Entries by Phil Grady

CaaS Provides the Perfect Plimsoll Line

A few months ago Jonathan Davidson, executive director of supervision for retail and authorisations at the Financial Conduct Authority (FCA) said that a worrying number of householders may be “in too deep” with their borrowing. But how deep is too deep?

Encouraging response to the Big View pilot

“I’ve tried to get help but there’s a 10 week waiting list to see a Money Advisor.” “I am getting so many final warning letters that I’ve simply stopped opening them.” “Interest and charges are going up every day. I don’t even know how much I owe now.” “I’m very anxious and my health is […]

CaaS – Built for the Fourth Industrial Revolution

In his recent Mansion House speech “New Economy, New Finance, New Bank” Mark Carney referred to the brave new world we inhabit as the Fourth Industrial Revolution. We are living in an age characterised by a technological tsunami that is constantly changing and shaping the way we live, work and interact with each other.

Redemptive Technology

I wrote recently about the sea change in perspective in the lending landscape. The FCA is urging lenders to be more forward looking, to anticipate how borrowers will be able to repay their debt further down the line. Will they be able to weather a storm or will they go under?

Data Isn’t Abstract – Data Is People

In January this year the number of internet users around the world reached 4 billion. Well over half the world’s population is now online, with the latest data showing that nearly a quarter of a billion of new users came online for the first time in 2017.