Insight and Research

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

Published by: Ofwat – Water Services Regulation Authority Search for original: Link Key Take Aways The UK water regulator, Ofwat, is introducing… Read More »Insights ¦ Consultation – Consumer involvement rule

Published by: Financial Conduct Authority Search for original: Link Key Take Aways Motor insurance premiums increased notably between 2022 and 2024, placing… Read More »Insights ¦ Motor Insurance Claims Analysis

Published by: Financial Vulnerability Taskforce Search for original: Link Key Take Aways Vulnerability is circumstantial, not defined by age or demographics, and… Read More »Insights ¦ FVT Bereavement guide v6 Web

Published by: Financial Conduct Authority Search for original: Link Key Take Aways The FCA supports the IWG’s progress in establishing a new… Read More »Insights ¦ FCA Public FCA Feedback to the Interim Working Group’s (IWG) Final Report

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