News and Insights

The future of digital banking isn’t a more elaborate map. It’s removing the need to navigate at all.  Digital banking has changed enormously in twenty-five years. It left the desktop, moved into our pockets, and became something we reach for several times a day. But underneath that shift there is one thing that has stayed

UK Savings Week ran from 21 to 27 September and deserved every bit of attention it got. But research by a challenger bank found £126 billion of small business, start-up, club and charity cash sitting in accounts paying no interest at all. A founder who closed a seed round in March is sitting on eighteen

How mutuals stay themselves as the savings market automates   Building societies have spent a century and a half earning savers’ trust face to face. A growing share of savings decisions now runs through comparison engines and deposit platforms that cannot see any of it. What comes next will not see it either. This article

By the time Generation Alpha walks through your door, digitally or otherwise, the question will not be whether you are ready for them. It will be whether you are still relevant in their world at all.  Generation Alpha, born from 2010 onwards with the eldest now approaching 16, will begin opening adult bank accounts from 2028. The customer relationships that banks, building societies, and credit unions build with this

New funding flexibility under the 2026 reforms opens the door to growth. Whether building societies walk through it will depend on how well they combine digital convenience, trusted advice and genuine member engagement. Key takeaways The Building Societies Act 1986 (Assimilation to Company Law and Changes to Funding Limit) Order 2026 changes how certain Bank

The member expectations your app was built for no longer exist. The question is what you build next. The Member Has Already Moved   Your members do not benchmark their digital experience against other credit unions. They benchmark it against every app they use daily. The expectations formed by Monzo’s spending insights, by Spotify’s understanding

Why automotive finance providers need a dedicated refinance channel, and why they need it now   Every PCP agreement contains a quiet bet. At signing, the lender predicts what the car will be worth in three years and locks that figure in as the Guaranteed Minimum Future Value (GMFV) — the “balloon.” The customer only

Financial services leaders have spent the past decade modernising channels, migrating to cloud, and digitising journeys. Useful, but no longer sufficient. The next competitive edge is AI customer experience (CX) transformation: using artificial intelligence to make every interaction more personal, proactive, and outcome-led, not just faster and cheaper.   What is AI transformation (and why

AI is reshaping banking at speed, but the same technology enabling innovation is fueling a fraud epidemic that is eroding the customer trust banks depend on. The institutions that will thrive are those that meet this moment with AI built on transparency, ethics, and explainability. Banking has always run on trust. Customers hand over their