In the last 6 months, 62% of smartphone users have made a purchase using their mobile devices, making mobile transactions a key function for many businesses. While the number of mobile transactions is on the rise, the same cannot be said for effective mobile strategies which collect payments and debts. With an increasing emphasis on…

It’s hard not to have a degree of sympathy for the challenges facing the car industry at the moment. Sales down, confidence waning, diesel cars vilified and now, the latest blow in the form of Nissan’s decision to pull production of its X-Trail from Sunderland. Rather than this being the ultimate doomsday scenario for our…

Martin Lewis is campaigning for independent regulation of bailiffs and debt enforcement officers by the Ministry of Justice to protect those in distress from aggressive collections. Is he right to do so?  Martin Lewis’s campaign is well intended, but is it well-founded? And who will pay for the regulator? Citizens Advice figures claim that bailiffs…

There has been a lot of developments around training and apprenticeships in recent years and has left some employers unsure of what training they can access, the suspected complexes and what they are and can be used for. I hope in the following article to give the background, the context and explain what you can use…

The pressures of Brexit, economic uncertainty and declining consumer confidence pile up challenges for restaurant chains. After a turbulent year in the UK restaurant sector, 2019 seems unlikely to bring much hope for a turnaround in the industry’s fortunes, with multiple economic factors and an over-saturated market continuing to put pressure on revenues and consumer…

Businesses are inundated daily with new challenges and opportunities. From Brexit to economic fluctuations, new market players and changing technologies – it’s fair to say that businesses have several factors to consider in their daily operations and strategies when looking to grow. An area that businesses may underestimate at times is the power of using…

As our industries and governing bodies continue to work towards a more financially capable nation her is an overview of the top six topics to watch in 2019. 1. New year, new government body The Single Financial Guidance Body (SFGB) officially began operating in January and replaces the Money Advice Service (MAS), the Pensions Advisory…

For any FCA regulated firm, the risk and compliance function is an essential and integral part of the business – but it wasn’t always that way. Risk and compliance departments, once held in low esteem by other business units, have evolved into a crucial function for protecting profitability. This is still a controversial statement in…

This time of year can be bleak. With turkey and twinkling lights a distant memory, it’s back to reality. Many people will also be facing debt, exacerbated by the cost of Christmas, higher heating bills, and other expenses that peak in winter. In 2018, Citizens Advice said people are struggling more with bills such as…

Innovation is definitely a buzzword these days. Everyone seeks it, but what is it? Well, for one thing, it’s not a new concept. The endless stream of inventions over the centuries is what makes today’s innovations possible. Innovation is about improving things in ways that enable growth and create added value for customers, employees and…

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