In the early days, the Blueriq platform was used exclusively for an "application street. Erik explains: "It acted as a gatekeeper. When a mortgage application was approved, it was routed to Stater (which supports over 40 percent of all mortgages in the Netherlands, also with Blueriq). Nothing more happened.' Meanwhile, customers' (need for) self-reliance was growing. They wanted to be more in control and Florius responded with a my-environment: My Florius. An online environment where customers could view and arrange their own mortgage matters. Justus: 'Banks already had online banking, but in the mortgage domain we were the first with a my-environment. Erik adds: 'It became - and is becoming - more and more a platform on which a continuous dialogue takes place between the triangle of customer, intermediary and Florius. An area of tension, where the question each time is: how do you make sure that what Florius digitizes is interesting, both for the customer, the intermediary and ourselves.'

The mine environment was built in collaboration with Blueriq, with the Blueriq platform as the intelligent basis. Justus: 'What Blueriq brought in was IT knowledge and expertise combined with a thorough knowledge of mortgages. Not only did they provide the underlying framework with which to structure and reuse data, but also knowledge of the market. This allows us to move quickly and makes it possible to translate business wishes directly into technology. We still see this in the cooperation.' Florius also appreciates Blueriq for thinking along about possibilities to offer customers even more convenience. It is not about the technology, but about supporting customers, intermediaries and Florius itself as well and quickly as possible. This is still the starting point of the cooperation between Florius and Blueriq.

Florius is a frontrunner in mortgage land, because customers and intermediaries are central to everything that is developed. A good example of this is offering the possibility to make additional mortgage repayments, via a simple iDEAL payment. Meanwhile, this is standard at many mortgage lenders, but Florius was the first mortgage lender in the Netherlands to offer customers convenience and a time saver in this way.