How tech is making life easier for brokers and borrowers

Q. How has RedZed used tech to help brokers?

Since starting the business, we’ve always sought better ways to educate borrowers and give brokers more confidence to diversify and serve the self-employed.

We wanted to do this right so we engaged Humbli, a leader in customer education because they share our passion for simplifying critical financial concepts and equitable access to financial understanding.

We worked together to create our digital Self-Employed Broker Academy (SEBA) – an ever-expanding library of online learning modules designed to help brokers service self-employed borrowers.

Q. What material do the SEBA courses cover?

SEBA is free to all RedZed-accredited brokers and aims to help them diversify their businesses, broaden their customer segments, and transition loan packaging assistants into loan writers.

There are three SEBA courses currently available: Introduction to Self-Employed Lending (5 CPD points); Fundamentals of SMSF Lending (5 CPD points); and our latest course, Introduction to Secured Short-term Commercial Lending (5 CPD points) that we launched in March 2025.

Each course consists of five interactive videos and five deep-dive supporting resources that brokers are welcome to work through at their own pace.

New courses will be regularly added to the library.

Q. How can RedZed brokers access SEBA?

SEBA is accessed through Introducer Connect, our online broker portal where RedZed-accredited brokers can also check the status of loan applications, review their RedZed portfolio, and access RedZed resources such as rate guides and application forms.

To support our borrowers, we also have our online customer portal and mobile app, RedZed Connect, which allows customers to easily view their loan balances and statements, digitally request redraws, and make extra payments online.

Q. You’ve also recently collaborated with Humbli on a new technology solution – Dynamic Disclosure. What is it and what borrower pain points does it seek to address?

Traditional terms and conditions (T&Cs) are long, complex, and filled with legal jargon. Many customers skim through or ignore these critical documents, increasing their financial risk and leaving lenders exposed to growing regulatory scrutiny.

Dynamic Disclosure is the solution we have developed in conjunction with Humbli. It revolutionises the T&Cs experience for customers, replacing long, dense, and static documents like PDFs with an intuitive digital experience. Leveraging AI and behavioural science, Dynamic Disclosure will guide consumers through reviewing and signing their loan documents.

Q. How does Dynamic Disclosure work?

We want borrowers to be able to explore and digest what it means to take out a loan and have a greater understanding of it. This solution is designed to explain key concepts in a way that is visually stimulating and easy to understand.

The Dynamic Disclosure platform will feature:

• Mindful friction: Deliberate pause points to encourage consumers to pause, reflect, and engage with T&Cs before committing.

• Embedded nanolearning: Brief learning videos that simplify critical financial concepts and information.

• Interactive document overlays: Complex definitions and clauses are highlighted dynamically, making documents easier to digest and navigate.

Q. How will this tool help improve brokers’ services?

The third-party channel is a core part of our business and brokers were sharing that their customers were finding contracts frustrating and cumbersome. This initiative not only aims to help our self-employed customers better understand their financial commitments before they sign, but it will give brokers the opportunity to offer a seamless, interactive, and easy-to-use tool to clients choosing RedZed, enhancing the customer experience they provide and strengthening their credibility.