. The playbook: consented bank-grade data piped into AI-driven decisioning to compress ‘time-to-yes’, de-risk compliance and sharpen customer acquisition. The prize is bigger than faster loans—this is a structural reset in how brokers, lenders and fintechs compete for trust and share of wallet. Here’s the data-led strategy behind it, and how leaders can execute without tripping on governance.

" ["fulltext"]=> string(9656) "

Key implication: In Australia’s broker channel, open banking plus AI has moved from pilot to production. Early movers who industrialise consented data into underwriting, compliance and marketing workflows are buying speed, earning trust and defending margin in a cooling property cycle where more buyers are transacting off-market. Laggards will be price-takers to platforms that own the data exhaust.

Market context: from mandate to money

Australia’s Consumer Data Right (CDR) created the plumbing; the business model is now catching up. According to the Global State of Open Banking and Open Finance (2024), markets that combine clear governance with standardised APIs see faster ecosystem uptake and richer use-cases—precisely where Australia has been leaning. Locally, the broker channel is under dual pressure: a softer sales cycle and rising digital threats to customer trust. Broker Daily’s 2025 coverage of an early adopter highlights a pragmatic response—move sensitive data via secure consent flows instead of email or PDFs, then automate verification.

Regulatory tone is conducive. ASIC has urged banks to harness AI for customer-centric growth, with chair Joe Longo warning that poor adoption choices are as risky as inaction. Add the UK–Australia FinTech Bridge’s pro-innovation stance, and you have a policy environment that rewards responsible experimentation—and punishes manual, error-prone processes.

Case study lens: “Pink Finance” and the broker’s new operating model

Consider a mid-sized Australian brokerage (dubbed “Pink Finance” in sector commentary) that embeds open banking consent in origination. Clients receive a secure link; transaction and account data flow directly to the broker’s platform, bypassing email attachments. The result is less friction in onboarding and fewer reworks when lenders query income stability or living expense calculations.

Industry case write-ups on early adopters report three tangible improvements: underwriting cycles compressed as data lands pre-categorised; compliance drag reduced via automated audit trails of consent; and marketing precision sharpened using behavioural insights rather than blunt credit proxies. The commercial thread is clear—more first-time approvals and fewer touches per file translate to lower cost-to-serve and higher conversion under tight commission economics.

Complementing this, Australian AI fintech Fortiro—recognised in 2024 for best use of AI—illustrates the adjacent fraud-control layer: document forgery detection and data consistency checks. Pairing consented bank feeds with AI-based document validation creates a defence-in-depth approach to verification of income and identity without making the customer jump through analogue hoops.

Technical deep dive: the consent-to-decision stack

Under the hood, the winning architecture is modular and auditable:

• Consent and access: CDR-compliant consent capture with clear purpose, scope, and duration. Brokers can integrate via an Accredited Data Recipient (ADR), operate as a CDR Representative under a principal ADR, or connect through compliant intermediaries—each with distinct governance overheads and speed-to-market trade-offs.
• Data normalisation and enrichment: Transaction data is normalised and categorised (income streams, recurring obligations, discretionary spend). Business rules and AI models reconcile employer deposits, detect anomalies, and flag affordability risks.
• Decision orchestration: A rules engine codifies lender policy, while AI assists with edge cases (e.g., irregular gig income). Agentic AI—highlighted by McKinsey in 2025—can automate multi-step tasks like gathering missing evidence, proposing mitigants and drafting notes, under human approval.
• Compliance and audit: Immutable consent logs, purpose limitation, data minimisation, and role-based access provide regulator-ready artifacts. Integration with PEP/sanctions screening, privacy-by-design controls, and redaction pipelines further reduce risk.

The technical takeaway: this is not one monolith but a controllable value chain. Decouple it correctly and you can swap vendors, test policies and scale without re-platforming.

Business impact and ROI: a value-chain accounting

Think in unit economics, not anecdotes. A simplified value chain shows where margin appears:

• Acquisition: Consented data shortens fact-finds and enables hyper-relevant offers. Industry commentary on early adopters points to higher lead-to-application conversion when customers see value in instant affordability insights.
• Underwriting: Pre-verified transactions reduce back-and-forth with lenders. Early adopter playbooks report materially shorter time-to-decision and fewer conditional approvals falling over, which protects NPS and referral velocity.
• Compliance: Automated consent trails and data provenance reduce manual QA hours and the risk of privacy breaches from email/file sharing.
• Fraud/risk: Combining bank feeds with AI-based document checks lowers fraud exposure and downstream remediation costs.

Global research indicates that clear governance correlates with higher innovation velocity. Translate that locally: brokers who operationalise CDR and AI today bank compounding efficiency gains, while rivals spend 2026 plugging privacy gaps.

Competitive advantage: where early adopters win

Porter meets platform economics. Open banking narrows information asymmetry between banks and brokers, but the edge accrues to those who control consent UX and decisioning IP. Distinctive advantages include:

• Speed as a moat: Faster ‘time-to-yes’ gets you the mandate, especially for off-market property buyers where timing trumps rate.
• Trust by design: Demonstrable data minimisation and bank-grade consent flows turn privacy into a selling point, not a disclaimer.
• Policy agility: Encoded lender policies plus AI triage allow rapid scenarioing across lenders, lifting placement accuracy.
• Partner magnetism: Lenders and referral partners prefer brokers with clean data and lower rework rates—partnership flywheels form.

KPMG’s 2024 snapshot of Australia’s fintech landscape emphasised a pivot to profitability and partnerships. Brokers that become data-competent partners to lenders will price less on commission and more on performance.

Implementation reality: avoid the three common traps

Execution separates pilots from P&L impact. Three pitfalls to dodge:

• Tool-first thinking: Start with problem statements (e.g., reduce reworks) and map them to the consent-to-decision stack. Prove value on one cohort, then scale.
• Governance gaps: Treat privacy as architecture, not policy. Define data retention windows, purpose binding, incident response and third-party risk up front. The IAIS and other forums stress cyber and vendor risk as core supervisory themes—assume scrutiny.
• Change fatigue: Codify new ways of working. Train brokers on consent conversations, provide scripts and micro-demos, and instrument dashboards that make time saved visible to frontline teams.

Commercial model choices matter. The CDR Representative pathway can speed market entry under a principal ADR’s umbrella; going full ADR increases control but demands heavier investment in security, assurance and audit. Either route, align incentives: compensate teams on quality metrics (first-time approvals, rework rate) to embed new behaviours.

Future outlook: open finance, agentic ops and multi-sector data

Open banking is just stage one. Australia’s CDR is extending across sectors, enabling a broader ‘open finance’ surface (e.g., energy and telco data). Expect three shifts:

• Cross-domain affordability: Brokers prefill income/expense, then validate address stability via utility data—lower friction, richer risk signals.
• Agentic operations: AI agents will orchestrate document requests, policy checks and customer nudges under human oversight, converting hours into minutes.
• Talent mix: As the Future of Jobs analyses suggest, roles blend domain expertise with data literacy. Training programs—from professional bodies to in-house academies—will be a competitive asset.

Internationally, supervisors such as the HKMA are advancing roadmaps on enabling technologies (e.g., DLT for secure sharing). Australia’s advantage is a mature consent regime and an innovation-friendly regulator. The window is open for brokers and lenders to set the regional pace.

Strategy checklist: how to start in 90 days

• Pick one high-friction journey (PAYG refinancing, self-employed purchase) and run an A/B using consented data versus legacy statements.
• Stand up a minimal consent UX with clear value messaging; measure opt-in rates and drop-off points.
• Embed a rules engine for two lenders’ policies; add AI only where it measurably reduces rework.
• Integrate a document fraud tool alongside bank feeds for defence-in-depth.
• Publish a one-page data governance charter to staff and customers—trust compounds.

The lesson from Australia’s early adopters is simple and contrarian: open banking ROI shows up first in operational hygiene, then in growth. Nail the plumbing, then scale the flywheel.

" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["catid"]=> int(275) ["created"]=> string(19) "2025-10-29 04:35:59" ["created_by"]=> int(1891) ["created_by_alias"]=> string(8) "Newsdesk" ["modified"]=> string(19) "2025-11-03 07:55:07" ["modified_by"]=> int(2421) ["publish_up"]=> string(19) "2025-10-29 22:00:14" ["publish_down"]=> NULL ["images"]=> string(500) "{"public_id_cloudinary":"pexels-dziana-hasanbekava-7063776_nkijl9","image_intro":"https:\/\/res.cloudinary.com\/momentum-media-group-pty-ltd\/image\/upload\/v1762156323\/pexels-dziana-hasanbekava-7063776_nkijl9.jpg","image_intro_alt":"Open banking\u2019s quiet revolution: how one broker\u2019s data play rewrites speed, trust and margin","float_intro":"","image_intro_caption":"Photo by Dziana Hasanbekava","image_fulltext":"","image_fulltext_alt":"","float_fulltext":"","image_fulltext_caption":""}" ["urls"]=> string(112) "{"urla":"","urlatext":"","targeta":"","urlb":"","urlbtext":"","targetb":"","urlc":"","urlctext":"","targetc":""}" ["attribs"]=> string(604) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","readingDiff":"3","comments":"1"}" ["metadata"]=> string(52) "{"robots":"","author":"","rights":"","metatitle":""}" ["metakey"]=> string(719) "Treat open banking as a revenue engine: consented data and AI reduce time-to-yes, rework and fraud, lifting conversion and margin., Own the consent-to-decision stack to build a moat: control consent UX, policy codification and orchestration to outpace rivals on speed and trust., Leverage ecosystem tailwinds: Australia’s CDR regime and regulator support favour responsible experimentation and partnership-led models., Implement governance as architecture: codify purpose limitation, retention, audit trails and vendor risk; start with one journey and scale pragmatically., Prepare for open finance: expand beyond banking data, adopt agentic AI for operations, and upskill teams in data literacy to sustain advantage." ["metadesc"]=> string(0) "" ["access"]=> int(1) ["hits"]=> int(78) ["featured"]=> int(0) ["language"]=> string(1) "*" ["readmore"]=> int(9656) ["ordering"]=> int(59) ["featured_up"]=> NULL ["featured_down"]=> NULL ["state"]=> int(1) ["category_title"]=> string(7) "Banking" ["category_route"]=> string(20) "borrow-money/banking" ["category_access"]=> int(1) ["category_alias"]=> string(7) "banking" ["category_language"]=> string(1) "*" ["published"]=> int(1) ["parents_published"]=> int(1) ["lft"]=> int(16) ["author"]=> string(8) "Newsdesk" ["author_email"]=> string(33) "[email protected]" ["modified_by_name"]=> string(17) "Nicole Comendador" ["parent_title"]=> string(6) "Borrow" ["parent_id"]=> int(271) ["parent_route"]=> string(12) "borrow-money" ["parent_alias"]=> string(12) "borrow-money" ["parent_language"]=> string(1) "*" ["alternative_readmore"]=> NULL ["layout"]=> NULL ["params"]=> object(Joomla\Registry\Registry)#8784 (3) { ["data":protected]=> object(stdClass)#8763 (94) { ["article_layout"]=> string(14) "momentum:newne" ["show_title"]=> string(1) "1" ["link_titles"]=> string(1) "1" ["show_intro"]=> string(1) "0" ["info_block_position"]=> string(1) "0" ["info_block_show_title"]=> string(1) "1" ["show_category"]=> string(1) "1" ["link_category"]=> string(1) "1" ["show_parent_category"]=> string(1) "0" ["link_parent_category"]=> string(1) "0" ["show_associations"]=> string(1) "0" ["flags"]=> string(1) "1" ["show_author"]=> string(1) "1" ["link_author"]=> string(1) "0" ["show_create_date"]=> string(1) "0" ["show_modify_date"]=> string(1) "1" ["show_publish_date"]=> string(1) "1" ["show_item_navigation"]=> string(1) "1" ["show_vote"]=> string(1) "1" ["show_readmore"]=> string(1) "1" ["show_readmore_title"]=> string(1) "1" ["readmore_limit"]=> string(3) "100" ["show_tags"]=> string(1) "0" ["show_icons"]=> string(1) "1" ["show_print_icon"]=> string(1) "1" ["show_email_icon"]=> string(1) "1" ["show_hits"]=> string(1) "1" ["record_hits"]=> string(1) "1" ["show_noauth"]=> string(1) "0" ["urls_position"]=> string(1) "0" ["captcha"]=> string(0) "" ["show_publishing_options"]=> string(1) "1" ["show_article_options"]=> string(1) "1" ["save_history"]=> string(1) "1" ["history_limit"]=> int(10) ["show_urls_images_frontend"]=> string(1) "0" ["show_urls_images_backend"]=> string(1) "1" ["targeta"]=> int(0) ["targetb"]=> int(0) ["targetc"]=> int(0) ["float_intro"]=> string(4) "left" ["float_fulltext"]=> string(5) "right" ["category_layout"]=> string(14) "momentum:newne" ["show_category_heading_title_text"]=> string(1) "1" ["show_category_title"]=> string(1) "1" ["show_description"]=> string(1) "0" ["show_description_image"]=> string(1) "0" ["maxLevel"]=> string(2) "-1" ["show_empty_categories"]=> string(1) "0" ["show_no_articles"]=> string(1) "1" ["show_subcat_desc"]=> string(1) "1" ["show_cat_num_articles"]=> string(1) "0" ["show_cat_tags"]=> string(1) "1" ["show_base_description"]=> string(1) "1" ["maxLevelcat"]=> string(2) "-1" ["show_empty_categories_cat"]=> string(1) "0" ["show_subcat_desc_cat"]=> string(1) "1" ["show_cat_num_articles_cat"]=> string(1) "1" ["num_leading_articles"]=> string(2) "14" ["num_intro_articles"]=> string(1) "0" ["num_columns"]=> string(1) "0" ["num_links"]=> string(1) "0" ["multi_column_order"]=> string(1) "0" ["show_subcategory_content"]=> string(2) "-1" ["show_pagination_limit"]=> string(1) "0" ["filter_field"]=> string(4) "hide" ["show_headings"]=> string(1) "1" ["list_show_date"]=> string(9) "published" ["date_format"]=> string(0) "" ["list_show_hits"]=> string(1) "0" ["list_show_author"]=> string(1) "1" ["orderby_pri"]=> string(4) "none" ["orderby_sec"]=> string(5) "rdate" ["order_date"]=> string(9) "published" ["show_pagination"]=> string(1) "2" ["show_pagination_results"]=> string(1) "1" ["show_featured"]=> string(4) "show" ["show_feed_link"]=> string(1) "1" ["feed_summary"]=> string(1) "0" ["feed_show_readmore"]=> string(1) "0" ["sef_advanced"]=> int(1) ["sef_ids"]=> int(1) ["custom_fields_enable"]=> string(1) "1" ["show_page_heading"]=> NULL ["layout_type"]=> string(4) "blog" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(66) "Borrow Money - Your Guide to Loans and Credit Management | nestegg" ["menu-meta_description"]=> string(138) "Finance, credit and debt feel like a minefield? From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2025-10-29 22:00:14" ["slug"]=> string(94) "19150:open-bankings-quiet-revolution-how-one-brokers-data-play-rewrites-speed-trust-and-margin" ["event"]=> object(stdClass)#9355 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(824) "

Open banking is shifting from compliance cost to commercial engine, and early adopters in Australia’s broking market are already monetising the curve. The playbook: consented bank-grade data piped into AI-driven decisioning to compress ‘time-to-yes’, de-risk compliance and sharpen customer acquisition. The prize is bigger than faster loans—this is a structural reset in how brokers, lenders and fintechs compete for trust and share of wallet. Here’s the data-led strategy behind it, and how leaders can execute without tripping on governance.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9383 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8972 (3) { ["data":protected]=> object(stdClass)#8978 (1) { ["options"]=> object(stdClass)#8976 (2) { ["options0"]=> object(stdClass)#8975 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8977 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8973 (3) { ["data":protected]=> object(stdClass)#8979 (6) { ["hint"]=> string(0) "" ["render_class"]=> string(7) "autotag" ["class"]=> string(9) "btn-group" ["showlabel"]=> string(1) "0" ["show_on"]=> string(1) "2" ["display"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(1) "1" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(1) ["label"]=> string(17) "Automatic tagging" ["description"]=> string(51) "Automatic tagging of article base on title keywords" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(17) "Celeste Fernandez" ["group_title"]=> string(4) "Tags" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(3) "Yes" ["rawvalue"]=> string(1) "1" } [7]=> object(stdClass)#9389 (33) { ["id"]=> int(7) ["title"]=> string(17) "First article URL" ["name"]=> string(3) "url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-09 01:32:54" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8974 (3) { ["data":protected]=> object(stdClass)#8995 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9002 (3) { ["data":protected]=> object(stdClass)#8827 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#9385 (33) { ["id"]=> int(8) ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8994 (3) { ["data":protected]=> object(stdClass)#9270 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8818 (3) { ["data":protected]=> object(stdClass)#9211 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#9384 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9271 (3) { ["data":protected]=> object(stdClass)#9251 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9207 (3) { ["data":protected]=> object(stdClass)#9269 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#9382 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9216 (3) { ["data":protected]=> object(stdClass)#9248 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9268 (3) { ["data":protected]=> object(stdClass)#9278 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#9370 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9214 (3) { ["data":protected]=> object(stdClass)#9276 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8980 (3) { ["data":protected]=> object(stdClass)#9274 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#9391 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9277 (3) { ["data":protected]=> object(stdClass)#9262 (1) { ["options"]=> object(stdClass)#9238 (2) { ["options0"]=> object(stdClass)#9272 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#9217 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9275 (3) { ["data":protected]=> object(stdClass)#9267 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#9343 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9273 (3) { ["data":protected]=> object(stdClass)#9296 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9218 (3) { ["data":protected]=> object(stdClass)#9298 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#9390 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9295 (3) { ["data":protected]=> object(stdClass)#9300 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9297 (3) { ["data":protected]=> object(stdClass)#9302 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(110) "/borrow-money/banking/open-bankings-quiet-revolution-how-one-brokers-data-play-rewrites-speed-trust-and-margin" ["image"]=> string(125) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1762156323/pexels-dziana-hasanbekava-7063776_nkijl9.jpg" ["image_alt"]=> string(96) "Open banking’s quiet revolution: how one broker’s data play rewrites speed, trust and margin" } [2]=> object(stdClass)#8804 (57) { ["id"]=> int(19149) ["title"]=> string(66) "Mortgage broking 2030: from rate-hunting to AI-orchestrated advice" ["alias"]=> string(65) "mortgage-broking-2030-from-rate-hunting-to-ai-orchestrated-advice" ["introtext"]=> string(540) "

A new industry white paper promises a map for mortgage broking’s next decade. The real story: distribution power is shifting from rate comparison to data-led advice, and firms that industrialise AI and compliance will outpace those that merely digitise forms. With broker market share at a record high and borrower behaviour fragmenting, the competitive frontier is now customer acquisition economics, trust, and workflow automation. Here’s how the sector can convert momentum into durable advantage by 2030.

" ["fulltext"]=> string(9918) "

The key implication: Australian mortgage broking is moving from transactional matchmaking to continuous, data-driven advisory. By 2030, competitive advantage will come less from ‘shopping the market’ and more from orchestrating borrower data, automated compliance, and lightning-fast credit policy navigation—at meaningful scale.

Market context: strength meets stress

Broker distribution has never been stronger—industry reporting points to record share of new home lending written by brokers. That strength brings spotlight and scrutiny. The Australian Competition and Consumer Commission’s earlier inquiry observed that brokers “revitalised price competition and revolutionised” home loan markets, underscoring the channel’s role in contestability (ACCC, 2018). Yet the next phase is less about raw access to lenders and more about mastering complexity.

Borrower behaviour is shifting. National Australia Bank research cited by The Adviser highlights a rise in first home buyers co-buying through joint mortgages, a signal of affordability pressures and more intricate structures. Joint purchases, guarantors, variable income profiles, and investor portfolios enlarge the advice surface area—and with it, compliance overhead. This is fertile ground for brokers, but only those with robust digital workflows can keep unit economics healthy as case complexity rises.

Five Forces in 2025: where pressure will bite

Using Porter’s lens reveals the pressure points to 2030:

• Rivalry: Brokerages and aggregators are consolidating capabilities; digital lenders and bank direct channels compete on speed and UX. Expect arms races in workflow automation and client portals.
• Threat of new entrants: Low-code fintech stacks and vendorised AI lower entry barriers for niche players (e.g., expat lending, co-buying advisory), but scaling distribution and compliance remains hard.
• Buyer power: Borrowers compare extensively and expect consumer-grade digital experiences. Rising sophistication tilts advantage to firms that personalise and pre-empt needs using data.
• Supplier power: Lenders’ policy changes and turnaround variability punish manual processes. Brokers who codify policy logic gain cycle time advantages.
• Substitutes: Embedded finance in proptech and employer benefits could channel demand away from traditional brokers. Defensible positions rely on trust and scenario modelling—not just access to rates.

Technical deep dive: the 7-layer broker stack for 2030

The future broker is a systems integrator. A pragmatic reference stack is emerging:

1. Data ingress: Structured capture of income, expenses, and property data via secure portals. Increasing use of document AI to extract and validate bank statements and payslips.
2. Consent and governance: Explicit consent flows, audit trails, and model risk registers aligned to evolving government guidance on AI governance (the Australian Government’s 2024 interim response frames guardrails; the ATO’s AI governance approach emphasises controlled deployment of general-purpose AI).
3. Policy intelligence: Searchable credit policy engines augmented by large language models to summarise lender rules and flag eligibility gaps, with human-in-the-loop controls.
4. Workflow automation: Orchestration of tasks—from KYC/eKYC and ID verification to valuation ordering and lender packaging—reducing rework and error rates.
5. Advice co-pilots: Gen AI assistants draft scenario comparisons and produce consumer-friendly rationales, checked against Best Interest and responsible lending requirements before release.
6. Analytics and forecasting: Pipeline velocity, approval probabilities, and trail revenue forecasts to optimise effort allocation and staffing.
7. Integration and interoperability: APIs into lender gateways, valuation platforms, and payments. The goal is straight-through processing for standard files and guided exception handling for complex cases.

The governance piece matters. Public sector exemplars like the ATO’s AI oversight framework show how to pair capability with control: define system purpose, monitor model performance, and bound use of general-purpose AI. For brokers, that translates to role-based access, red-teaming of prompts, bias checks, and immutable advice audit trails.

