--- title: Mobysoft Blog | Derek Steele description: Derek is founder and CEO of Mobysoft --- - 0161 974 2000 [enquiries@mobysoft.com](mailto:enquiries@mobysoft.com) - - [![Mobysoft](https://blog.mobysoft.com/hubfs/Mobysoft_February2018%20Theme/Images/mobysoft_logo.png)](https://www.mobysoft.com/) - [Products](https://www.mobysoft.com/products) - [RentSense](https://www.mobysoft.com/products/rentsense) - [RentSense Lite](https://www.mobysoft.com/products/rentsense-lite) - [RentSense Modules](https://www.mobysoft.com/products/rentsense-modules) - [Solutions](https://www.mobysoft.com/solutions) - [Helping to Manage Welfare Reform](https://www.mobysoft.com/solutions/helping-you-manage-welfare-reform) - [Increasing Collection Rates](https://www.mobysoft.com/solutions/helping-you-streamline-rent-collection) - [Making you more Efficient](https://www.mobysoft.com/solutions/making-you-more-efficient) - [Protecting Revenue and Cash Flow](https://www.mobysoft.com/solutions/protecting-revenue-and-cash-flow) - [Reducing Rent Arrears](https://www.mobysoft.com/solutions/helping-you-bring-down-rent-arrears) - [Supporting Your Switch to Universal Credit](https://www.mobysoft.com/solutions/supporting-your-switch-to-universal-credit) - [How We Work](https://www.mobysoft.com/how-we-work) - [Deployment Process](https://www.mobysoft.com/how-we-work/deployment-process) - [Integration with Housing Management Systems](https://www.mobysoft.com/how-we-work/integration-with-housing-management-systems) - [Client Services](https://www.mobysoft.com/how-we-work/client-services) - [Consultancy](https://www.mobysoft.com/how-we-work/consultancy) - [Support](https://www.mobysoft.com/support) - [About Us](https://www.mobysoft.com/about-us) - [Management Team](https://www.mobysoft.com/about-us/management-team) - [Careers](https://www.mobysoft.com/about-us/careers) - [News](https://www.mobysoft.com/news) - [Events](https://www.mobysoft.com/news/events) - [Blog](https://blog.mobysoft.com/blog) - [Contact Us](https://www.mobysoft.com/contact-us) - [Resources](https://www.mobysoft.com/resources) - [Case Studies](https://www.mobysoft.com/resources/case-studies) - [Guides](https://www.mobysoft.com/resources/guides) - [Brochures](https://www.mobysoft.com/resources/brochures) - [Videos](https://www.mobysoft.com/resources/videos) [![Digital & Business Transformation - a never ending tale?](https://blog.mobysoft.com/hubfs/Blog%20digit%20trans%20image%20v3.jpg)](https://blog.mobysoft.com/blog/digital-business-transformation-a-never-ending-tale) ## [Digital & Business Transformation - a never ending tale?](https://blog.mobysoft.com/blog/digital-business-transformation-a-never-ending-tale) by [Derek Steele](https://blog.mobysoft.com/blog/author/derek-steele) | Jun 18, 2018 | [social landlords](https://blog.mobysoft.com/blog/topic/social-landlords), [social housing](https://blog.mobysoft.com/blog/topic/social-housing), [digital inclusion](https://blog.mobysoft.com/blog/topic/digital-inclusion), [Business Transformation](https://blog.mobysoft.com/blog/topic/business-transformation), [Digital Transformation](https://blog.mobysoft.com/blog/topic/digital-transformation) | Social landlords face a challenging future through a changing environment. Government policy is impacting rent rolls along with reducing subsidies from... [![The Challenges for Scottish RSLs with Universal Credit](https://blog.mobysoft.com/hubfs/Blog%20the%20challenges%20for%20Scottish%20rsls%20with%20UC.jpg)](https://blog.mobysoft.com/blog/challenges-for-scottish-rsls-with-universal-credit) ## [The Challenges for Scottish RSLs with Universal Credit](https://blog.mobysoft.com/blog/challenges-for-scottish-rsls-with-universal-credit) by [Derek Steele](https://blog.mobysoft.com/blog/author/derek-steele) | Mar 02, 2018 | [Universal Credit](https://blog.mobysoft.com/blog/topic/universal-credit), [Scottish RSLs](https://blog.mobysoft.com/blog/topic/scottish-rsls), [Scottish Local Authorities](https://blog.mobysoft.com/blog/topic/scottish-local-authorities) | The impact of Universal Credit has been felt by Scottish RSLs (Registered Social Landlords) and other institutions who have had first-hand experience of... [![Universal Credit: A crisis landlords can avert!](https://blog.mobysoft.com/hubfs/universal%20credit%20crisis%20blog.jpg)](https://blog.mobysoft.com/blog/universal-credit-crisis-landlords-can-avert) ## [Universal Credit: A crisis landlords can avert!](https://blog.mobysoft.com/blog/universal-credit-crisis-landlords-can-avert) by [Derek Steele](https://blog.mobysoft.com/blog/author/derek-steele) | May 27, 2016 | [social landlords](https://blog.mobysoft.com/blog/topic/social-landlords), [Universal Credit](https://blog.mobysoft.com/blog/topic/universal-credit) | Universal