Alexandra Ciocănel

Speculating on Speculation? Thinking Within and Beyond the Mortgage Present a Reply to the Comments on ‘Envisioning Mortgage Futures’

This piece replies to some fine scholarship from the five commentators who have taken up the pen in response to our focus article. We take up four themes running through the commentaries: the novelty of the imagined future, the politics of prediction, the social life of the score...

Envisioning Mortgage Futures

This paper explores how open banking and algorithmic profiling are reshaping mortgage lending in the UK. Drawing on interviews with lenders, brokers, technology developers and borrowers, it examines how transaction data, behavioural analytics and predictive modelling are being us...