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Ben O'Brien

Managing Director

Jaywing

Member since

11 Nov 2015

Location

London

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Ben's opinions

Preparing for BNPL regulation: What firms need to do now

The arrival of formal regulation for Buy Now, Pay Later (BNPL) products is no longer a question of if, but when. With the Treasury’s May 2025 consultation response, the direction is this: by mid-2026, third-party BNPL lenders will fall within the scope of the Financial Conduct Authority (FCA). This change brings with it a full set of regulatory re...

05 June 2025 /regulation

CP10/25: 9 areas firms must address to meet the PRA’s climate expectations

In our previous post on CP10/25, we examined how expectations around climate risk are becoming more specific and embedded. This follow-up focuses on the details, breaking down the proposals in the draft Supervisory Statement and what they mean for firms assessing their current position. Each area highlighted below reflects the level of depth and i...

22 May 2025 /regulation

CP10/25: How expectations on climate risk are developing

CP10/25 doesn’t introduce new climate risk rules — but it does raise the bar. The paper builds on existing guidance and reflects a clear push for firms to go beyond policy statements and start demonstrating how climate risk is integrated into real-world decision-making. The emphasis now is on depth. Firms are expected to show how climate factors a...

20 May 2025 /regulation

Rethinking ROI: Evaluating the value of AI in risk modelling

As more organisations start to consider AI-driven risk modelling, one of the biggest hurdles is quantifying the return on investment. Traditional ROI frameworks often fall short when it comes to capturing the wide-ranging value these solutions bring. This can leave stakeholders stuck between understanding AI’s strategic importance and needing to j...

21 March 2025 /ai

Risk priorities for 2025: What firms are focusing on

As we step into 2025, organisations are refining their risk strategies in response to evolving economic pressures, regulatory expectations, and technological advancements. To understand where companies are focusing their efforts, we spoke to our Risk consultants about the key trends shaping the year ahead. Here's what we found: #1. AI adoption: Mo...

06 March 2025 /ai /regulation

Reflections on risk: What 2024 taught us

As we reflect on the past year, it’s evident that 2024 presented both challenges and opportunities in risk management. In this post, we share key takeaways from the last year, offering insights that can help shape risk strategies for 2025. #1. Predictive modelling: Smarter decisions for safer lending Predictive modelling continues to advance as bus...

20 February 2025 /predictions

The changing face of AML: How PSPs can stay ahead of financial crime

Payment Service Providers (PSPs) are facing an uphill battle against financial crime. As transaction speeds increase and new payment methods emerge, criminals are exploiting weak spots in AML controls—often faster than traditional defences can respond. In 2023 alone, UK customers lost nearly £1.2 billion to financial crime, with £580 million lost t...

07 February 2025 /crime

AI research report: How are financial institutions leveraging AI in risk?

AI adoption in risk has reached a pivotal stage. According to our new Jaywing research, 65% of UK financial institutions have moved beyond exploration to active AI implementation. However, 36% still have no AI models in risk, leaving them increasingly vulnerable as the competitive gap widens. Early adopters are already reaping the rewards, reporti...

07 February 2025 /ai

Why AI-driven fraud detection is crucial for Payment Service Provider growth

Payment Service Providers (PSPs) need fraud detection systems that can anticipate and adapt to emerging types of fraud whilst maintaining the delicate balance between security and customer experience. We've witnessed this first-hand with our clients, where our AI-driven approach strengthens fraud detection capabilities across multiple jurisdictions...

19 December 2024 /ai /crime

Financial fraud today: Educating consumers as a line of defence

Fraud impacts every sector of society – from major corporations to everyday consumers. Recent trends reveal marked shifts in fraudster behaviour, highlighted by a 31% increase in romance scam payments over the past year and new patterns in investment fraud. These scams continue to grow in sophistication, combining advanced technology with social e...

05 December 2024 /crime