Breaking Down Vertical Fragmentation: Why the Future Lies in Horizontal Digital Integration (HDI)
Release Date: 10/02/2024
HDI Strategy Development for Lenders Internal vs External
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🔍 Is your digital strategy keeping up with the demands of today’s home buying journey? In our latest Digital Disruption Podcast, we unpack Horizontal Digital Integration (HDI) — a game-changing strategy for UK lenders and ecosystem players. 🏡 The challenge? Internal optimisation has hit its ceiling. 💡 The opportunity? Collaborating left and right — across CRMs, brokers, estate agents and data sources — to unlock new revenue, reduce fallouts, and dramatically increase efficiency. Key takeaways include: 🔹 How internal HDI streamlines underwriting and speeds up workflows 🔹...
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Key insights from the podcast: The Shift to Interconnected Systems: The market is moving from siloed "vertical phase" digitisation to the collaborative "horizontal phase" through Horizontal Digital Integration (HDI). Consumer and Market Maturity: Over 50% of home buyers are now "digital natives" demanding seamless, tech-driven experiences akin to e-commerce platforms. Vendors and market players now possess the technological readiness for interconnected systems. Potential opportunities with HDI: could increase efficiency, revenue, and consumer satisfaction through interoperability and...
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In this episode of the Digital Disruption Podcast, Chris Williams and Pete Gatenby discuss the challenges and implications of a "strategic disconnect" in digital transformation within the home buying and selling market. Building on their previous discussion about horizontal digital integration (HDI), they explore how a lack of understanding around HDI and poor communication between strategy and delivery teams can lead to serious consequences. Key points include: Strategic Disconnect: A gap between an organisations strategic goals and the execution by implementation teams, often caused by poor...
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Breaking Down Vertical Fragmentation: Why the Future Lies in Horizontal Digital Integration (HDI)
Digital Disruption
In this episode of the Digital Disruption Podcast, hosts Chris Williams and Pete Gatenby delve into the topic of vertical fragmentation and its impact on the UK home buying process. They discuss how isolated digital solutions have led to inefficiencies, delays, and friction in transactions across the property market's ecosystem. With various actors like vendors, lenders, and property firms all affected, the need for a more holistic approach becomes clear. Chris and Pete introduce Horizontal Digital Integration (HDI) as the solution to the current fragmentation. They highlight the need for...
info_outlineIn this episode of the Digital Disruption Podcast, hosts Chris Williams and Pete Gatenby delve into the topic of vertical fragmentation and its impact on the UK home buying process. They discuss how isolated digital solutions have led to inefficiencies, delays, and friction in transactions across the property market's ecosystem. With various actors like vendors, lenders, and property firms all affected, the need for a more holistic approach becomes clear.
Chris and Pete introduce Horizontal Digital Integration (HDI) as the solution to the current fragmentation. They highlight the need for interoperability and collaboration across all parties in the ecosystem to improve the customer experience, maintain competitive advantages, and increase efficiency in decision-making. The conversation explores practical steps for businesses to begin implementing HDI, including conducting mapping exercises to assess existing technologies and identifying potential collaborative partners.
The hosts provide real-world examples of HDI in action, such as Zoopla's integration with mortgage brokers and LMS Connells' pilot focusing on upfront data sharing to streamline processes. They also emphasize that organizations of all sizes can play a role in this shift—even those without large technology teams.
The episode concludes with an open invitation for listeners to engage further on HDI and its potential to transform the property market. Additionally, they announce the launch of Novus Strategy and Consulting's new physical newsletter, offering unbiased insights and analysis to support digital transformation in the home buying sector.
This episode is a call to action for stakeholders in the industry to embrace HDI, leverage technology, and put the customer at the heart of their strategies.
For more insights, visit our website or connect with us on LinkedIn.
To connect with Pete on LinkedIn visit - Pete's LinkedIn profile
To connect with Chris on LinkedIn visit - Chris's LinkedIn profile
For more insights and assistance in your digital transformation, visit https://www.novus-strategy.com/ and connect with us on LinkedIn at https://www.linkedin.com/company/novus-strategy/ or email us at [email protected].