An Adelaide fix-it crew with the name of Joust have a vision for closing information asymmetries in home lending and making some money on the way through.Joust "will provide a real time, dynamic marketplace in which banks and credit unions will compete for consumer loans," the company informed the market with its debut PR yesterday.Two local mates, Mark Bevan and Richard Hockney, say they have more than 60 years combined banking experience with major banks Commonwealth Bank, National Australia Bank and Westpac.Adelaide based digital outfit Fusion, part owned by the listed STW group, has a hand in production.Bevan advised Banking Day the firm was "progressed with negotiating MOU's and/or formal agreements with all of the six challenger brands based in SA.  "Our plan is to expand into Victoria in August 2016 and we are at various stages with challenger brands in Victoria -  including Bank of Melbourne, ME Bank, Vic Teachers, Big Sky Credit Union and Bank Australia," Bevan said.