Insight and Research

Published by: Financial Ombudsman Service Search for original: Link Key Take Aways The Financial Ombudsman Service is proposing to further differentiate case… Read More »Insights ¦ Evolving our funding model

Published by: Public First Search for original: Link Key Take Aways Persistent Crisis: Britain faces a sustained affordability crisis, with household energy… Read More »Insights ¦ Closing the fuel poverty gap: A plan for targeted energy support

Published by: Stanford University and NBER Search for original: Link Key Take Aways Entry-Level Impact: The proliferation of generative AI is beginning… Read More »Insights ¦ Canaries in the Coal Mine? Six Facts about the Recent Employment Effects of Artificial Intelligence

A monthly summary of regulatory developments in the UK. A pdf version and copies of the weekly update can also… Read More »Monthly Regulatory Summary: UK 2025 August

Published by: Independent Age Search for original: Link Key Take Aways A significant proportion of older adults on low incomes in England… Read More »Insights ¦ Water Single Social Tariff Report

Published by: Apple Search for original: Link Key Take Aways Current frontier Large Reasoning Models (LRMs) exhibit fundamental limitations in developing generalisable… Read More »Insights ¦ The Illusion of Thinking: Understanding the Strengths and Limitations of Reasoning Models via the Lens of Problem Complexity

Published by: MIT NANDA Search for original: Link Key Takeaways The majority of organisations are high adopters of GenAI tools like ChatGPT… Read More »Insights ¦ State of AI in Business 2025

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

Published by: Financial Conduct Authority Search for original: Link Key Take Aways The current redress framework effectively handles individual complaints but struggles… Read More »Insights ¦ Call for Input Modernising the Redress System

Published by: Ofgem Search for original: Link Key Take Aways The energy sector is experiencing unprecedented levels of debt due to the… Read More »Insights ¦ Debt strategy A ‘reset’ and ‘reform’ for customers in debt

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

Introduction In an era where personalisation is critical to customer engagement, the collections function for creditors must adapt to incorporate… Read More »INSIGHTS+ ¦ How to Use Data-Driven Personalisation in Collections: Enhancing customer interactions through personalised data insights.

Just updated the research from feedback on the UK energy market and the collections process. This covers all key residential… Read More »UK Energy Market – Collections Process – June 2024

Introduction In today's financial landscape, leveraging open banking data within a creditor's collections function is becoming increasingly pivotal. Open banking,… Read More »INSIGHTS+ ¦ How to Leverage Open Banking Data: Utilising open banking for improved decision-making and customer engagement.

Ensuring compliance with Consumer Duty and regulatory requirements within a collections function is pivotal for creditors. The evolving regulatory landscape… Read More »INSIGHTS+ ¦ How to Ensure Compliance with Consumer Duty and Regulatory Requirements: Steps to stay compliant with the latest regulations.