Which of our bets are moving the number, and which are only shipping?
MeasuresEvery bet judged by a number read from source.
SignalsCustomer words land on the goal they bear on.
The gapThe share no work reaches, always shown.
One goal, running
Each bet takes a share of the gap. The rest is the share no work reaches.
Kestrel Bankdemo data
Outcome · measureddemo
A mortgage offer in a day, not a fortnight
Nadia Farouk holds this · it serves Eight million customers who call us their main bank
Time to offerAt risk
9.9 days
Target
3 days
Due
19 Feb 2027
Expected on
11.4 days1.5 days ahead
5.4 daysnot coveredThe part of the gap no work is aimed at yet.5.8 days covered by work4.3 days so farGapHow far the number still has to move to hit the target.11.2 days
Open-banking incomeIncome verified through open banking, not payslips+3 days · 0.82 correlation
Early valuationValuation booked when the application is submitted+2 days · 0.74 correlation
Broker statusBrokers see application status live+0.8 days · 0.88 correlation
Legacy queueRetire the legacy underwriting queuesupports other work
Affordability refreshAffordability model refreshed for Consumer Dutykeeps us safe
What customers said
2 topics
Decision in principle takes two days to come back to the broker
“Submitted a DIP on Tuesday morning, still referred on Thursday. The client has gone with another lender who answered in four minutes.”zendesk
“DIP turnaround is the reason we place elsewhere. Our clients want an answer at the first meeting.”qualtrics
420 mentions380 peoplemade a goal
Porting a mortgage means starting the application again
“We are moving house and want to keep our mortgage with you. I have been asked for the same payslips, bank statements and ID I gave you two years ago.”zendesk
330 mentions1,250 peopleopen
Kestrel Bank is fictional. The arithmetic is the product’s own.