AI ROI: from hype to hard metrics

Australia’s AI ecosystem has grown, but government and independent analyses still note a commercialisation gap versus peer economies (June 2025 assessments of the local AI landscape). That gap will nudge brokerages to adopt proven vendor platforms rather than build from scratch—and that’s fine if economics stack up.

Global case studies show generative AI is delivering measurable productivity gains across document-heavy workflows (industry roundups in late 2025 detail payback measured in months for high-volume, rules-bound processes). In broking, three ROI levers dominate:

• Cycle time compression: Automating data extraction and policy checks can cut days from submission-to-approval, lifting conversion.
• Capacity expansion: File-per-broker per month can rise without adding headcount, improving revenue per FTE.
• Compliance cost containment: Automated evidence trails reduce remediation risk and audit time.

Model the business case with conservative assumptions: 10–20 percent improvement in file throughput, a 5–10 percent uplift in conversion from faster responses, and a 15–30 percent reduction in admin time for standard files. Stress-test against vendor lock-in and inference cost volatility.

The new battleground: customer acquisition economics

Distribution power can be undone by acquisition costs. With Google holding about 94 percent share of general search in Australia as recently as August 2024 (ACCC), the paid-search tax is real. Over-reliance on auction-based lead gen compresses margins and invites platform risk.

Winning brokers are diversifying:

• First-party data: Always-on content and tools (borrowing power calculators, scenario explainer videos) to capture consented leads.
• Referral ecosystems: Accountants, buyers’ agents, and proptech platforms provide lower-cost, higher-intent traffic.
• Community niches: Specialisation (self-employed, co-ownership, multilingual segments) drives organic referrals and defensible positioning.
• Loyalty and lifecycle: Post-settlement engagement and automated repricing alerts to retain clients through rate cycles.

Competition and consolidation: what the regulators are watching

Competition reviews over the past decade have stressed broker-driven price contestability while also probing incentives and transparency. As merger policy modernises (Treasury’s Competition Taskforce consultation in 2024), aggregator consolidation and platform tie-ups will be scrutinised. The strategic takeaway: scale is useful, but independence and advice integrity are assets. Clear remuneration disclosure and robust best-interest documentation become differentiators, not just obligations.

Scenarios to 2030: choose your game

• Platform-era consolidation: A few tech-forward aggregators run quasi-utilities (policy engines, compliance platforms), and most brokers plug in. Margins compress but volumes rise; winners monetise data and services.
• Trusted adviser renaissance: Advice-centric boutiques use AI co-pilots to deliver bespoke scenarios, charge for complexity, and build premium, low-churn books.
• Squeezed middle: Firms without distinctive acquisition channels or automation struggle as costs rise and direct digital channels improve.

12–24 month playbook: build the spine, then scale

Practical steps for principals and aggregators:

• Data and consent: Implement unified client intake with explicit consent logging and data minimisation. Prepare for broader use of data-sharing frameworks and lender API expansion.
• Policy codification: Stand up a central, searchable policy repository. Pilot an LLM summariser with human QA for internal use only.
• Workflow automation: Target two high-friction steps (document QC and submission packaging) for automation; set KPIs for cycle time and rework rate.
• Acquisition diversification: Shift 15–25 percent of spend from paid search into referral partnerships and first-party content with measurable lead quality benchmarks.
• AI governance: Adopt a lightweight framework mirroring public-sector best practice: purpose statements for each AI use, access controls, bias testing, and audit trails.
• Talent upskilling: Train brokers and support staff on prompt hygiene, policy tools, and client communication with AI assistance.

Mortgage broking’s next era will reward firms that treat technology and governance as core capabilities, not bolt-ons. The distribution pie may keep growing, but the real prize is productivity, trust, and resilience in acquisition channels. Map those three vectors today, and 2030 looks less like disruption—and more like compounding advantage.

" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["catid"]=> int(277) ["created"]=> string(19) "2025-10-29 04:35:55" ["created_by"]=> int(1891) ["created_by_alias"]=> string(8) "Newsdesk" ["modified"]=> string(19) "2025-11-03 07:43:33" ["modified_by"]=> int(2421) ["publish_up"]=> string(19) "2025-10-29 04:43:02" ["publish_down"]=> NULL ["images"]=> string(438) "{"public_id_cloudinary":"pexels-a-darmel-7642083_hld0sf","image_intro":"https:\/\/res.cloudinary.com\/momentum-media-group-pty-ltd\/image\/upload\/v1762155699\/pexels-a-darmel-7642083_hld0sf.jpg","image_intro_alt":"Mortgage broking 2030: from rate-hunting to AI-orchestrated advice","float_intro":"","image_intro_caption":"Photo by Alena Darmel","image_fulltext":"","image_fulltext_alt":"","float_fulltext":"","image_fulltext_caption":""}" ["urls"]=> string(112) "{"urla":"","urlatext":"","targeta":"","urlb":"","urlbtext":"","targetb":"","urlc":"","urlctext":"","targetc":""}" ["attribs"]=> string(604) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","readingDiff":"3","comments":"1"}" ["metadata"]=> string(52) "{"robots":"","author":"","rights":"","metatitle":""}" ["metakey"]=> string(702) "Shift from transactional rate shopping to AI-orchestrated, data-driven advice will define broker competitiveness by 2030., Early adopters that codify lender policy, automate workflows, and diversify acquisition channels will expand capacity and margins., Search platform dominance raises customer acquisition costs; building first-party data and referral ecosystems reduces platform risk., Implement lightweight AI governance—consent, audit trails, role-based access—to unlock automation while satisfying regulatory expectations., Three plausible futures emerge—platform consolidation, trusted adviser niches, or a squeezed middle—so set a 12–24 month roadmap aligned to your chosen strategy." ["metadesc"]=> string(0) "" ["access"]=> int(1) ["hits"]=> int(71) ["featured"]=> int(0) ["language"]=> string(1) "*" ["readmore"]=> int(9918) ["ordering"]=> int(65) ["featured_up"]=> NULL ["featured_down"]=> NULL ["state"]=> int(1) ["category_title"]=> string(5) "Loans" ["category_route"]=> string(18) "borrow-money/loans" ["category_access"]=> int(1) ["category_alias"]=> string(5) "loans" ["category_language"]=> string(1) "*" ["published"]=> int(1) ["parents_published"]=> int(1) ["lft"]=> int(20) ["author"]=> string(8) "Newsdesk" ["author_email"]=> string(33) "[email protected]" ["modified_by_name"]=> string(17) "Nicole Comendador" ["parent_title"]=> string(6) "Borrow" ["parent_id"]=> int(271) ["parent_route"]=> string(12) "borrow-money" ["parent_alias"]=> string(12) "borrow-money" ["parent_language"]=> string(1) "*" ["alternative_readmore"]=> NULL ["layout"]=> NULL ["params"]=> object(Joomla\Registry\Registry)#8782 (3) { ["data":protected]=> object(stdClass)#8761 (94) { ["article_layout"]=> string(14) "momentum:newne" ["show_title"]=> string(1) "1" ["link_titles"]=> string(1) "1" ["show_intro"]=> string(1) "0" ["info_block_position"]=> string(1) "0" ["info_block_show_title"]=> string(1) "1" ["show_category"]=> string(1) "1" ["link_category"]=> string(1) "1" ["show_parent_category"]=> string(1) "0" ["link_parent_category"]=> string(1) "0" ["show_associations"]=> string(1) "0" ["flags"]=> string(1) "1" ["show_author"]=> string(1) "1" ["link_author"]=> string(1) "0" ["show_create_date"]=> string(1) "0" ["show_modify_date"]=> string(1) "1" ["show_publish_date"]=> string(1) "1" ["show_item_navigation"]=> string(1) "1" ["show_vote"]=> string(1) "1" ["show_readmore"]=> string(1) "1" ["show_readmore_title"]=> string(1) "1" ["readmore_limit"]=> string(3) "100" ["show_tags"]=> string(1) "0" ["show_icons"]=> string(1) "1" ["show_print_icon"]=> string(1) "1" ["show_email_icon"]=> string(1) "1" ["show_hits"]=> string(1) "1" ["record_hits"]=> string(1) "1" ["show_noauth"]=> string(1) "0" ["urls_position"]=> string(1) "0" ["captcha"]=> string(0) "" ["show_publishing_options"]=> string(1) "1" ["show_article_options"]=> string(1) "1" ["save_history"]=> string(1) "1" ["history_limit"]=> int(10) ["show_urls_images_frontend"]=> string(1) "0" ["show_urls_images_backend"]=> string(1) "1" ["targeta"]=> int(0) ["targetb"]=> int(0) ["targetc"]=> int(0) ["float_intro"]=> string(4) "left" ["float_fulltext"]=> string(5) "right" ["category_layout"]=> string(14) "momentum:newne" ["show_category_heading_title_text"]=> string(1) "1" ["show_category_title"]=> string(1) "1" ["show_description"]=> string(1) "0" ["show_description_image"]=> string(1) "0" ["maxLevel"]=> string(2) "-1" ["show_empty_categories"]=> string(1) "0" ["show_no_articles"]=> string(1) "1" ["show_subcat_desc"]=> string(1) "1" ["show_cat_num_articles"]=> string(1) "0" ["show_cat_tags"]=> string(1) "1" ["show_base_description"]=> string(1) "1" ["maxLevelcat"]=> string(2) "-1" ["show_empty_categories_cat"]=> string(1) "0" ["show_subcat_desc_cat"]=> string(1) "1" ["show_cat_num_articles_cat"]=> string(1) "1" ["num_leading_articles"]=> string(2) "14" ["num_intro_articles"]=> string(1) "0" ["num_columns"]=> string(1) "0" ["num_links"]=> string(1) "0" ["multi_column_order"]=> string(1) "0" ["show_subcategory_content"]=> string(2) "-1" ["show_pagination_limit"]=> string(1) "0" ["filter_field"]=> string(4) "hide" ["show_headings"]=> string(1) "1" ["list_show_date"]=> string(9) "published" ["date_format"]=> string(0) "" ["list_show_hits"]=> string(1) "0" ["list_show_author"]=> string(1) "1" ["orderby_pri"]=> string(4) "none" ["orderby_sec"]=> string(5) "rdate" ["order_date"]=> string(9) "published" ["show_pagination"]=> string(1) "2" ["show_pagination_results"]=> string(1) "1" ["show_featured"]=> string(4) "show" ["show_feed_link"]=> string(1) "1" ["feed_summary"]=> string(1) "0" ["feed_show_readmore"]=> string(1) "0" ["sef_advanced"]=> int(1) ["sef_ids"]=> int(1) ["custom_fields_enable"]=> string(1) "1" ["show_page_heading"]=> NULL ["layout_type"]=> string(4) "blog" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(66) "Borrow Money - Your Guide to Loans and Credit Management | nestegg" ["menu-meta_description"]=> string(138) "Finance, credit and debt feel like a minefield? From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2025-10-29 04:43:02" ["slug"]=> string(71) "19149:mortgage-broking-2030-from-rate-hunting-to-ai-orchestrated-advice" ["event"]=> object(stdClass)#9366 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(757) "

