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Jonathan Westley

Jonathan Westley Chief Data Officer, Experian UK & EMEA at Experian

How trended data can help lenders to make more informed decisions

It’s been an unusual summer. England’s footballers reached their first World Cup semi-final in 28 years, while the heatwave has caused meteorologists to make comparisons with weather 42 years ago. Now the Office for National Statistics has identified another rare event: UK households have become net borrowers for the first time in almost 30 years. ...

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Retired Member

Retired Member 

What are the Best Ways to Consolidate Debt?

Finding yourself in a lot of debt is never a fun ordeal, especially if you’ve let the problem go on for a while and don’t see a viable way out. The truth is, most of these situations can be addressed in one way or another, you just need to know what tools are available at your disposal and how to use them properly. Debt consolidation refers to th...

/inclusion Financial Inclusion

Balazs Fejes

Balazs Fejes President Europe and APAC at EPAM Systems

Is Cash Obsolete? Preparing for a Potentially Cashless Future

On our blog, we write about solving the complex challenges that digital businesses face, but what about the challenges that continue to emerge from the rapid digitization of our society? These sets of challenges are often interconnected in many ways, and payments is a great example of where business and societal challenges intersect. After all, ho...

/inclusion Futuristic Banking

Retired Member

Retired Member 

Different Categories Of Financial Ratios

Financial ratios help to provide an economic overview of a business. Financial ratios are parameters that owners of a company need to check along with current or potential investors who can understand the financial health of a company overall as well as conditions under different categories. It is also imperative to track financial ratios periodic...

/inclusion Personal Finance

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Retired Member 

Budget Apps And Personal Finance Tools

Everyone wishes to make budgets and save better and the tech world provides a stream of apps as well as tools which can lend a hand. Here are certain tools and apps that fall in this category. These can help you organize your different bill payments or simply allow you to control your flow of funds from bank accounts. The bonus aspect is that these...

/inclusion Finance 2.0

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Retired Member 

Choosing Software That Will Help Organize Personal Finance Matters

You might be new to using personal finance software and wish sees the benefits that such software management can provide to help you organize your money and loan consolidation. You might also want to explore other software of similar type that offers benefits and features that will suit you better. Here are some standard features to look out for pe...

/inclusion Personal Finance

Retired Member

Retired Member 

Trends In Making Payments in 2018

The New Year already started and we have entered into the second half of the year, there is some crucial technology development which is going to waver the payments in the markets in the year 2018. B2B payment will turn digital The first will be B2B i.e. Business to Business payment. This is mainly accredited to the complicated nature of the paymen...

/inclusion Payments strategies 2015-2020-2030

Steve Cook

Steve Cook Digital Identity & Biometrics Consultant

Biometrics: Are they becoming the nirvana of personal security?

By 2020, nearly all smart devices including mobile phones, tablets and wearables will have some form of biometric security enablement. By the same time, personal banking through mobile apps will also overtake online banking in the UK. According to a recent report from Good Intelligence, by 2020 1.9 billion bank customers will adopt biometrics for a...

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Retired Member

Retired Member 

How The Banking Would Be In The Future?

There are a lot of things happening in the banking sector and it is hard to predict what the future of banking would be. There's no one who can predict what the future of online banking, lending, fees and charges, and the robo-advising could be. There is a feeling that 99% of all the banks in the United States would be doing business online in the ...

/inclusion Banking Strategy, Digital and Transformation

Retired Member

Retired Member 

Private Sectors Might Be Asked To Comply With IR35 Rules

The government has taken steps to bring the private sector under the IR35 rules. The proposal is now in the consulting department and if it gets implemented, the businesses that are engaging the individuals to offer their services through, the company would be responsible in deciding on whether the IR35 rule applies or not. Right now, as per the c...

/inclusion Financial Services Regulation

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