[In response to another superb piece of thought leadership from Tom Noyes – thank you sir for sharing your well structured thoughts with the world – you are a gentleman and a scholar.] If you haven’t read Tom Noyes’ recent blog on CBDCs, please start there first (see link above)…

My perspectives on what it takes to build a successful club from a standing start, and some lessons learned to share with others embarking on their own Clubhouse journey In effect this is a quasi how-to guide for those who want to: Build a better club on Clubhouse Understand how…

I just read this article on p2pfinance news about the bad debt situation facing a number of retail investors on the Crowdstacker marketplace lending platform. Collectively the investors are facing substantial losses of up to £7.5m with the unfortunate demise of BurningNight, a bar and nightclub operator. I remember meeting…

If you live or work in one of the major cities of the world, you’ve probably found it difficult to avoid this slogan plastered to the side of a building that’s either being built or remodelled. This banner is inescapable because wework, a company that has taken a relatively simple…

It has now been 500 days since the consultation period closed on 18 March 2016 for FCA Discussion Paper DP15/7 “Our approach to SMEs as users of financial services.” At present, the provision of financial services to small businesses in the UK is largely unregulated. …

Business finance providers currently use different ways to represent price, such as X% (per month), or by only showing £ repayment amounts, making it hard to compare costs across different providers. This was an issue I felt strongly amount when I was CEO at Growth Street, the first revolving credit…

This post is first in a series navigating the FinTech landscape, with a focus on the UK. This month London played host to a number of large events focused on FinTech. The Innovate Finance Global Summit, “the world’s biggest celebration of achievement in FinTech”, kicked off a government-backed “FinTech Week”…

I’m no Nate Silver, nor do I aspire to be, an albeit fictional, Joey Lucas type. I don’t have access to banks of private polling data. I’m an intrigued amateur who predicted the 2015 result (a Conservative majority) with a 1% (3 seats) margin of error, while most of the…

Protect the 277: why haven’t TFL communicated or consulted with Hackney residents given the changes planned at Highbury Corner? I was alerted to this today by the following poster in my local bus stop. …