E77: Desjardins, New CMA Features, and M3 VIP Trip

In this episode of Mortgage Tech Talks, Tom breaks down the biggest shifts happening in Canada's mortgage technology landscape — from major lender-platform disconnections to what AI could mean for the future of mortgage app development.

We cover:

• Why top lenders are cutting ties with major tech platforms

• Real examples of platform incentives (like free trips) and their long-term strategy

• A powerful update from Ben Salami (Canadian Mortgage App) and why his coding approach is a game-changer

• The potential of AI tools like ChatGPT to empower non-coders to build game-changing tools

If you're a mortgage professional, lender, tech builder, or just love staying ahead of the curve in this space—this one’s for you.

👇 Timestamps 00:00 – Can ChatGPT turn mortgage pros into coders? 00:44 – Welcome to the episode + key themes 04:25 – Platform economics: Why lenders are switching highways 05:34 – Exclusive partnerships: Not new, but more aggressive 06:12 – Could this fracture the marketplace model? 07:27 – Will brokers be forced into multiple portals? 08:04 – Industry-wide implications: are platforms losing value? 08:37 – M3 VIP trip strategy breakdown 09:26 – Platform incentives: the “free dry cleaning” analogy 10:47 – Boss, Uber, and network effects 12:01 – More users = more leverage with lenders 13:04 – Ben Salami’s new CMA feature release 13:58 – Scenario planning tools for mortgage brokers 14:40 – Comparing fixed vs. variable + lender options 15:34 – Why Ben's speed in building is his superpower 16:46 – Iteration cycles: 1 week vs 10 minutes 17:25 – How AI might democratize fast iterations 18:26 – Final thoughts + call to share

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