1. CHALLENGES: Fragmented lender integrations, slow adaptation to business changes, high manual process costs, and inability to meet modern consumer demands for speed/transparency.

2. SOLUTION: Implementation of a centralized, two-layer API facade on Azure (using Service Bus, API Management, Logic Apps, Cosmos DB) to standardize integrations, decouple systems, and enable modular, resilient scaling. 

3. QUANTIFIABLE RESULTS: Faster lender onboarding (4-6 weeks), ability to make hundreds of deals daily (£800k revenue/day/lender potential), real personalized quotes for 120k+ vehicles, improved customer/dealer experience, and 40% volume from first 3 live lenders.