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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 Information Market Study (CIMS), finalised in December 2023. This blog outlines [...]
March 23, 2025

Latest Blog Posts

Anti-Money Laundering Closing the Compliance Gap: Why static batch screening alone could be exposing regulated firms to hidden risk

In today’s volatile geopolitical climate, regulatory risk does not stand still. Bodies like the UK Office of Financial Sanctions Implementat [...]

October 08, 2026
Affordability The power of context: Why data without insight is only half the story

Every day, firms are bombarded with figures on credit card balances, loan originations, and retail spending. But data, no matter how com [...]

June 29, 2026
Credit Risk Why UK banks can't model their way out of a climate data problem and the solution is already available to them.

When the UK's biggest banks gathered recently to address inconsistencies in their climate risk disclosures, the urgency was understandab [...]

June 19, 2026
Affordability From Re-commerce to 35-Year Mortgages: 5 Trends Shaping the Future of Credit

The UK consumer mindset has undergone a permanent shift. Our latest Spending and Lending: Key Trends in UK Consumer Credit, revea [...]

March 13, 2026
Fraud Prevention Redress Readiness: Are motor finance lenders prepared for the challenges ahead?

The impending motor finance redress scheme is already being compared to the Payment Protection Insurance (PPI) situation, representing a [...]

December 04, 2025
Authentication and Verification Digital ID in the UK: Real-world implications in a commercial world

Last week's announcement of a UK government-backed digital identity system, with Prime Minister Keir Starmer suggesting mandatory us [...]

November 26, 2025