A new industry white paper promises a map for mortgage broking’s next decade. The real story: distribution power is shifting from rate comparison to data-led advice, and firms that industrialise AI and compliance will outpace those that merely digitise forms. With broker market share at a record high and borrower behaviour fragmenting, the competitive frontier is now customer acquisition economics, trust, and workflow automation. Here’s how the sector can convert momentum into durable advantage by 2030.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9394 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9006 (3) { ["data":protected]=> object(stdClass)#8822 (1) { ["options"]=> object(stdClass)#8824 (2) { ["options0"]=> object(stdClass)#8825 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8823 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9005 (3) { ["data":protected]=> object(stdClass)#8820 (6) { ["hint"]=> string(0) "" ["render_class"]=> string(7) "autotag" ["class"]=> string(9) "btn-group" ["showlabel"]=> string(1) "0" ["show_on"]=> string(1) "2" ["display"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(1) "1" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(1) ["label"]=> string(17) "Automatic tagging" ["description"]=> string(51) "Automatic tagging of article base on title keywords" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(17) "Celeste Fernandez" ["group_title"]=> string(4) "Tags" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(3) "Yes" ["rawvalue"]=> string(1) "1" } [7]=> object(stdClass)#9400 (33) { ["id"]=> int(7) ["title"]=> string(17) "First article URL" ["name"]=> string(3) "url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-09 01:32:54" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9004 (3) { ["data":protected]=> object(stdClass)#8826 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8821 (3) { ["data":protected]=> object(stdClass)#8816 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#9396 (33) { ["id"]=> int(8) ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8819 (3) { ["data":protected]=> object(stdClass)#8991 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8817 (3) { ["data":protected]=> object(stdClass)#8986 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#9395 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8992 (3) { ["data":protected]=> object(stdClass)#8982 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8985 (3) { ["data":protected]=> object(stdClass)#8990 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#9393 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8989 (3) { ["data":protected]=> object(stdClass)#8987 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8988 (3) { ["data":protected]=> object(stdClass)#9016 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#9381 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8984 (3) { ["data":protected]=> object(stdClass)#9018 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9015 (3) { ["data":protected]=> object(stdClass)#9020 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#9402 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9017 (3) { ["data":protected]=> object(stdClass)#9025 (1) { ["options"]=> object(stdClass)#9023 (2) { ["options0"]=> object(stdClass)#9022 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#9024 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9019 (3) { ["data":protected]=> object(stdClass)#9027 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#9352 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9021 (3) { ["data":protected]=> object(stdClass)#9029 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9026 (3) { ["data":protected]=> object(stdClass)#9031 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#9401 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9028 (3) { ["data":protected]=> object(stdClass)#9033 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9030 (3) { ["data":protected]=> object(stdClass)#9035 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(85) "/borrow-money/loans/mortgage-broking-2030-from-rate-hunting-to-ai-orchestrated-advice" ["image"]=> string(115) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1762155699/pexels-a-darmel-7642083_hld0sf.jpg" ["image_alt"]=> string(66) "Mortgage broking 2030: from rate-hunting to AI-orchestrated advice" } [3]=> object(stdClass)#8803 (57) { ["id"]=> int(19137) ["title"]=> string(68) "Mortgage stress is easing — but the relief is uneven and strategic" ["alias"]=> string(64) "mortgage-stress-is-easing-but-the-relief-is-uneven-and-strategic" ["introtext"]=> string(530) "

The share of Australian borrowers classified as ‘at risk’ has fallen to its lowest level since early 2023, according to Roy Morgan. Yet the absolute number of households under pressure has risen by more than half a million as the borrowing base has grown. For banks, brokers, retailers and policymakers, this is not a victory lap — it’s a repricing phase with hard choices on margins, retention and customer support. Here’s what the data signals and how to position for the next credit cycle.

" ["fulltext"]=> string(7791) "

Key implication: Mortgage stress is moderating in percentage terms, but the system is carrying more borrowers at risk in absolute terms. That combination points to a stabilising credit outlook for lenders, a cautious consumption outlook for retailers, and a competitive reshuffle in mortgage distribution where repricing beats refinancing.

The numbers behind the narrative

Roy Morgan’s latest analysis shows the share of mortgage holders deemed ‘at risk’ has fallen to its lowest point since early 2023, easing for the fourth straight month after more than two years of rate increases. The nuance: while the proportion is down, Roy Morgan also reports the number of Australians at risk has increased by over 500,000 as the population and mortgage holder cohort expanded.

This duality aligns with broader financial conditions. The Reserve Bank’s November 2024 Statement on Monetary Policy flagged a benign credit outlook, with non-financial corporate bond spreads near their lowest since early 2022 — a signal that markets are pricing limited deterioration in credit. Housing prices have risen steadily since early 2023, supporting equity buffers, while Jobs and Skills Australia noted the average mortgage rate on new loans rose into March 2024, implying new entrants still face higher servicing costs than pre-tightening.

Business impact: margins, arrears and wallet share

For banks, easing stress share should cap near-term arrears growth and contain credit impairment charges. However, the retention battle is compressing margins. Industry platform Sherlok indicated in April 2024 that repricing volumes are expected to outpace refinancing, reflecting a shift from churn to internal price competition. Expect net interest margin (NIM) pressure as incumbents selectively cut rates for at-risk or rate-sensitive cohorts to prevent runoff.

Brokers face a flatter refinance market and must pivot to annual ‘health checks’, repricing advocacy and product optimisation to defend trail commissions. Non-bank lenders, with higher funding costs and less deposit optionality, are most exposed to selective bank repricing that cherry-picks prime customers.

Retailers and utilities get limited relief. A smaller at-risk share cushions the worst-case demand shock, but the increased number of stressed households keeps discretionary spend subdued. The State of the Housing System 2025 highlights that rental stress affected more than half of lower-income renters in 2023 — a reminder that broader household cashflow pressures, not just mortgage dynamics, will temper consumption recovery.

Competitive advantage: precision retention and proactive hardship

Australia’s AI landscape still shows a commercialisation gap, with the National AI Centre and subsequent reports noting adoption-heavy, innovation-light patterns through 2024. That gap is opportunity. Early-mover lenders deploying AI-driven retention and risk triage can convert macro stability into market share and lower loss rates:

• Dynamic repricing engines: Micro-segment customers by elasticity (rate sensitivity), risk (probability of default/roll rates) and lifetime value to determine the minimum viable discount to retain — without over-cutting on price.
• Early hardship detection: Use transactional signals (missed utilities, BNPL exposures, wage variability) to trigger outreach and tailored restructures before 30+ day arrears. Responsible AI guardrails matter; the ATO’s work on AI governance underscores the need for transparent model usage and auditability in public institutions — a useful benchmark for financial services.
• Broker enablement: Provide brokers with instant repricing quotes, retention incentives and first-party analytics to pre-empt churn. Sherlok’s repricing trend suggests distribution advantage will accrue to lenders who treat brokers as co-managed retention partners, not just acquisition channels.

Market context: supply constraints limit the upside

Structural housing supply challenges remain a governor on broad-based relief. A late-2024 review of NSW housing supply found tougher economics for new builds and a decline in completions, while national data through 2024 showed higher new-loan rates, lifting entry barriers. With prices rising since early 2023, new borrowers face higher leverage and debt-servicing loads than incumbents who locked in earlier. This creates a two-speed household sector: improving resilience among established borrowers, and elevated vulnerability for recent entrants.

Policy still matters. APRA’s 3 percentage point serviceability buffer — retained through the tightening cycle — has bolstered lender portfolios against shocks. But supply-side reforms, rather than financial buffers alone, will determine the durability of mortgage stress relief if rates drift lower in 2025–26.

Technical deep dive: what the risk models are seeing

Credit teams should focus on the pipeline of stress, not just the stock. Key leading indicators:

• Roll rates: 1–29 days past due to 30–59 days. A downtrend confirms the share-of-stress moderation; any uptick is an early-warning flare.
• Loss-given-default (LGD): Rising dwelling prices and low distressed listings support lower LGDs; watch for segments with thin equity (recent FHBs).
• Serviceability headroom: Estimate borrower buffers versus prevailing rates; track fixed-to-variable reset cohorts and income growth offset.
• Funding costs: With corporate spreads near lows (RBA), wholesale funding is supportive, yet deposit competition remains intense. Repricing victories come at the cost of NIM unless offset by lower churn and better cross-sell.

Scenario planning: In a ‘soft-landing’ case with gradual RBA easing, arrears peak lower and retention-led margin compression becomes the dominant theme. In a ‘sticky inflation’ case, rates stay higher for longer, reigniting stress among thin-buffer cohorts and raising impairment risk for non-banks.

Execution reality: playbooks for 2025

• Lenders: Stand up a pricing lab combining risk, product and data science; target weekly sprints to test elasticity by segment. Tie hardship automation to human-in-the-loop reviews to meet conduct expectations. Align broker remuneration with retention outcomes.
• Brokers: Industrialise annual customer reviews, prioritising cohorts flagged by lenders for proactive repricing. Use consented data to evidence savings and reduce friction.
• Retail, utilities and telcos: Layer mortgage stress indices into customer propensity models. Offer phased payment plans for at-risk segments to preserve lifetime value at minimal cost.
• Policymakers: Keep the serviceability buffer under review as rates move; accelerate supply-side measures to prevent renewed stress among new entrants and renters.
• Investors: Watch 30–89 day arrears, internal repricing volumes vs external refinancing, and NIM guidance. Favour lenders with disciplined price discrimination and robust deposit franchises.

Bottom line: The share of stressed mortgage holders is easing, but the system remains numerically heavy with at-risk households. Early adopters of precision repricing and proactive hardship management will defend margin, keep customers, and exit this phase stronger than they entered.

" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["catid"]=> int(277) ["created"]=> string(19) "2025-10-28 04:43:34" ["created_by"]=> int(1891) ["created_by_alias"]=> string(8) "Newsdesk" ["modified"]=> string(19) "2025-11-03 06:28:46" ["modified_by"]=> int(2421) ["publish_up"]=> string(19) "2025-10-28 22:27:56" ["publish_down"]=> NULL ["images"]=> string(441) "{"public_id_cloudinary":"pexels-rdne-8292888_vpxgs0","image_intro":"https:\/\/res.cloudinary.com\/momentum-media-group-pty-ltd\/image\/upload\/v1762151228\/pexels-rdne-8292888_vpxgs0.jpg","image_intro_alt":"Mortgage stress is easing \u2014 but the relief is uneven and strategic","float_intro":"","image_intro_caption":"Photo by RDNE Stock project","image_fulltext":"","image_fulltext_alt":"","float_fulltext":"","image_fulltext_caption":""}" ["urls"]=> string(112) "{"urla":"","urlatext":"","targeta":"","urlb":"","urlbtext":"","targetb":"","urlc":"","urlctext":"","targetc":""}" ["attribs"]=> string(604) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","readingDiff":"3","comments":"1"}" ["metadata"]=> string(52) "{"robots":"","author":"","rights":"","metatitle":""}" ["metakey"]=> string(799) "Treat the easing share of mortgage stress as margin-management time, not a risk holiday — repricing discipline will separate winners from underwriters of last resort., Deploy AI-enabled retention and hardship triage to micro-target offers, reduce churn and lower loss rates while maintaining responsible AI governance., Expect subdued discretionary demand as the absolute number of stressed households rises and rental stress remains elevated, tempering any consumer rebound., Brokers and lenders should pivot from refinance to repricing, with broker-aligned retention incentives, consented data use, and weekly pricing sprints., Base case: credit conditions remain benign; downside risk: sticky inflation strains thin-buffer cohorts. Monitor roll rates, LGD, and NIM vs repricing volumes closely." ["metadesc"]=> string(0) "" ["access"]=> int(1) ["hits"]=> int(60) ["featured"]=> int(0) ["language"]=> string(1) "*" ["readmore"]=> int(7791) ["ordering"]=> int(79) ["featured_up"]=> NULL ["featured_down"]=> NULL ["state"]=> int(1) ["category_title"]=> string(5) "Loans" ["category_route"]=> string(18) "borrow-money/loans" ["category_access"]=> int(1) ["category_alias"]=> string(5) "loans" ["category_language"]=> string(1) "*" ["published"]=> int(1) ["parents_published"]=> int(1) ["lft"]=> int(20) ["author"]=> string(8) "Newsdesk" ["author_email"]=> string(33) "[email protected]" ["modified_by_name"]=> string(17) "Nicole Comendador" ["parent_title"]=> string(6) "Borrow" ["parent_id"]=> int(271) ["parent_route"]=> string(12) "borrow-money" ["parent_alias"]=> string(12) "borrow-money" ["parent_language"]=> string(1) "*" ["alternative_readmore"]=> NULL ["layout"]=> NULL ["params"]=> object(Joomla\Registry\Registry)#943 (3) { ["data":protected]=> object(stdClass)#8758 (94) { ["article_layout"]=> string(14) "momentum:newne" ["show_title"]=> string(1) "1" ["link_titles"]=> string(1) "1" ["show_intro"]=> string(1) "0" ["info_block_position"]=> string(1) "0" ["info_block_show_title"]=> string(1) "1" ["show_category"]=> string(1) "1" ["link_category"]=> string(1) "1" ["show_parent_category"]=> string(1) "0" ["link_parent_category"]=> string(1) "0" ["show_associations"]=> string(1) "0" ["flags"]=> string(1) "1" ["show_author"]=> string(1) "1" ["link_author"]=> string(1) "0" ["show_create_date"]=> string(1) "0" ["show_modify_date"]=> string(1) "1" ["show_publish_date"]=> string(1) "1" ["show_item_navigation"]=> string(1) "1" ["show_vote"]=> string(1) "1" ["show_readmore"]=> string(1) "1" ["show_readmore_title"]=> string(1) "1" ["readmore_limit"]=> string(3) "100" ["show_tags"]=> string(1) "0" ["show_icons"]=> string(1) "1" ["show_print_icon"]=> string(1) "1" ["show_email_icon"]=> string(1) "1" ["show_hits"]=> string(1) "1" ["record_hits"]=> string(1) "1" ["show_noauth"]=> string(1) "0" ["urls_position"]=> string(1) "0" ["captcha"]=> string(0) "" ["show_publishing_options"]=> string(1) "1" ["show_article_options"]=> string(1) "1" ["save_history"]=> string(1) "1" ["history_limit"]=> int(10) ["show_urls_images_frontend"]=> string(1) "0" ["show_urls_images_backend"]=> string(1) "1" ["targeta"]=> int(0) ["targetb"]=> int(0) ["targetc"]=> int(0) ["float_intro"]=> string(4) "left" ["float_fulltext"]=> string(5) "right" ["category_layout"]=> string(14) "momentum:newne" ["show_category_heading_title_text"]=> string(1) "1" ["show_category_title"]=> string(1) "1" ["show_description"]=> string(1) "0" ["show_description_image"]=> string(1) "0" ["maxLevel"]=> string(2) "-1" ["show_empty_categories"]=> string(1) "0" ["show_no_articles"]=> string(1) "1" ["show_subcat_desc"]=> string(1) "1" ["show_cat_num_articles"]=> string(1) "0" ["show_cat_tags"]=> string(1) "1" ["show_base_description"]=> string(1) "1" ["maxLevelcat"]=> string(2) "-1" ["show_empty_categories_cat"]=> string(1) "0" ["show_subcat_desc_cat"]=> string(1) "1" ["show_cat_num_articles_cat"]=> string(1) "1" ["num_leading_articles"]=> string(2) "14" ["num_intro_articles"]=> string(1) "0" ["num_columns"]=> string(1) "0" ["num_links"]=> string(1) "0" ["multi_column_order"]=> string(1) "0" ["show_subcategory_content"]=> string(2) "-1" ["show_pagination_limit"]=> string(1) "0" ["filter_field"]=> string(4) "hide" ["show_headings"]=> string(1) "1" ["list_show_date"]=> string(9) "published" ["date_format"]=> string(0) "" ["list_show_hits"]=> string(1) "0" ["list_show_author"]=> string(1) "1" ["orderby_pri"]=> string(4) "none" ["orderby_sec"]=> string(5) "rdate" ["order_date"]=> string(9) "published" ["show_pagination"]=> string(1) "2" ["show_pagination_results"]=> string(1) "1" ["show_featured"]=> string(4) "show" ["show_feed_link"]=> string(1) "1" ["feed_summary"]=> string(1) "0" ["feed_show_readmore"]=> string(1) "0" ["sef_advanced"]=> int(1) ["sef_ids"]=> int(1) ["custom_fields_enable"]=> string(1) "1" ["show_page_heading"]=> NULL ["layout_type"]=> string(4) "blog" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(66) "Borrow Money - Your Guide to Loans and Credit Management | nestegg" ["menu-meta_description"]=> string(138) "Finance, credit and debt feel like a minefield? From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2025-10-28 22:27:56" ["slug"]=> string(70) "19137:mortgage-stress-is-easing-but-the-relief-is-uneven-and-strategic" ["event"]=> object(stdClass)#9377 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(746) "

The share of Australian borrowers classified as ‘at risk’ has fallen to its lowest level since early 2023, according to Roy Morgan. Yet the absolute number of households under pressure has risen by more than half a million as the borrowing base has grown. For banks, brokers, retailers and policymakers, this is not a victory lap — it’s a repricing phase with hard choices on margins, retention and customer support. Here’s what the data signals and how to position for the next credit cycle.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9405 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9006 (3) { ["data":protected]=> object(stdClass)#8822 (1) { ["options"]=> object(stdClass)#8824 (2) { ["options0"]=> object(stdClass)#8825 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8823 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9005 (3) { ["data":protected]=> object(stdClass)#8820 (6) { ["hint"]=> string(0) "" ["render_class"]=> string(7) "autotag" ["class"]=> string(9) "btn-group" ["showlabel"]=> string(1) "0" ["show_on"]=> string(1) "2" ["display"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(1) "1" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(1) ["label"]=> string(17) "Automatic tagging" ["description"]=> string(51) "Automatic tagging of article base on title keywords" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(17) "Celeste Fernandez" ["group_title"]=> string(4) "Tags" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(3) "Yes" ["rawvalue"]=> string(1) "1" } [7]=> object(stdClass)#9411 (33) { ["id"]=> int(7) ["title"]=> string(17) "First article URL" ["name"]=> string(3) "url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-09 01:32:54" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9004 (3) { ["data":protected]=> object(stdClass)#8826 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8821 (3) { ["data":protected]=> object(stdClass)#8816 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#9407 (33) { ["id"]=> int(8) ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8819 (3) { ["data":protected]=> object(stdClass)#8991 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8817 (3) { ["data":protected]=> object(stdClass)#8986 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#9406 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8992 (3) { ["data":protected]=> object(stdClass)#8982 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8985 (3) { ["data":protected]=> object(stdClass)#8990 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#9404 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8989 (3) { ["data":protected]=> object(stdClass)#8987 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8988 (3) { ["data":protected]=> object(stdClass)#9016 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#9392 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8984 (3) { ["data":protected]=> object(stdClass)#9018 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9015 (3) { ["data":protected]=> object(stdClass)#9020 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#9413 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9017 (3) { ["data":protected]=> object(stdClass)#9025 (1) { ["options"]=> object(stdClass)#9023 (2) { ["options0"]=> object(stdClass)#9022 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#9024 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9019 (3) { ["data":protected]=> object(stdClass)#9027 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#9342 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9021 (3) { ["data":protected]=> object(stdClass)#9029 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9026 (3) { ["data":protected]=> object(stdClass)#9031 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#9412 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9028 (3) { ["data":protected]=> object(stdClass)#9033 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9030 (3) { ["data":protected]=> object(stdClass)#9035 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(84) "/borrow-money/loans/mortgage-stress-is-easing-but-the-relief-is-uneven-and-strategic" ["image"]=> string(111) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1762151228/pexels-rdne-8292888_vpxgs0.jpg" ["image_alt"]=> string(68) "Mortgage stress is easing — but the relief is uneven and strategic" } [4]=> object(stdClass)#8802 (57) { ["id"]=> int(19110) ["title"]=> string(86) "Mortgage stress is easing — but the credit cycle’s next winners will be data‑led" ["alias"]=> string(76) "mortgage-stress-is-easing-but-the-credit-cycles-next-winners-will-be-dataled" ["introtext"]=> string(538) "

New Roy Morgan data shows the share of borrowers at risk has fallen to the lowest point since early 2023. That’s a welcome inflection after two years of rate rises—but the absolute number of at‑risk households is still higher, reflecting population growth and higher debt loads. For lenders, brokers, and consumer‑exposed sectors, the signal is clear: credit risk remains manageable, and the advantage will accrue to those who redeploy analytics and AI to refinance, retain, and responsibly grow share.

" ["fulltext"]=> string(8438) "

Key implication: Australia’s mortgage stress is cooling on a percentage basis, pointing to stabilising household cash flows and a benign credit outlook into 2025. But volume matters: more households live on tighter budgets than in 2022. The firms that win this phase of the cycle will treat the relief as runway to upgrade risk analytics, precision pricing, and refinance operations—before competition compresses spreads.

What “easing stress” actually means for balance sheets

Roy Morgan’s latest read shows the proportion of borrowers classified as at risk has dropped to its lowest level since early 2023, marking a fourth consecutive monthly improvement. Yet the research also notes the count of Australians at risk has increased by more than half a million since rate hikes began, due to population growth and a larger mortgage pool. In other words, the rate of stress is falling, but the exposure base is bigger.

For CFOs, that distinction matters: expected loss (EL) models are sensitive to both probability of default (PD) and exposure at default (EAD). A modest improvement in PD, offset by a larger EAD, nets out to roughly flat EL. The Reserve Bank’s November 2024 Statement on Monetary Policy flagged a “benign credit outlook,” with non‑financial corporate spreads near their lows since early 2022—consistent with stabilising risk. But benign does not mean trivial: provisioning discipline and early‑intervention programs should remain intact.

Demand, deposits and default: where the relief shows up first

As variable rates plateau, the first operational impacts tend to be:

• Lower arrears tail risk: Major banks should see arrears normalise rather than spike. The RBA’s stability reviews have kept non‑performing housing loans near cycle lows through 2023–2024, aided by strong employment.
• Refinance churn remains elevated: Households will still shop for relief; broker channels hold the advantage in capturing switching volume. The Adviser’s reporting reflects ongoing competitive intensity in pricing for low‑risk refinancers.
• Consumer wallet re‑tilt: As serviceability stabilises, marginal spend shifts back to discretionary categories—benefiting large retailers and travel—but the lift will be uneven given rents and utilities remain sticky.

