Australia’s Housing Shortage Is Not a Land Shortage

September 9, 2026

Australia’s Housing Shortage Is Not a Land Shortage

foresight strategist, housing affordability, HUMAND, mortgage brokers Australia, Immediate Futures, National Housing Accord, quarter acre block, ripple effects, housing supply, home ownership Australia, Morris Misel, AI in financial services, rental tenure, Keynote Speaker, RTHK Radio 3, retirement planning, CEO Insights, Morning Brew, board directors, management strategy, mortgage broking, strategic leadership, Australia housing shortage, build to rent, trunk infrastructure Finance, Housing & Construction, Radio Interview, Leadership

Australia is one of the emptiest developed countries on earth and we keep saying we’re running out of room. We’re not. We’re running out of trunk: the sewage, water, power and transport that turn a paddock into somewhere liveable. Eighty one per cent of home loans now go through a broker, 54 per cent of Australians aged 55 to 64 still carry a mortgage against 18 per cent in 1996, and the retirement system was built on the assumption that neither would ever be true.

September 7, 2026

The Room Already Knew

Immediate Futures, AI task audit, ripple effects, task level AI decisions, Choose Forward, AI at work Australia, keynote speaker Australia, AI adoption leadership, business futurist, Finance Futurists, Morris Misel, decision authority, mortgage broking future, preparation not prediction, civil construction future, Future of Work Australia, organisational capability, vocational education future, HUMAND framework, how to decide which tasks AI should do, judgment under pressure, foresight strategist, humand.life, workforce AI Australia, HUMAND, human machine AI combination, APRA AI 2026 Work, human resources, Leadership, AI

Three tasks, four options, four minutes. A room of mortgage brokers sorted their own work into human, machine, AI and combination and got all three right. The question almost nobody is asking, and the free tool that answers it.

On 10 December, You Have to Say It Out Loud

August 31, 2026

On 10 December, You Have to Say It Out Loud

leadership, automated decision-making, allocation drift, organisational strategy, APP 1.7, AI governance, Privacy and Other Legislation Amendment Act 2024, HUMAND, 10 December 2026, Immediate Futures, automated decision disclosure, ripple effects, Australian Privacy Act, Choose Forward, OAIC, future of work, decision trust zones, privacy policy, artificial intelligence, keynote speaker Australia, algorithmic accountability, foresight, shadow AI, Trust Cliffs, AI policy Business, Leadership, AI

From 10 December 2026, Australian organisations must publish in their privacy policy what their automated systems decide about people. Most can’t produce that list, and the obligation isn’t about AI.

Security by Antiquity: Why the Oldest Thing in Your Building Might Be the Safest

August 26, 2026

Security by Antiquity: Why the Oldest Thing in Your Building Might Be the Safest

Keynote Speaker, RTHK Radio 3, digital risk, CEO Insights, Morning Brew, Airservices Australia, ransomware, organisational trust, myki, management strategy, leadership decisions, board governance, strategic leadership, security by antiquity, disaster recovery, nostalgia economy, legacy technology, foresight strategist, business continuity, HR strategy, cyber resilience, workforce strategy, GPS jamming, technology strategy, operational resilience, Morris Misel, risk management Business, Technology, Radio Interview, Leadership

Older technology is sometimes safer from attack, not because it is stronger but because nobody is looking at it. Ireland is keeping its radio beacons alive, Australia quietly kept 200 navaids at 124 airports, and San Francisco is paying 212 million dollars to leave floppy disks behind. Underneath the jokes sits a question most boards have never been asked: you bought capability, but did you ever buy resilience?

When Trust Breaks Down in Organisations, It’s Never the Trust That Broke

August 24, 2026

When Trust Breaks Down in Organisations, It’s Never the Trust That Broke

Morris Misel, agentic AI, identity fraud, leadership, organisational trust, AI fraud, Keynote Speaker, Trust Cliffs, underwriting, Decision Making, ChooseForward, risk, foresight strategist, australian business, intermediaries, HUMAND, AUSTRAC, professional standards, Immediate Futures, Operation Claw, ripple effects, mortgage broking, decision trust zones, mortgage fraud, trust, financial services, foresight, Governance, verification Business, Finance, Horizon Trends, Technology, Leadership

AUSTRAC found the same names across unrelated loan files. When trust breaks down in organisations it’s never the trust that broke. It’s the layer nobody checks.

August 19, 2026

Nobody Argued About the Shark Drones

Morris Misel, RTHK Radio 3, SkyKelpie, Keynote Speaker, Morning Brew, Little Ripper, CEO Insights, organisational trust, drone regulation, management strategy, leadership decisions, CASA drones, strategic leadership, shark drones, foresight strategist, drone delivery, Immediate Futures, drone surveillance, ripple effects, cyborg cockroaches, HR strategy, medical drones, workforce strategy, AED drone, Zipline Rwanda Social, Technology, Radio Interview, Leadership

New South Wales now flies shark drones over around seventy beaches, every day of the year. The money arrived within days of swimmers being killed, and nobody argued, because the reason was too good to argue with. That’s how permanent observation actually shows up. The hard part of drones was never the flying, and the ripple effects land somewhere most leaders aren’t looking.

Morris' Blog