Insight and Research

Published by: Ofgem Search for original: Link ### Key Take Aways 1. The majority of domestic consumers perceive standing charges as ‘unfair,’… Read More »Insights ¦ Domestic consumer views on energy pricing

Published by: Financial Conduct Authority Search for original: Link Key Take Aways Natural Language Processing (NLP) is rapidly evolving and holds significant… Read More »Insights ¦ A Pilot Study into Bias in Natural Language Processing

Published by: The Money Charity Search for original: Link Key Take Aways UK consumer debt has increased significantly, with total personal debt… Read More »Insights ¦ July 2025 Money Statistics

Published by: Financial Conduct Authority (FCA) Search for original: Link Key Take Aways Digital platform design significantly influences customer understanding and decision-making,… Read More »Insights ¦ Digital design in customers’ online journeys: good practice and areas for improvement

Ofgem published their Debt Strategy back in 2024 and have just released a proposal on their debt relief scheme (below).… Read More »[INSIGHTS]: Ofgem Debt Strategy – Next Steps

Published by: Financial Conduct Authority Search for original: Link Key Take Aways The FCA is establishing a proportionate regulatory framework for Deferred… Read More »Insights ¦ Consultation Paper CP25/23*** Deferred Payment Credit (unregulated Buy Now Pay Later): Proposed approach to regulation

Published by: Financial Conduct Authority Search for original: Link Key Take Aways The FCA aims to become a smarter regulator by leveraging… Read More »Insights ¦ Engagement Paper Proposal for AI Live Testing

Published by: Financial Ombudsman Service Search for original: Link Key Take Aways The Financial Ombudsman Service is proactively evolving its funding model… Read More »Insights ¦ Evolving our funding model

Published by: Financial Conduct Authority Search for original: Link Key Take Aways Digital design practices significantly influence consumer understanding and decision-making in… Read More »Insights ¦ Digital design for financial products and services: Consumer impact of sludge, deceptive design, timeliness and simplification

Published by: Ofgem Search for original: Link Key Take Aways Most consumers perceive standing charges on energy bills as somewhat or very… Read More »Insights ¦ Consumers’ attitudes towards standing charges

The reciprocity principle is a fundamental social rule that suggests individuals are more likely to return favours when they receive… Read More »INSIGHTS+ ¦ Reciprocity Principle – in Collections [Behavioural Series]

Implementing Social Norms Theory within a collections function can significantly enhance the effectiveness of debt recovery strategies for creditors. Social… Read More »INSIGHTS+ ¦ Social Norms Theory – in Collections [Behavioural Series]

Loss aversion theory, rooted in behavioural economics, posits that individuals prefer avoiding losses rather than acquiring equivalent gains. This principle… Read More »INSIGHTS+ ¦ What is Loss Aversion theory – for Collections [Behavioural Series]

Nudge theory, a concept derived from behavioural economics, posits that subtle changes in the way choices are presented to people… Read More »INSIGHTS+ ¦ What is Nudge theory and how does this relate to Collections [Behavioural Series]

10 Useful Behavioural Framework Models for Debt Collections Nudge Theory: Nudge theory involves subtly guiding individuals towards desired behaviours without… Read More »INSIGHTS+ ¦ What are 10 behavioural theories that impact the debt collections process