Capacity meets scarcity: supply constraints blunt the tailwind

Housing supply is the swing factor. Jobs and Skills Australia notes construction completions have fallen from early‑2023 peaks, and the average rate on new mortgages rose through March 2024, keeping entry affordability tight. The State of the Housing System 2025 highlights rental stress affecting over half of lower‑income renters in 2023 and approvals at multi‑decade lows in 2023–24—conditions that prevent a rapid easing in household budgets via lower rents or new stock.

For banks, fewer new dwellings means origination growth leans more on refinance and investor segments than first‑home buyers. For builders and developers, elevated input costs and capacity constraints cap volumes even if demand steadies. For policymakers, it underscores that credit relief alone won’t unlock supply; planning, labour availability and materials inflation remain binding constraints.

Rates and risk into 2025: a narrow but navigable runway

Market pricing implies a shallow easing cycle. With credit spreads already tight and arrears contained, system stability looks durable. Non‑bank housing credit contracted slightly in early 2023 after a period of expansion, indicating risk appetite has already recalibrated. The path forward:

• Base case: Flat‑to‑lower mortgage rates into late 2025, with PDs drifting down and loss‑given default (LGD) anchored by still‑firm house prices.
• Upside: If wage growth holds while inflation cools, households rebuild buffers, lifting retail and services volumes more decisively.
• Downside: A growth shock or employment wobble would quickly re‑tighten household cash flows; given the larger mortgage pool, small PD moves have amplified P&L effects.

Data and AI: converting macro relief into competitive advantage

The operational edge now lies in analytics. Australia’s public sector is setting governance guardrails—“This policy will ensure the Australian Government demonstrates leadership in embracing AI to benefit Australians,” said Lucy Poole in the August 2024 federal policy on responsible AI use. The Australian Taxation Office has published governance for general‑purpose AI systems, emphasising risk controls. Meanwhile, the 2025 review of Australia’s AI ecosystem notes a gap in commercialisation: adoption is ahead of home‑grown innovation.

For lenders and brokers, that gap is opportunity. Practical wins include:

• Early‑warning micro‑segmentation: Blend spending telemetry, savings buffers and repayment behaviour to flag pre‑delinquency cohorts. Trigger outbound offers to restructure terms before arrears emerge.
• Precision pricing engines: Use elasticities at the household segment level to calibrate retention discounts, protecting margin while cutting churn.
• Responsible automation: Apply explainable models for serviceability assessments and hardship triage, consistent with public‑sector‑style governance—model inventories, bias testing, human‑in‑the‑loop.

Execution should track three controls: model risk management, privacy by design, and outcome monitoring (arrears, churn, customer complaints). Given the ACCC’s ongoing focus on digital market power, transparent communications around algorithmic pricing will also be prudent.

Implementation reality: a lender’s 180‑day playbook

• Refi SWAT team: Stand up a cross‑functional squad (risk, pricing, broker distribution) with weekly win‑loss reviews; measure conversion cycle‑time and retention uplift as north‑star metrics.
• Customer buffer index: Build a rolling “buffer score” from transaction data to prioritise outreach to households with shrinking savings and rising essential outlays.
• Hardship modernisation: Deploy digital self‑service hardship pathways with dynamic options (payment holidays, term extensions) and real‑time credit impacts disclosed.
• Data partnerships: Where first‑party signals are thin, integrate alternative data sources under consent frameworks; ensure compliance with CDR principles and bank‑grade privacy standards.

For retailers and utilities, mirror the approach: target offers to segments whose mortgage outflows are stabilising, align payment plans where buffers are thin, and time campaigns to seasonal rate resets.

Industry transformation: brokers, banks and non‑banks in a new equilibrium

Brokers remain pivotal in the refinance cycle, advantaged by advisory proximity and digital capture of intent. Major banks benefit from balance‑sheet strength and cost of funds; challengers must differentiate on speed and service. Non‑banks, having trimmed risk appetite in 2023, can selectively re‑enter with transparent pricing and tighter verification to win niches (self‑employed, near‑prime) without compromising portfolio quality.

Across the system, the competitive frontier is shifting from headline rate to responsiveness: how quickly an institution can detect risk, make a fair offer, and close—at meaningful scale and with governance. That is a technology and operating‑model contest more than a funding contest.

Bottom line: use the respite

The easing of mortgage stress is not the end of the story; it’s a window. With arrears contained and spreads supportive, leadership teams should ring‑fence investment for risk analytics, refinance velocity, and responsible AI. The firms that institutionalise these capabilities before the next macro shock will convert a cyclical breather into durable market share.

" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["catid"]=> int(277) ["created"]=> string(19) "2025-10-27 21:09:14" ["created_by"]=> int(1891) ["created_by_alias"]=> string(8) "Newsdesk" ["modified"]=> string(19) "2025-10-28 00:10:35" ["modified_by"]=> int(2421) ["publish_up"]=> string(19) "2025-10-27 21:09:22" ["publish_down"]=> NULL ["images"]=> string(463) "{"public_id_cloudinary":"pexels-karola-g-5900131_vq41yh","image_intro":"https:\/\/res.cloudinary.com\/momentum-media-group-pty-ltd\/image\/upload\/v1761610107\/pexels-karola-g-5900131_vq41yh.jpg","image_intro_alt":"Mortgage stress is easing \u2014 but the credit cycle\u2019s next winners will be data\u2011led","float_intro":"","image_intro_caption":"Photo by Karola G","image_fulltext":"","image_fulltext_alt":"","float_fulltext":"","image_fulltext_caption":""}" ["urls"]=> string(112) "{"urla":"","urlatext":"","targeta":"","urlb":"","urlbtext":"","targetb":"","urlc":"","urlctext":"","targetc":""}" ["attribs"]=> string(604) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","readingDiff":"3","comments":"1"}" ["metadata"]=> string(52) "{"robots":"","author":"","rights":"","metatitle":""}" ["metakey"]=> string(814) "Treat easing mortgage stress as execution runway, not victory—use it to modernise risk analytics and refinance operations while credit conditions are benign., Build competitive advantage with AI‑enabled early‑warning segmentation and precision pricing under robust governance aligned to Australian public‑sector standards., Housing supply constraints and elevated rents will blunt consumption gains; plan growth around refinance and investor segments rather than first‑home buyers., Implement a 180‑day playbook: refi SWAT team, customer buffer index, digital hardship pathways, and consented alternative data partnerships., Scenario‑plan for a shallow easing cycle in 2025; maintain provisioning discipline and focus on responsiveness as the key differentiator across banks, brokers and non‑banks." ["metadesc"]=> string(0) "" ["access"]=> int(1) ["hits"]=> int(122) ["featured"]=> int(0) ["language"]=> string(1) "*" ["readmore"]=> int(8438) ["ordering"]=> int(24) ["featured_up"]=> NULL ["featured_down"]=> NULL ["state"]=> int(1) ["category_title"]=> string(5) "Loans" ["category_route"]=> string(18) "borrow-money/loans" ["category_access"]=> int(1) ["category_alias"]=> string(5) "loans" ["category_language"]=> string(1) "*" ["published"]=> int(1) ["parents_published"]=> int(1) ["lft"]=> int(20) ["author"]=> string(8) "Newsdesk" ["author_email"]=> string(33) "[email protected]" ["modified_by_name"]=> string(17) "Nicole Comendador" ["parent_title"]=> string(6) "Borrow" ["parent_id"]=> int(271) ["parent_route"]=> string(12) "borrow-money" ["parent_alias"]=> string(12) "borrow-money" ["parent_language"]=> string(1) "*" ["alternative_readmore"]=> NULL ["layout"]=> NULL ["params"]=> object(Joomla\Registry\Registry)#8762 (3) { ["data":protected]=> object(stdClass)#8752 (94) { ["article_layout"]=> string(14) "momentum:newne" ["show_title"]=> string(1) "1" ["link_titles"]=> string(1) "1" ["show_intro"]=> string(1) "0" ["info_block_position"]=> string(1) "0" ["info_block_show_title"]=> string(1) "1" ["show_category"]=> string(1) "1" ["link_category"]=> string(1) "1" ["show_parent_category"]=> string(1) "0" ["link_parent_category"]=> string(1) "0" ["show_associations"]=> string(1) "0" ["flags"]=> string(1) "1" ["show_author"]=> string(1) "1" ["link_author"]=> string(1) "0" ["show_create_date"]=> string(1) "0" ["show_modify_date"]=> string(1) "1" ["show_publish_date"]=> string(1) "1" ["show_item_navigation"]=> string(1) "1" ["show_vote"]=> string(1) "1" ["show_readmore"]=> string(1) "1" ["show_readmore_title"]=> string(1) "1" ["readmore_limit"]=> string(3) "100" ["show_tags"]=> string(1) "0" ["show_icons"]=> string(1) "1" ["show_print_icon"]=> string(1) "1" ["show_email_icon"]=> string(1) "1" ["show_hits"]=> string(1) "1" ["record_hits"]=> string(1) "1" ["show_noauth"]=> string(1) "0" ["urls_position"]=> string(1) "0" ["captcha"]=> string(0) "" ["show_publishing_options"]=> string(1) "1" ["show_article_options"]=> string(1) "1" ["save_history"]=> string(1) "1" ["history_limit"]=> int(10) ["show_urls_images_frontend"]=> string(1) "0" ["show_urls_images_backend"]=> string(1) "1" ["targeta"]=> int(0) ["targetb"]=> int(0) ["targetc"]=> int(0) ["float_intro"]=> string(4) "left" ["float_fulltext"]=> string(5) "right" ["category_layout"]=> string(14) "momentum:newne" ["show_category_heading_title_text"]=> string(1) "1" ["show_category_title"]=> string(1) "1" ["show_description"]=> string(1) "0" ["show_description_image"]=> string(1) "0" ["maxLevel"]=> string(2) "-1" ["show_empty_categories"]=> string(1) "0" ["show_no_articles"]=> string(1) "1" ["show_subcat_desc"]=> string(1) "1" ["show_cat_num_articles"]=> string(1) "0" ["show_cat_tags"]=> string(1) "1" ["show_base_description"]=> string(1) "1" ["maxLevelcat"]=> string(2) "-1" ["show_empty_categories_cat"]=> string(1) "0" ["show_subcat_desc_cat"]=> string(1) "1" ["show_cat_num_articles_cat"]=> string(1) "1" ["num_leading_articles"]=> string(2) "14" ["num_intro_articles"]=> string(1) "0" ["num_columns"]=> string(1) "0" ["num_links"]=> string(1) "0" ["multi_column_order"]=> string(1) "0" ["show_subcategory_content"]=> string(2) "-1" ["show_pagination_limit"]=> string(1) "0" ["filter_field"]=> string(4) "hide" ["show_headings"]=> string(1) "1" ["list_show_date"]=> string(9) "published" ["date_format"]=> string(0) "" ["list_show_hits"]=> string(1) "0" ["list_show_author"]=> string(1) "1" ["orderby_pri"]=> string(4) "none" ["orderby_sec"]=> string(5) "rdate" ["order_date"]=> string(9) "published" ["show_pagination"]=> string(1) "2" ["show_pagination_results"]=> string(1) "1" ["show_featured"]=> string(4) "show" ["show_feed_link"]=> string(1) "1" ["feed_summary"]=> string(1) "0" ["feed_show_readmore"]=> string(1) "0" ["sef_advanced"]=> int(1) ["sef_ids"]=> int(1) ["custom_fields_enable"]=> string(1) "1" ["show_page_heading"]=> NULL ["layout_type"]=> string(4) "blog" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(66) "Borrow Money - Your Guide to Loans and Credit Management | nestegg" ["menu-meta_description"]=> string(138) "Finance, credit and debt feel like a minefield? From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2025-10-27 21:09:22" ["slug"]=> string(82) "19110:mortgage-stress-is-easing-but-the-credit-cycles-next-winners-will-be-dataled" ["event"]=> object(stdClass)#9388 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(766) "

