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Everything is changing,
everywhere and housing needs
to prepare
www.hact.org.uk
Polarisation of income
Polarisation of income
A lost (and losing) generation
A lost (and losing) generation
A decade of pay stagnation
A decade of pay stagnation
Forever trapped in moderate
poverty
Wealth
polarisation
18 December 2015
Office for National Statistics | 2
this article are just a small selection of the main conclusions drawn to date – and are supported by
the more comprehensive statistical bulletin accompanying this article.
Household total wealth
In July 2012 to June 2014 aggregate total household wealth (including private pension wealth) of all
private households in Great Britain was £11.1 trillion.
The distribution of wealth is highly skewed towards the top - the wealth held by the richest 10% of
households combined was just under £5 trillion and represented a 45% share of aggregate total
wealth. Conversely the combined wealth of the bottom half of households in the distribution was
less than £1.0 trillion; a value which accounted for just 9% of aggregate total wealth (Figure 1). The
wealth of the least wealthy 10% of households accounted for less than half of 1% of aggregate total
wealth.
Figure 1: Distribution of total household wealth
Great Britain, July 2012 to June 2014
Source: Wealth and Assets Survey - Office for National Statistics
Notes:
1. Click to enlarge image
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Home ownership in freefall
Back to the ‘30s for the
young
Long term its robots not migrants we should
fear
Public spending continuing to be
squeezed
Does politics make much of a difference
anymore?
WHAT HAS THIS GOT TO DO WITH
AMERICA?
Extremism and the failure of the post war
settlement
A howl of anger from the left behind
Loss of faith in institutions
Loss of faith in institutions
Loss of faith in institutions
Radically changing shape to the
state
Pensioners vs the poor
Brexit going to make it all that much
worse
WHERE IS ALL THIS GOING?
WHY ARE ALL THESE UTTERLY
ALIENATING FACTS, STATISTICS,
PHOTOS AND TABLES IMPORTANT?
Who remembers life before
mobile?
Who remembers life before
networks?
Who remembers life before
spreadsheets?
Nothing’s changed
Like some TV shows, housing pretends to
change but is the same as it always has
been
But the operating environment has been
transformed
Existing business models are time expired
Running but standing still
Whilst business plans combust
The real world overtakes us
And the economy falls off a cliff for
many
So…if we were starting now what would a modern, fit for purpose housing provider look like?
Functional core business systems?
Homes built by robots?
Properly connected homes?
Good quality data on residents
Systems that talk to one another?
Learning lessons from other sectors’ transformations?
So when is this all this new stuff going to happen?
Especially the robots?
Robots building homes?
Viable connected devices are entering the housing market
Intelligent boilers are now entering the marketplace
And AI is poised to displace humans from the customer care
While we’re at it, why are housing management systems so one dimensional?
And we may soon replace…
report
procure
repair
…with this…
Repairs platform
choose rate enhance?
manage
prequalify
fund
quality speed price
Of course it would all happen faster if we sorted out housing data….
Check out the future
More info:
HACT LaunchPad – [email protected] data standards – [email protected]
Futures consultancy – [email protected] impact advice - [email protected]
Social value & procurement – [email protected] community – [email protected]
Data, mapping & analytics – [email protected]
www.hact.org.
uk020 7250 8500 49-51 East Rd, London
