[DASHBOARD] Insolvencies and Breathing Space

With an affordability crisis in the headlines, a quick look at the status and trend in insolvencies and breathing space [Debt Respite] England and Wales data shown. Link to the data source here. [data notes: data source:] If you have found this content useful, you can also subscribe to receive future updates or contact us at the links below.

[DASHBOARD] Family Expenses by Income Decile

With an affordability crisis in the headlines and expectations from the spring financial statement, my curiosity was raised on the data. Where do families spend their money and how does this change by income band. The data is of course available via the ONS (link here) with the data explorer dashboard below. It is important to note that this data excludes mortgage and loan payments. [data notes: data source: ] If you have found… Read more

[DASHBOARD] Remote working survey

Remote-Hyrbid-OnSite working has been a theme throughout the COVID pandemic. During this time many were forced to work remotely and many also found benefits to do so. Now with the pandemic ending there has been a push to return to the office, on-site. But want to employees want, really want, and how will this evolve over time? Our survey aims to find out. If you would like to also have your say, you can join… Read more

[DASHBOARD] UK Energy Market Turmoil

The energy market in the UK has been in turmoil recently with the increase in wholesale gas prices. This has resulted in a wave of companies ceasing trading and falling part of the Ofgem support scheme for consumers. We have summarised the ofgem data below in an explorable data set, to be able to ‘slice and dice’ the current state of this industry. [data notes: updated manually from Ofgem news:] If you have found… Read more

Buy-Now-Pay-Later: How is this different from consumer lending?

There has been a lot written about the Buy-Now-Pay-Later sector the last few years. It has been growing at 39% per year in the UK, and this form of deferred payment is spreading from its origins in Europe, to the rest of the world now too. What is Buy Now Pay Later (BNPL)? Buy Now Pay Later (BNPL) is a way for consumers to make purchases, and defer payments for them to a later period,… Read more

Symptomatic Performance Diagnosis

Remotely assess operational risk and evaluate issues across the customer lifecycle  MANAGING THE CREDIT RISK PROCESS Credit risk is simply the assessment of the risk that a customer will default on payment for a product or services that has been provided. In many businesses controlling this risk is a critical element in profitability.  Accept too much risk, revenue loss increases; too little, growth is constrained.  It has to be just right, finding the ideal balance… Read more