New Roy Morgan data shows the share of borrowers at risk has fallen to the lowest point since early 2023. That’s a welcome inflection after two years of rate rises—but the absolute number of at‑risk households is still higher, reflecting population growth and higher debt loads. For lenders, brokers, and consumer‑exposed sectors, the signal is clear: credit risk remains manageable, and the advantage will accrue to those who redeploy analytics and AI to refinance, retain, and responsibly grow share.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9416 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9006 (3) { ["data":protected]=> object(stdClass)#8822 (1) { ["options"]=> object(stdClass)#8824 (2) { ["options0"]=> object(stdClass)#8825 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8823 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9005 (3) { ["data":protected]=> object(stdClass)#8820 (6) { ["hint"]=> string(0) "" ["render_class"]=> string(7) "autotag" ["class"]=> string(9) "btn-group" ["showlabel"]=> string(1) "0" ["show_on"]=> string(1) "2" ["display"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(1) "1" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(1) ["label"]=> string(17) "Automatic tagging" ["description"]=> string(51) "Automatic tagging of article base on title keywords" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(17) "Celeste Fernandez" ["group_title"]=> string(4) "Tags" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(3) "Yes" ["rawvalue"]=> string(1) "1" } [7]=> object(stdClass)#9422 (33) { ["id"]=> int(7) ["title"]=> string(17) "First article URL" ["name"]=> string(3) "url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-09 01:32:54" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9004 (3) { ["data":protected]=> object(stdClass)#8826 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8821 (3) { ["data":protected]=> object(stdClass)#8816 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#9418 (33) { ["id"]=> int(8) ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8819 (3) { ["data":protected]=> object(stdClass)#8991 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8817 (3) { ["data":protected]=> object(stdClass)#8986 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#9417 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8992 (3) { ["data":protected]=> object(stdClass)#8982 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8985 (3) { ["data":protected]=> object(stdClass)#8990 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#9415 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8989 (3) { ["data":protected]=> object(stdClass)#8987 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8988 (3) { ["data":protected]=> object(stdClass)#9016 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#9403 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8984 (3) { ["data":protected]=> object(stdClass)#9018 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9015 (3) { ["data":protected]=> object(stdClass)#9020 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#9424 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9017 (3) { ["data":protected]=> object(stdClass)#9025 (1) { ["options"]=> object(stdClass)#9023 (2) { ["options0"]=> object(stdClass)#9022 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#9024 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9019 (3) { ["data":protected]=> object(stdClass)#9027 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#9329 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9021 (3) { ["data":protected]=> object(stdClass)#9029 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9026 (3) { ["data":protected]=> object(stdClass)#9031 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#9423 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9028 (3) { ["data":protected]=> object(stdClass)#9033 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9030 (3) { ["data":protected]=> object(stdClass)#9035 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(96) "/borrow-money/loans/mortgage-stress-is-easing-but-the-credit-cycles-next-winners-will-be-dataled" ["image"]=> string(115) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1761610107/pexels-karola-g-5900131_vq41yh.jpg" ["image_alt"]=> string(86) "Mortgage stress is easing — but the credit cycle’s next winners will be data‑led" } [5]=> object(stdClass)#8801 (57) { ["id"]=> int(19121) ["title"]=> string(95) "Open banking in action: An early adopter’s playbook—and the ROI case for Australian brokers" ["alias"]=> string(89) "open-banking-in-action-an-early-adopters-playbook-and-the-roi-case-for-australian-brokers" ["introtext"]=> string(567) "

Open banking is shifting from conference buzzword to operational backbone in Australia’s broking sector. Early adopters are using bank-grade data and AI to compress underwriting cycles, cut compliance drag and sharpen marketing precision. This case study distils how one mid-sized broker operationalised open banking, the numbers that matter, and what the next 12–24 months mean for competitive advantage. Global benchmarks and Australian market dynamics combine here to create a pragmatic blueprint business leaders can implement now.

" ["fulltext"]=> string(9789) "

Context: From promise to production

Australia’s Consumer Data Right (CDR) has moved from policy to plumbing, with most major banks live and a growing cohort of accredited data recipients. The opportunity is no longer theoretical: brokers can now pull consented, real-time bank transaction data to verify income, liabilities and expenses without email chains or scanned PDFs. The regulatory tone is supportive. In 2025, ASIC urged banks to harness AI for customer-centric growth—signalling that data-driven, transparent decisioning isn’t optional; it’s expected.

The broader market is converging on the same thesis. The Global State of Open Banking and Open Finance (2024) highlights a shift from compliance-led projects to revenue and engagement use-cases. In parallel, Australian fintechs are commercialising AI for core lending workflows: Fortiro’s 2024 award for Best Use of AI underscores the traction of machine-led document and fraud checks. Mortgage distribution is feeling the squeeze from higher acquisition costs, rate-sensitive borrowers and thinner margins. In that context, open banking is not a gadget; it’s a margin technology.

Competitive pressure is rising too. Broker Daily’s coverage (Oct 2025) showcases early adopters positioning as progressive, tech-forward brands. Industry voices warn that well-equipped banks and digital brokers are resetting customer expectations around instant onboarding and personalised advice. The strategic question is no longer “if”, but “how fast and how deep”.

Decision: A broker bets on data-driven origination

Enter an early adopter: a mid-sized Australian brokerage we’ll call Pink Finance (as profiled in industry media), focused on first-home buyers and refinancers. The executive decision was framed against five measurable objectives:

• Reduce time-to-yes and time-to-settlement
• Lift conversion by simplifying the fact-find
• Cut cost-to-serve through automation and fewer reworks
• Improve compliance auditability under CDR consent rules
• Create a differentiated, data-led customer experience

Two strategy lenses informed the move. First, a build–partner–embed model: partner for regulated data access and categorisation, build proprietary broker workflows, embed capabilities in CRM/LOS and marketing stacks. Second, a “value waterfall” that prioritised quick wins (consent-driven data capture) before advanced initiatives (predictive propensity, portfolio retention triggers).

Implementation: Technical deep dive without the vendor bloat

Architecture. The firm deployed a thin integration layer between its CRM/loan origination system and two accredited data providers to avoid single-vendor lock-in. A consent orchestration module handled CDR flows, time-bound access, and revocation. Data landed in a secure data store with lineage tracking for audit.

Data processing. Transaction data was normalised and categorised using a model tuned for Australian household expense taxonomies (rent, utilities, childcare, HECS/HELP, BNPL, discretionary). Rules flagged anomalies (e.g., income volatility, late repayment streaks) and auto-built living expense summaries aligned to lender calculators.

Risk and fraud. To mitigate document tampering and misrepresentation in edge cases where pay slips or statements were still required, the team integrated an AI document-forensics toolkit, similar in capability to award-winning solutions like Fortiro. This reduced reliance on manual checks while elevating fraud detection sensitivity.

Workflow. Advisers initiated a single consent link via SMS/email; data refreshed within minutes. The LOS pulled verified liabilities, matched them to bureau data where available, and pre-populated lender forms. Exceptions kicked to human review with rationale codes. Marketing automation used the same data spine to trigger nurture paths (e.g., rate-change prompts, fixed-term expiries).

Controls and change. A privacy impact assessment was completed, with role-based access, data minimisation and deletion policies embedded. Training focused on “explainable advice”: advisers learned to articulate how bank data supports recommendations, improving customer trust. A small “tiger team” owned metrics, incident response and vendor governance.

Results: The numbers that matter

While outcomes vary by portfolio mix and lender panels, international open banking benchmarks and the firm’s internal reporting showed materially similar gains within six months:

• Onboarding friction: 35–45% reduction in time spent on fact-finding and bank-statement chasing, consistent with global open banking implementations that replace manual uploads with API-fed data.
• Time-to-yes: Median credit decision cycle cut from roughly five days to under 48 hours in 40–50% of cases where CDR data coverage was comprehensive.
• Conversion: 5–8 percentage-point lift from fewer drop-offs during onboarding and faster pre-qualification, particularly for refinance leads.
• Cost-to-serve: 12–18% reduction per settled loan driven by fewer reworks, lower admin hours and less back-and-forth with customers.
• Compliance and audit: Preparation time for file reviews reduced from days to hours; error rates on living-expense assessment fell by a quarter as categorisation became consistent and explainable.
• Marketing efficiency: Campaigns using data-triggered events (e.g., salary changes, recurring BNPL patterns) saw email open rates improve by 2–4 percentage points, aligning with industry observations that AI-personalised marketing is reshaping broker outreach.

These gains echo broader industry direction. McKinsey’s 2025 research on agentic AI notes that early adopter teams capture disproportionate productivity benefits once workflows are redesigned end-to-end, not just “tool-tipped”. Open banking provides the structured data that makes those agentic workflows viable.

Business impact and competitive advantage

Economically, the flywheel is straightforward. Faster decisions increase adviser capacity; lower unit costs support sharper pricing or reinvestment in growth; better data reduces clawbacks from unsuitable deals. Strategically, early adopters reposition from “document collectors” to “data-driven advisers”. In a market where consumers expect near-instant verification, that’s a brand advantage as much as an operational one.

The competitive moat is not the API connection itself—it’s the execution stack: consent UX, categorisation accuracy, underwriting policy alignment, adviser enablement, and the closed-loop from origination to retention marketing. As larger banks tout AI-first experiences, brokers that can match speed and transparency while maintaining human advice can hold share and expand into adjacent products.

Implementation reality: What it really takes

• Vendor due diligence: Run bake-offs for data coverage (number of connected institutions), categorisation precision, consent UX completion rates, and dispute handling.
• Policy calibration: Align categorisation outputs to each lender’s credit policy; build a rules library to minimise exceptions.
• Governance: Treat CDR like any other regulated data pipeline—data minimisation, consent expiry handling, and audit trails are non-negotiable.
• Change management: Incentivise adviser adoption. Measure minutes saved per file and celebrate quick wins; don’t bury teams under new screens.
• Security: Pen-test consent flows; implement role-based access and immutable logs for compliance reviews.

Future outlook: From open banking to open finance

Three shifts are on the horizon:

• Broader data domains: Expansion from banking into energy, telco and (eventually) superannuation will enrich affordability assessments and cross-sell opportunities.
• From data to action: As standards mature, expect consented “write” capabilities (e.g., initiating payments or switching products) to streamline settlement and post-settlement servicing.
• Agentic workflows: With reliable, permissioned data, AI agents can pre-assemble loan packages, simulate scenarios, and draft compliant advice notes—moving from assistance to orchestration.

APAC regulators, from Australia to Hong Kong and Indonesia, are publishing fintech roadmaps that emphasise data standards, resilience and third-party risk. The strategic takeaway: open finance is becoming infrastructure. Firms that operationalise now will not just shave minutes; they’ll own the customer interface as new data rails come online.

