Contents3. Executive summary4. Housemark AI maturity framework5. Beyond the hype6. The AI technology landscape in social housing7. Access does not equal adoption8. What housing providers are actually using AI for9. The rise of AI agents10. Productivity without proof 11. Why organisations are struggling to scale 12. Governance is advancing, but confidence remains fragile13. What could support more mature AI adoption?14. Recommendations and next steps15. How Housemark can support organisations