The process of obtaining a mortgage with the bank used to have a lot more human interaction, e.g bank staff doing DIPs and in person appointments. More recently the process has become more automated.

 Please describe the change in the process from human interaction to automation, e.g What the process used to entail and now what has changed.

Please analyse whether the automation is in the individuals interest or whether the risk has increased. 

How could those risks be mitigated?