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“Never take your eyes off the cash flow because it is the life blood of business” Richard Branson. I had, in my earlier blogs spoken of Margin compression- the P&L Story and Capital compression- ...
As businesses recover from COVID-19 they find themselves balancing new demands from regulators with rapidly changing business models. As businesses are recovering from COVID-19 they face a much-c
In the midst of the tide of consumers migrating to online channels of commerce, there has been a strong need to focus on reinventing the proximity payment options to meet consumers’ expectations for s...
Credit risk is the possibility of a loss resulting from a borrower's failure to repay a loan or meet contractual obligations. Credit risk is most simply defined as the potential that a bank borrower o...
On May 4, the UK government launched a new “Breathing Space” scheme in England and Wales. This debt respite scheme gives people struggling with debt problems a 60-day period of legal protection durin...
The contactless card payment limit will rise from £45 to £100 later this year as people are favouring contactless transactions to help curb the spread of the virus, as well as the convenience and spee...
Financial services continues its digitally-led evolution, with an emphasis now on data scientists, business analysts and “digital storytellers' - individuals and teams that can use the increasing numb...
The biggest challenge the world faces today is absolute economic decimation for a large number of its population as we attempt to grapple with the COVID-19 pandemic and the havoc it has wrought on eco...
The past 12 months have been a period of intense learning for banks, providing them with unique insights into the customer experience and what services will be at the core of their offering for the y...
This week, the results of a Freedom Information Request to the Information Commissioner’s Office revealed that complaints about banking nuisance calls and texts rose by 35% in 2020. This is particular...
The world has been slowly shifting towards a cashless society. In fact, with retailers rapidly investing in digital payment methods for time-poor shoppers, who demand speed and efficiency at the check...
In a year of immense upheaval for society, the banking industry has not escaped the far reaching impacts of the pandemic and shutdown of high streets across the UK. Customers have swiftly had to chang...