A mortgage technology expert sees changes coming into the industry that will revolutionize the way the business is conducted. The expert says the "web services" development will dwarf the Internet’s impact on the industry. William Adamowski, chief executive officer of Des Moines, IA-based MortgageHub.com, says web services are products that integrate through a standard interface using a common platform. This would make all the products interchangeable because of its open architecture.