25 April 2014

Retail Finance

Henry WoodcockIRESS - Cirencester

Is wearable technology the new digital wallet?

24 March 2014  |  2324 views  |  1  |  Recommends 0

Is wearable technology the new digital wallet? A few months ago I joined the wearable technology community by purchasing the Pebble smartwatch, a darling of Kickstarter crowd funding, the Pebble raised $80 million, the most successful Kickstarter project to date. At first I felt a little geekish wearing the shiny black device, but as I started t...

TagsMobile & onlinePaymentsGroupInnovation in Financial Services
Henry WoodcockIRESS - Cirencester

The 2013 Mortgage Market in 140 Characters or Less

20 December 2013  |  2341 views  |  0  |  Recommends 0

2013 has been a pivotal year in the mortgage market – final rules for MMR, new regulatory bodies with the PRA and FCA, house sales and mortgage sales starting to rise, a new Governor of the Bank of England, controversial government initiatives and as the year ends, the EU Directive vote is passed and brings more work for lenders and regulators in...

TagsRisk & regulationGroupFinancial Services Regulation
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Henry WoodcockIRESS - Cirencester

Where next the UK Mortgage Market?

27 September 2013  |  2376 views  |  0  |  Recommends 0

My recent study into the UK mortgage market has once again provided real insight into the sales and originations process and best practice. It also unearth lender sentiment as the market moves towards...

GroupInnovation in Financial Services
Henry WoodcockIRESS - Cirencester

Consumer Driven Innovation

20 June 2013  |  2801 views  |  0  |  Recommends 0

There’s a very public evolution in the mortgage market as it adapts to new regulatory requirements. At the same time, there is a very quiet revolution in business and consumer technology. Consumers ar...

TagsInnovationGroupInnovation in Financial Services
Henry WoodcockIRESS - Cirencester

Ten Months of the Mortgage Market in 140 characters or less

21 December 2012  |  4889 views  |  0  |  Recommends 0

Ten Months of the Mortgage Market Social Media in 140 characters or less A selection of my tweets on the mortgage market over the last ten months - at last the market is recovering albeit slowly. Ma...

TagsRetail bankingGroupInnovation in Financial Services
Henry WoodcockIRESS - Cirencester

Increasing Efficiency in Mortgage Sales

07 December 2012  |  2304 views  |  0  |  Recommends 0

Twenty odd years ago when I started working in the mortgage industry, space for paper files was nearly as important as disk space to store mortgage applications. The industry has of course moved on si...

TagsRetail bankingGroupInnovation in Financial Services
Henry WoodcockIRESS - Cirencester

The Banking Olympics : the winners are?

03 August 2012  |  4376 views  |  1  |  Recommends 0

In the Olympics, after years of training and dedication it seems that in the eyes of the media and the public, it all comes down to winning or losing. An individual may have achieved an outstanding p...

GroupInnovation in Financial Services
Henry WoodcockIRESS - Cirencester

MMR : Interest Only : throwing out the baby with the . . .

27 June 2012  |  2744 views  |  0  |  Recommends 0

Interest only mortgages – the root of mortgage evil or a valid option for homebuyers? In recent months lenders have reacted pre-emptively to the proposed MMR interest only rules and restrictions by ei...

GroupFinancial Services Regulation
Henry WoodcockIRESS - Cirencester

Facebook and finance ... the next App revolution ?

06 June 2012  |  3176 views  |  2  |  Recommends 0

Whether you are an advocate or not, it’s increasingly hard to ignore the Internet phenomenon that is Facebook; spending $1 billion to buy a company with only 13 employees that makes virtually no mon...

TagsOnline bankingGroupInnovation in Financial Services
Henry WoodcockIRESS - Cirencester

MMR: Affordability : what are the hotspots?

22 May 2012  |  2063 views  |  0  |  Recommends 0

In my MMR article in the March edition of Mortgage Finance Gazette, I mentioned how, as lenders continued to digest the 700 odd pages of the CP11/31, three key topics appeared to be the hotspots:- ...

GroupFinancial Services Regulation
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