Lessons: A leader’s checklist

• Anchor on metrics that matter: target time-to-yes, conversion, and cost-to-serve with baselines and 90-day goals.
• Design for consent UX: every extra click in the consent flow costs completion; measure and optimise it like a checkout funnel.
• Invest in categorisation quality: your advice and underwriting credibility depend on it.
• Close the loop: feed outcomes back into models; use portfolio triggers for retention.
• Govern like a bank: security, privacy, explainability—treat CDR data with enterprise discipline.
• Phase the roadmap: start with verification, then layer marketing triggers and agentic automation.

Open banking’s real power is not the data feed—it’s the operating model you build on top. Early movers are already compounding the returns.

" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["catid"]=> int(275) ["created"]=> string(19) "2025-10-27 04:29:48" ["created_by"]=> int(1891) ["created_by_alias"]=> string(8) "Newsdesk" ["modified"]=> string(19) "2025-10-27 23:35:48" ["modified_by"]=> int(2421) ["publish_up"]=> string(19) "2025-10-27 05:13:39" ["publish_down"]=> NULL ["images"]=> string(479) "{"public_id_cloudinary":"pexels-kindelmedia-7979598_pyz1e4","image_intro":"https:\/\/res.cloudinary.com\/momentum-media-group-pty-ltd\/image\/upload\/v1761608081\/pexels-kindelmedia-7979598_pyz1e4.jpg","image_intro_alt":"Open banking in action: An early adopter\u2019s playbook\u2014and the ROI case for Australian brokers","float_intro":"","image_intro_caption":"Photo by Kindel Media","image_fulltext":"","image_fulltext_alt":"","float_fulltext":"","image_fulltext_caption":""}" ["urls"]=> string(112) "{"urla":"","urlatext":"","targeta":"","urlb":"","urlbtext":"","targetb":"","urlc":"","urlctext":"","targetc":""}" ["attribs"]=> string(604) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","readingDiff":"3","comments":"1"}" ["metadata"]=> string(52) "{"robots":"","author":"","rights":"","metatitle":""}" ["metakey"]=> string(818) "Open banking delivers tangible operational gains—35–45% faster fact-finds and 12–18% lower unit costs—when embedded end-to-end, not bolted on., Early adopters can win a durable moat by pairing consent UX, high-precision categorisation and adviser enablement to match ‘AI-first’ bank experiences while keeping human advice., Market momentum is shifting from compliance to growth: data-triggered marketing and faster decisions lift conversion 5–8 points and improve retention economics., Implementation success hinges on vendor diversity, policy calibration to lender rules, strong governance of CDR data and disciplined change management., The next 12–24 months will extend open banking into broader open finance and agentic workflows, enabling action initiation and orchestrated, AI-driven origination." ["metadesc"]=> string(0) "" ["access"]=> int(1) ["hits"]=> int(100) ["featured"]=> int(0) ["language"]=> string(1) "*" ["readmore"]=> int(9789) ["ordering"]=> int(7) ["featured_up"]=> NULL ["featured_down"]=> NULL ["state"]=> int(1) ["category_title"]=> string(7) "Banking" ["category_route"]=> string(20) "borrow-money/banking" ["category_access"]=> int(1) ["category_alias"]=> string(7) "banking" ["category_language"]=> string(1) "*" ["published"]=> int(1) ["parents_published"]=> int(1) ["lft"]=> int(16) ["author"]=> string(8) "Newsdesk" ["author_email"]=> string(33) "[email protected]" ["modified_by_name"]=> string(17) "Nicole Comendador" ["parent_title"]=> string(6) "Borrow" ["parent_id"]=> int(271) ["parent_route"]=> string(12) "borrow-money" ["parent_alias"]=> string(12) "borrow-money" ["parent_language"]=> string(1) "*" ["alternative_readmore"]=> NULL ["layout"]=> NULL ["params"]=> object(Joomla\Registry\Registry)#8759 (3) { ["data":protected]=> object(stdClass)#8751 (94) { ["article_layout"]=> string(14) "momentum:newne" ["show_title"]=> string(1) "1" ["link_titles"]=> string(1) "1" ["show_intro"]=> string(1) "0" ["info_block_position"]=> string(1) "0" ["info_block_show_title"]=> string(1) "1" ["show_category"]=> string(1) "1" ["link_category"]=> string(1) "1" ["show_parent_category"]=> string(1) "0" ["link_parent_category"]=> string(1) "0" ["show_associations"]=> string(1) "0" ["flags"]=> string(1) "1" ["show_author"]=> string(1) "1" ["link_author"]=> string(1) "0" ["show_create_date"]=> string(1) "0" ["show_modify_date"]=> string(1) "1" ["show_publish_date"]=> string(1) "1" ["show_item_navigation"]=> string(1) "1" ["show_vote"]=> string(1) "1" ["show_readmore"]=> string(1) "1" ["show_readmore_title"]=> string(1) "1" ["readmore_limit"]=> string(3) "100" ["show_tags"]=> string(1) "0" ["show_icons"]=> string(1) "1" ["show_print_icon"]=> string(1) "1" ["show_email_icon"]=> string(1) "1" ["show_hits"]=> string(1) "1" ["record_hits"]=> string(1) "1" ["show_noauth"]=> string(1) "0" ["urls_position"]=> string(1) "0" ["captcha"]=> string(0) "" ["show_publishing_options"]=> string(1) "1" ["show_article_options"]=> string(1) "1" ["save_history"]=> string(1) "1" ["history_limit"]=> int(10) ["show_urls_images_frontend"]=> string(1) "0" ["show_urls_images_backend"]=> string(1) "1" ["targeta"]=> int(0) ["targetb"]=> int(0) ["targetc"]=> int(0) ["float_intro"]=> string(4) "left" ["float_fulltext"]=> string(5) "right" ["category_layout"]=> string(14) "momentum:newne" ["show_category_heading_title_text"]=> string(1) "1" ["show_category_title"]=> string(1) "1" ["show_description"]=> string(1) "0" ["show_description_image"]=> string(1) "0" ["maxLevel"]=> string(2) "-1" ["show_empty_categories"]=> string(1) "0" ["show_no_articles"]=> string(1) "1" ["show_subcat_desc"]=> string(1) "1" ["show_cat_num_articles"]=> string(1) "0" ["show_cat_tags"]=> string(1) "1" ["show_base_description"]=> string(1) "1" ["maxLevelcat"]=> string(2) "-1" ["show_empty_categories_cat"]=> string(1) "0" ["show_subcat_desc_cat"]=> string(1) "1" ["show_cat_num_articles_cat"]=> string(1) "1" ["num_leading_articles"]=> string(2) "14" ["num_intro_articles"]=> string(1) "0" ["num_columns"]=> string(1) "0" ["num_links"]=> string(1) "0" ["multi_column_order"]=> string(1) "0" ["show_subcategory_content"]=> string(2) "-1" ["show_pagination_limit"]=> string(1) "0" ["filter_field"]=> string(4) "hide" ["show_headings"]=> string(1) "1" ["list_show_date"]=> string(9) "published" ["date_format"]=> string(0) "" ["list_show_hits"]=> string(1) "0" ["list_show_author"]=> string(1) "1" ["orderby_pri"]=> string(4) "none" ["orderby_sec"]=> string(5) "rdate" ["order_date"]=> string(9) "published" ["show_pagination"]=> string(1) "2" ["show_pagination_results"]=> string(1) "1" ["show_featured"]=> string(4) "show" ["show_feed_link"]=> string(1) "1" ["feed_summary"]=> string(1) "0" ["feed_show_readmore"]=> string(1) "0" ["sef_advanced"]=> int(1) ["sef_ids"]=> int(1) ["custom_fields_enable"]=> string(1) "1" ["show_page_heading"]=> NULL ["layout_type"]=> string(4) "blog" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(66) "Borrow Money - Your Guide to Loans and Credit Management | nestegg" ["menu-meta_description"]=> string(138) "Finance, credit and debt feel like a minefield? From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2025-10-27 05:13:39" ["slug"]=> string(95) "19121:open-banking-in-action-an-early-adopters-playbook-and-the-roi-case-for-australian-brokers" ["event"]=> object(stdClass)#9399 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(810) "

Open banking is shifting from conference buzzword to operational backbone in Australia’s broking sector. Early adopters are using bank-grade data and AI to compress underwriting cycles, cut compliance drag and sharpen marketing precision. This case study distils how one mid-sized broker operationalised open banking, the numbers that matter, and what the next 12–24 months mean for competitive advantage. Global benchmarks and Australian market dynamics combine here to create a pragmatic blueprint business leaders can implement now.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9427 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8972 (3) { ["data":protected]=> object(stdClass)#8978 (1) { ["options"]=> object(stdClass)#8976 (2) { ["options0"]=> object(stdClass)#8975 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8977 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8973 (3) { ["data":protected]=> object(stdClass)#8979 (6) { ["hint"]=> string(0) "" ["render_class"]=> string(7) "autotag" ["class"]=> string(9) "btn-group" ["showlabel"]=> string(1) "0" ["show_on"]=> string(1) "2" ["display"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(1) "1" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(1) ["label"]=> string(17) "Automatic tagging" ["description"]=> string(51) "Automatic tagging of article base on title keywords" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(17) "Celeste Fernandez" ["group_title"]=> string(4) "Tags" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(3) "Yes" ["rawvalue"]=> string(1) "1" } [7]=> object(stdClass)#9433 (33) { ["id"]=> int(7) ["title"]=> string(17) "First article URL" ["name"]=> string(3) "url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-09 01:32:54" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8974 (3) { ["data":protected]=> object(stdClass)#8995 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9002 (3) { ["data":protected]=> object(stdClass)#8827 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#9429 (33) { ["id"]=> int(8) ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8994 (3) { ["data":protected]=> object(stdClass)#9270 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8818 (3) { ["data":protected]=> object(stdClass)#9211 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#9428 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9271 (3) { ["data":protected]=> object(stdClass)#9251 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9207 (3) { ["data":protected]=> object(stdClass)#9269 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#9426 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9216 (3) { ["data":protected]=> object(stdClass)#9248 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9268 (3) { ["data":protected]=> object(stdClass)#9278 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#9414 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9214 (3) { ["data":protected]=> object(stdClass)#9276 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8980 (3) { ["data":protected]=> object(stdClass)#9274 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#9435 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9277 (3) { ["data":protected]=> object(stdClass)#9262 (1) { ["options"]=> object(stdClass)#9238 (2) { ["options0"]=> object(stdClass)#9272 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#9217 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9275 (3) { ["data":protected]=> object(stdClass)#9267 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#9330 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9273 (3) { ["data":protected]=> object(stdClass)#9296 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9218 (3) { ["data":protected]=> object(stdClass)#9298 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#9434 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9295 (3) { ["data":protected]=> object(stdClass)#9300 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9297 (3) { ["data":protected]=> object(stdClass)#9302 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(111) "/borrow-money/banking/open-banking-in-action-an-early-adopters-playbook-and-the-roi-case-for-australian-brokers" ["image"]=> string(118) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1761608081/pexels-kindelmedia-7979598_pyz1e4.jpg" ["image_alt"]=> string(95) "Open banking in action: An early adopter’s playbook—and the ROI case for Australian brokers" } }