200 articles

    Industry Focus

    Browse all articles across people aspects of regulation and people development within UK financial services

    Cryptocurrency and Blockchain
    Industry Focus

    Cryptocurrency and Blockchain

    Cryptocurrencies, e.g. Bitcoin, have been in the news a lot, but what are they, what is the technology that drives them and what is the future for this relatively new form of exchange? This article briefly describes Cryptocurrency and the software behind it, Blockchain. What is Cryptocurrency Cryptocurrencies are digital means of exchange.

    Ian Ashleigh · 9 Apr 20199 min read
    Maximising the Apprenticeship Levy
    Industry Focus

    Maximising the Apprenticeship Levy

    It is now almost two years on from the introduction of the Apprenticeship Levy, and a year since the CSA was approved on the Register of Apprenticeship Training Providers (RoATP).

    Fiona Macaskill · 9 Apr 20193 min read
    Mortgaging our pensions to pay our contributions
    Industry Focus

    Mortgaging our pensions to pay our contributions

    The NHS “scheme pays” facility allows members, faced with a tax liability arising from breaching the annual allowance, to meet the payment from future pension benefits. This amounts to taking our a mortgage on the pension.

    Henry Tapper · 9 Apr 20194 min read
    Types of culture in firms within financial services
    Industry Focus

    Types of culture in firms within financial services

    Having worked with many different organisations, I have some experience about the different types of culture that are operative in IFA firms and networks and larger institutions. The differences can be quite illuminating.

    Tony.Catt · 9 Apr 20196 min read
    Is my FD lying? The role of financial oversight in financial services.
    Industry Focus

    Is my FD lying? The role of financial oversight in financial services.

    BHS, Carillion, Tesco, and Patisserie Valerie. Which to be clear, are all organisations where the finance director has not been found to be lying. However, they are all examples of actual or alleged financial oversight shortcomings. What do financial services firms have in common with these organisations?

    Phil Ingle · 10 Jan 20196 min read
    How your business can limit the potential disruption of Basel IV
    Industry Focus

    How your business can limit the potential disruption of Basel IV

    Referred to as the most comprehensive reform package in the history of Basel regulation, your company will undoubtedly want to limit the disruption of Basel IV. With key changes already afoot, there are certainly opportunities to get ahead of the game.

    Fitch Learning · 10 Jan 20194 min read
    Vulnerable Customers
    Industry Focus

    Vulnerable Customers

    With the FCA set to announce new guidance on identifying and supporting vulnerable customers, and uncertainty around Brexit having a yet unknown impact on the nation’s finances, 2019 is set to be a big year for vulnerability.

    Unicorn Training · 10 Jan 20194 min read
    Filling the compliance gap
    Industry Focus

    Filling the compliance gap

    Well-designed and properly-enforced regulation plays a vital role in improving the way markets work for the benefit of business, employees and citizens. It helps to support sustainable growth, enhanced trade and increased investment, as well as improving social and environmental outcomes.

    Fiona Macaskill · 10 Jan 20193 min read
    What is the “net-pay anomaly” and does it matter to UK pensions?
    Industry Focus

    What is the “net-pay anomaly” and does it matter to UK pensions?

    UK government spending on pensions and top-up benefits for pensioners amounts to 5.9 per cent of GDP – and this figure is projected to increase to 6.3 per cent over the next half century. In addition, the Government also spends another 1.

    Henry Tapper · 10 Jan 20196 min read
    Meeting the needs of the ‘Accidental Manager’
    Industry Focus

    Meeting the needs of the ‘Accidental Manager’

    There have been two very interesting articles recently, one in the Harvard Business Review (HBR) and another in the Financial Times, about the quality of ‘management’, and how under-trained and under-valued managers are invariably behind poorly performing businesses.

    Fiona Macaskill · 16 Oct 20184 min read
    Auto-enrolment compliance; can we trust ourselves to be good?
    Industry Focus

    Auto-enrolment compliance; can we trust ourselves to be good?

    I like to tease the Financial Times journalist Jo Cumbo that she can trust no-one because of her heritage! Jo is Australian and this blatantly xenophobic comment is based on a British prejudice that Australians find compulsion acceptable as compliance is in the blood.

    Henry Tapper · 15 Oct 20187 min read
    Unravelling the complexities of IFRS9
    Industry Focus

    Unravelling the complexities of IFRS9

    Fitch Learning takes a closer look at International Financial Reporting Standard 9 (IFRS() and how it is reflected in the reports and accounts of banks and corporates – making suggestions about how advisers and analysts can unravel some of its complexities. What is IFRS9?

    Fitch Learning · 15 Oct 20184 min read