Empower Your Members. Modernize Your Operations. Keep Mutuality at the Core.
Transform how you onboard members, originate mortgages, and manage savings—without sacrificing your values.
Get special access to the Whitecap Consulting Building Societies Report for 2025, created in collaboration with the Building Societies Association.
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Why Change?
The Challenges Facing UK Building Societies
The building society sector has undergone rapid and dramatic shifts. Technology has played a pivotal role in reshaping the sector, with building societies showing impressive growth in the past four years alone. In fact, it is expected that the industry will double in size in the next four years. But what is taking place at the heart of the sector, and what strategies are CEOs employing to stay on track?
Access the 2025 Building Societies Report from Whitecap Consulting and the Building Societies Association for more key findings and invaluable insights.
60% of CEOs say digital transformation is now essential, not optional.
Over 80% of mortgages are originated through brokers, yet digital broker integrations lag.
Branches are evolving into advisory and community hubs—not disappearing.
Member onboarding and servicing expectations are increasingly digital-first and mobile-driven.
"AI is no longer a future consideration, it is a present risk and opportunity."
Building Societies Report2025
Future Proof Your Mortgage Strategy
Discover how to futureproof your mortgage operations in our e-book. Get practical recommendations to accelerate digital transformation without compromising customer relationship or compliance.
Modernizing Mortgage and Lending Platforms
In this Evolv episode, we explore what it takes for building societies and specialist lenders to modernize lending operations while sustaining growth, efficiency, and trust, through a practical conversation with Josh and Ben from Woodhurst Consulting.
Balancing Tradition and Transformation
In this FintechOS podcast, experts from Whitecap Consulting, the Building Societies Association, and Publicis Sapient discuss how building societies can modernize without losing trust , from evolving branches and AI adoption to green finance and engaging the next generation.
How FintechOS Can Help
Designed for Mutuals. Built for the Future.
FintechOS empowers building societies to unify savings and mortgages on a single, core-agnostic platform. Launch products quickly, integrate seamlessly, and scale confidently to compete with digital-first lenders. Our automation delivers a superior experience for colleagues and brokers while accelerating your Time to Money through modern, end-to-end origination.
Digital Onboarding
Streamlined journeys for savings and deposits across branch, web, and mobile.
Mortgage Origination
Broker-first workflows, smart underwriting, and configurable product design.
Branch-Connected
Seamlessly bridge branch and digital with a shared product catalog and composable back office.
Data, AI, and Automation
Personalised offers, instant approvals, and scalable servicing—all powered by real-time data and low-code tools.
Avant Money is Transforming Mortgages in Ireland
What used to take six months now takes just six weeks. With FintechOS, Avant Money launched 11 innovative mortgage products—including The One Mortgage (long-term fixed), flexible fixed terms, and Ireland’s lowest variable rate with the new Flex Mortgage.
The FintechOS Platform
A Next-Generation Product Engine
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Download: 2025 Innovation Playbook for Building Societies
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