Credit is looming and there is one thing that social landlords cannot do and that is ‘do nothing’. Data and comment, included in this blog,... [![Navigating the Maze – Collecting the Rent](https://blog.mobysoft.com/hubfs/collecting%20the%20rent%20blog.jpg)](https://blog.mobysoft.com/blog/collecting-the-rent) ## [Navigating the Maze – Collecting the Rent](https://blog.mobysoft.com/blog/collecting-the-rent) by [Derek Steele](https://blog.mobysoft.com/blog/author/derek-steele) | Apr 12, 2016 | [Universal Credit](https://blog.mobysoft.com/blog/topic/universal-credit), [rent collection](https://blog.mobysoft.com/blog/topic/rent-collection) | Most landlords are going to have around a 50% increase on rent they need to collect in the way of direct payments, and managing these cases will be cost... [![Are Social Landlords doing enough to mitigate Universal Credit?](https://blog.mobysoft.com/hubfs/social%20landlords%20mitigate%20universal%20credit.jpg)](https://blog.mobysoft.com/blog/social-landlords-mitigate-universal-credit) ## [Are Social Landlords doing enough to mitigate Universal Credit?](https://blog.mobysoft.com/blog/social-landlords-mitigate-universal-credit) by [Derek Steele](https://blog.mobysoft.com/blog/author/derek-steele) | Apr 05, 2016 | [social landlords](https://blog.mobysoft.com/blog/topic/social-landlords), [Universal Credit](https://blog.mobysoft.com/blog/topic/universal-credit) | Social landlords have never needed to create efficiencies and protect revenues as they do now. The 1% rent cut, ongoing welfare and tenancy reform has... [![Why DeepMind’s Victory is Good News for Housing](https://blog.mobysoft.com/hubfs/Adrian%20Mills%20PA-25830785%20230316.jpg)](https://blog.mobysoft.com/blog/deepmind-good-news-for-housing) ## [Why DeepMind’s Victory is Good News for Housing](https://blog.mobysoft.com/blog/deepmind-good-news-for-housing) by [Derek Steele](https://blog.mobysoft.com/blog/author/derek-steele) | Mar 23, 2016 | [predictive analytics](https://blog.mobysoft.com/blog/topic/predictive-analytics) | This month Google’s Deepmind Artificial Intelligence (AI) application has [beaten one of the world’s leading Go players](http://www.bbc.co.uk/news/technology-35810133), Lee Se-dol of South Korea, not... [![Technology is changing the world…and housing?](https://blog.mobysoft.com/hubfs/Technology%20changing%20the%20world.jpg)](https://blog.mobysoft.com/blog/technology-changing-the-world-housing) ## [Technology is changing the world…and housing?](https://blog.mobysoft.com/blog/technology-changing-the-world-housing) by [Derek Steele](https://blog.mobysoft.com/blog/author/derek-steele) | Feb 09, 2016 | [digital inclusion](https://blog.mobysoft.com/blog/topic/digital-inclusion) | Technology and the internet are changing how people all over the world live their lives and one device in particular, supported by the web, the mobile... [![2015: A year to forget for Social Housing?](https://blog.mobysoft.com/hubfs/2015%20year%20to%20forget.jpg)](https://blog.mobysoft.com/blog/2015-year-to-forget) ## [2015: A year to forget for Social Housing?](https://blog.mobysoft.com/blog/2015-year-to-forget) by [Derek Steele](https://blog.mobysoft.com/blog/author/derek-steele) | Dec 22, 2015 | [social housing](https://blog.mobysoft.com/blog/topic/social-housing), [rent cut](https://blog.mobysoft.com/blog/topic/rent-cut) | Social Landlords will no doubt remember 2015 as their own annus horribilis. Admittedly the first half of the year was quite uneventful for what was about... [![Buy vs Build Software?](https://blog.mobysoft.com/hubfs/Buy%20vs%20Build.jpg)](https://blog.mobysoft.com/blog/buy-vs-build-software) ## [Buy vs Build Software?](https://blog.mobysoft.com/blog/buy-vs-build-software) by [Derek Steele](https://blog.mobysoft.com/blog/author/derek-steele) | Dec 15, 2015 | [buy versus build software](https://blog.mobysoft.com/blog/topic/buy-versus-build-software) | Many organisations, not just housing associations, which look to invest in software often consider the [pros and cons of buy versus build](http://www.mobysoft.com/resources/buy-vs-build-whitepaper). Most size-able... [![Autumn Statement Review](https://blog.mobysoft.com/hubfs/Autumn%20statement%20blog.jpg)](https://blog.mobysoft.com/blog/autumn-statement-review) ## [Autumn Statement Review](https://blog.mobysoft.com/blog/autumn-statement-review) by [Derek Steele](https://blog.mobysoft.com/blog/author/derek-steele) | Dec 01, 2015 | [Autumn Statement](https://blog.mobysoft.com/blog/topic/autumn-statement) | The housing sector was waiting for the apocalypse when the Autumn Statement was announced in the House of Commons by George Osborne. The [FT](https://www.ft.com) had lead the... 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