Turning data inside out

Turning data inside out

Data-mining, satellite imagery, and a raft of other new information techniques have created a whole new resource for financial markets. But such advances have also created new conundrums for regulators. When does access to...

Journey into distress part 2 – the profile of debtors in dif...

A close analysis of the UK’s troubled borrowers confirms many intuitive assumptions about distress, but it also throws up some unexpected findings. Different borrowers experience distress in...

Journey into distress part 1 – a study of the UK’s troubled...

A study of the credit files of hundreds of thousands of people reveals the typical financial lives of those who fall into money problems. The findings confirm, but also confound many assumptions...

Paying attention or paying charges? It’s all in the timing

Rules requiring banks to automatically provide customers with text alerts if they enter an unauthorised overdraft come into effect this month. The rules, aimed at helping consumers avoid...

Robo Advice – will consumers get with the programme?

Robo advice has been hailed as a solution for widespread and affordable financial guidance. But research into consumer attitudes suggests those who might benefit most from robo advice may be least...

Investing, insurance or gambling?

The distinction between investment, insurance and gambling is an essential one for policymakers and regulators. At the most basic level it is easy to see the differences between these products....

Anticipation and reaction: rule-making in dynamic markets

An FCA intervention to improve the insurance market has saved consumers millions of pounds. Behind the headline lies a complex interaction between regulations, insurance firms and consumers.