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…

A wiser man than me once said that anyone attempting to make predictions will end up either wrong or lucky. In 2019, against a backdrop of uncertainty about the UK’s future relationship with its biggest trading partner that proverb holds true now, more than ever. This political uncertainty has led to reports of ebbing business…

The advent of open banking and the continuing emergence of new challenger and mobile banks is not limited to traditional banking. Asset finance is ripe for market disruption as specialist lenders move to target discreet market segments. The key to this changing landscape is the flexibility and availability of operating software. At the heart of…

Corporate structures have changed dramatically over the last 150 years – and so too have executive roles. Over the last few decades, we’ve seen various new roles and titles such as Chief Information Officer, Chief Content Officer and Chief Analytics Officer have more presence in the board room. Many of these new roles, and others…

In the past two decades, the lending landscape has changed beyond recognition. With technological advancements influencing the way businesses operate and consumer expectations, the lending industry needs to increasingly adapt to changing demands. As we enter 2019, it is clear that political and economic uncertainty will continue to have an impact on consumer decisions. The…

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