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The way credit scores are calculated could be set to change as new and novel ways of assessing ability to repay come to the fore. An evolution in this area is perhaps due. Credit and loan applications...
Who can issue ISINs? You might think that any stock or derivatives or commodities exchange can issue ISINs for the instruments traded on their platforms - but they can't. ISO has nominated one Regis...
Today marks a significant date for interchange rates across the Europe as all EU countries align their domestic credit (0.3%) and debit card (no more than 0.2%) rates. Whilst several countries includi...
Introduction With Crowdfunding (both debt and equity) accounting for approximately $16bn globally in 2015 (Crowdsourcing, 2015) and FinTech being strongly populated with start-ups operating in the Len...
The cost of compliance continues to be one of the hot issues in financial services. Year on year spend seems to increase but the question still remains – are the investments delivering a return and i...
I think so, at least following facts suggest so 980Mn+ mobile users and growing 270mn+ internet connections (projected in 2015) 350mn+ internet users (projected in 2015) 3rd largest In...
Recent figures from the Bank of England seem to indicate that we are heading for a fresh household debt crisis in the UK. People are borrowing at the fastest rate in almost a decade as confidence in t...
Interesting piece in the Financial Times recently on the issue of alternative groups like P2P lenders, insurers and asset groups seizing business from lenders by offering cheap and convenient finance....
I am currently re-reading Malcolm Gladwell's book The Tipping Point. The crux of the book is around what the author highlights as "The tipping point is that magic moment when an idea, trend, or ...
Clearly, the payment services industry has got to the point where an important change is expected to take place. There are quite a few indications to suggest this. The EU has enacted and put into effe...
Another day, another robo-advice headline. It’s a human truth: we love to dissect a new trend and debate its merits. Internet communication amplifies this and we risk developing a distorted view of pr...
With technology, regulation and compliance advancing at such a rapid pace, it's important that companies keep abreast of any change that is likely impact their business and, notably, their ability to ...