45 Articles
Consumer CIMS: Reshaping the future of credit reporting

The credit industry is undergoing its most significant transformation in decades due to the Financial Conduct Authority's (FCA) Credit I [...]

Consumer Understanding Financed Emissions: The 95% Carbon Footprint

Did you know that a staggering 95%¹ or more of a bank's carbon footprint comes from its financed emissions? This means the vast majority [...]

Consumer Measuring the Invisible: How Banks Calculate Financed Emissions

It's a striking statistic: over 95% of a bank's climate impact often stems from the emissions of the companies they finance—their 'finance [...]

Consumer Navigating PS24/2: Best Practices for Lenders

PS24/2 has changed the game for borrower support. Understanding and implementing these new regulations is essential for protecting your [...]

Fraud Prevention Protecting Businesses and Banks from Authorised Push Payment (APP) Fraud

Authorised Push Payment (APP) fraud, exploiting real-time payment systems, has emerged as a major threat and the Payment Systems Regulat [...]

Open Banking Uncovering competitive insights: How Open Banking data could transform mark ...

In today’s data-driven world, understanding consumer behaviour goes beyond monitoring your brand’s performance; it involves analysing br [...]

Open Banking The Future of Lending: Why automating open banking data Is a game-changer f ...

For years, lenders have leaned on credit bureau data to automate decisions, ensuring speed and consistency with pre-set policies and ris [...]

Consumer Tackling financed emissions: Closing the environmental data gap

In today’s world, the role of financial institutions in combating climate change is gaining significant attention. Banks, as major finan [...]

Commercial Navigating the challenges of social tariffs in the utilities and telecoms s ...

With rising costs of living, increasing consumer debt, and increased regulatory focus, utility companies are exploring innovative ways to [...]

Consumer Making Ends Meet: Who is Paying the Price? A Summary of the 2024 Equifax Fi ...

In the dynamic world of finance, understanding the intricate patterns of consumer behavior and financial health is pivotal. Equifax, a g [...]

Collections and Recoveries Tackling late and missing payments: A critical issue for UK SMEs and the b ...

In the vibrant landscape of UK small and medium-sized enterprises (SMEs), one persistent challenge threatens to undermine growth and sta [...]

Affordability The increasing importance of accurate affordability checks

Whilst every lender checks whether a customer has a history of repayment as part of creditworthiness assessment, but whilst inflation mi [...]