Many lenders are investing heavily in artificial intelligence (AI) to improve customer journeys, and enhancements to their direct proposition may well impact parts of the advice channel in the future. In fact, Ami recently published the first in a series of factsheets on AI in the advice process: practical guidance to help smaller, directly authorised firms explore the opportunities and adopt it safely. The pace of change is unlikely to slow, and the priority now is for all of us to work together to shape the future mortgage market, because the future isn’t advice or technology, it’s advice and technology. I was reminded of this recently while attending an FCA TechSprint event on Open Finance and the mortgage journey. Those discussions are a core part of the advice process, helping consumers look beyond the immediate transaction and consider the wider impact.