Open Banking

Information friction in finance is threatening the spirit of entrepreneurialism

14 Nov 2017

Access to finance is consistently highlighted as a serious concern for small to medium businesses (SMEs), which is worrying considering they are the lifeblood of our economy. Their contribution to the British economy is set to exceed £241bn by 2025, up 19 per cent from last year’s figure of £202bn according to research from the Hampshire Trust Ban...

Economic policy must be driven by information on the present, not the past

08 Jun 2017

We live in an organic economy where businesses expand and contract at an ever-increasing rate. Companies like Deliveroo are growing rapidly in the matter two or three years, while other businesses like the 97-year-old BHS go into liquidation. The average lifespan of a company listed in the S&P 500 has decreased by more than 50 years in the last...

Fintech innovation and startups

Lenders need a new wisdom if they want to capitalise on growth

11 May 2017

The banking sector simply isn't lending. And when they are, lending to the wrong businesses. Access to finance continues to be a significant concern for small to medium sized enterprises (SMEs) compared with large enterprises. More SMEs experience issues with bank loan financing compared with corporates. This is worrying considering for two reason...

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