John Barbour opinion: AI can take the homework, not the credit decision

Created Nov 6, 2026 • AI-generated summary

Mortgage Soup opinion article published 6 November 2026 by John Barbour, senior director of Broadstone Banking and Credit Advisory Services, arguing AI can support mortgage and lending workflows (organising information, comparing documents, flagging cases) but should not make or approve credit decisions, citing the four-eyes principle, Consumer Duty outcomes monitoring, and ongoing research with UK lenders and funders. Membership limited to coverage of this specific opinion article.