Independent review and analysis


We provide market updates on important issues to key figures in the industry on different topics, but all related to our activities throughout Europe. We cover hot news stories and give our honest opinion on developments, threats and opportunities.

Our articles can be in the form of e-shots, ‘white papers’ or social media commentary, but we will not comment on trivial matters – you will not see us commenting on what type of coffee we are drinking whilst waiting for a train! You can catch up on our previous commentaries by looking at the archive below.

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  • Lending growth in an uncertain economic environment

    December 11, 2018

    The mortgage market never seems to stand still! On the funding side in the last few weeks we have seen further applications for banking licences, increases in funding lines and significant securitisation issuance. On the credit side, we are seeing aggressive product pricing, credit risk expansion and the return of the off-site underwriter. These are […]

  • Peer-to-peer lending processes – calls for change!

    November 20, 2018

    It is often the case in emerging markets where new products are being developed, that regulation follows behind market innovations. For example, driverless cars exist and work, but no one has yet articulated the ‘rules of the road’ that will apply when such vehicles compete for space on our crowded transport system. Another extreme example […]

  • Time to end “tick box” complaint handling processes

    September 18, 2018

    The FCA has recently published the findings of its review of complaint handling by non-deposit taking mortgage lenders and mortgage third party administrators. The results are far reaching and significantly relate to all regulated firms not just to the sectors initially investigated. Overall, the results were positive, but there are areas where firms need to […]

  • Artificial intelligence [AI] in financial services

    July 17, 2018

    The FCA has announced details of its successful and catchily named ‘fourth cohort candidates’ in its sandbox. This allows firms to test innovative products in a live environment, while ensuring appropriate protections are in place. The 29 successful firms include businesses ‘testing’ automated solutions across a range of product areas including automated advice and decisioning. […]

  • Mortgage Arrears – time to focus on policies?

    June 28, 2018

    The recent UK Finance arrears and possessions conference highlighted several action points for lenders and servicers. The underlying message, which mirrors current regulator themes is clear; organisations should use the current benign arrears environment to “weatherproof” policies and procedures. We were not surprised to hear the renewed focus. Although current arrears numbers are low and […]

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