Zygens

Tracy Stone, Director of Welfare Together, is focused on public sector debt, welfare support and early intervention in local authority collections. This episode we explore why households are falling into arrears, how council tax and utility debts differ from consumer credit, and why middle-income customers are increasingly affected by cost-of-living pressures. The discussion highlights the need for earlier engagement, income maximisation, benefit checks, single-customer views, better financial education and a more preventative approach to collections. It also considers the role… Read more

Zandra Moore and Charlie Bartle explore how organisations, particularly in financial services, are moving from AI curiosity to implementation. The discussion focuses on where firms currently stand, why many executives feel pressure to act, and why the real constraint is often not technology but education, prioritisation and change management. They argue that the strongest early returns come from practical internal use cases, especially those that improve operational workflows, unlock institutional knowledge and support compliance. They also discuss the evolution from… Read more