Crowdfunding: Maturing with Regulation

  • Posted on 1st September 2016
Crowdfunding: Maturing with Regulation

In July, the Financial Conduct Authority (FCA) – the body that regulates loan-based and investment-based crowdfunding in the UK – launched a ‘call for input’ on the current rules applied to crowdfunding in the UK. The review comes two years after the FCA first took over regulatory responsibilities for this burgeoning sector. In the FCA’s own words, they “want to…

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Membership vs access: Why words have meaning for the future of UK financial services and the Single Market

  • Posted on 26th July 2016
Membership vs access: Why words have meaning for the future of UK financial services and the Single Market

Some of the UK political instability following the EU Referendum in June is beginning to dissipate. A new Prime Minister, reshuffled Ministerial teams, and reshaped Government machinery are in place. A timetable of sorts for the next steps is beginning to form, ie. no triggering of Article 50 to commence the departure negotiations, during this calendar year, but likely early…

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What would Brexit mean for the investment climate in the financial sector?

  • Posted on 13th May 2016
What would Brexit mean for the investment climate in the financial sector?

With just six weeks left to go, the battle over the UK’s continued membership of the European Union is rising in volume and intensity. A key issue for investors in UK-traded financial services products and markets is undoubtedly what effects the decision made on June 23 will have on the climate for purchasing or retaining bonds, equities or other assets…

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The Single Rulebook and why it matters for financial services in the UK

  • Posted on 27th April 2016
The Single Rulebook and why it matters for financial services in the UK

One of the key policy responses to the financial crisis which led to the Great Recession was the subsequent action taken by EU Heads of Government through the European Council in June 2009 to strengthen the regulatory system governing all financial services providers within the Single Market area. In establishing a new European Banking Authority (EBA), within a European System…

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Major banks on the move with Blockchain – huge development amid renewed economic flux

  • Posted on 13th April 2016
Major banks on the move with Blockchain – huge development amid renewed economic flux

These are key months in the future of financial services, and for the power of traditional banks in the global economy. The recent Citigroup report spelled out in clear terms the potential of Blockchain technology, which underpins the digital currency Bitcoin, to revolutionise financial services way beyond payment and remittance services, into asset management and insurance. The report modelled projected…

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UK well placed to lead transformation in financial services through global leadership in Fintech

  • Posted on 29th March 2016
UK well placed to lead transformation in financial services through global leadership in Fintech

The world of financial services is changing fast. The implications of blockchain technology or decentralised ledgers may not yet be a hot kitchen table topic but has the potential to utterly change the worlds of banking, insurance, asset management, and access to finance. In short, it could transform the economy around us. Though the US remains the largest base for…

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Regulatory Sandbox – a new form of policymaking

  • Posted on 7th December 2015
Regulatory Sandbox – a new form of policymaking

The ways and means in which regulation is developed and implemented in the internet age have changed. Regulation across the globe can only follow the rapid expansion of new innovation and business models in, for example, online short-term rentals or car-sharing platforms. There is a continuing trend towards companies developing an idea and going to the market with it fast,…

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Capital Markets Union – a new framework for diversification

  • Posted on 26th June 2015
Capital Markets Union – a new framework for diversification

In February of this year, the European Commission unveiled its Green Paper for ‘Building a Capital Markets Union’. Over the coming five years it will be the flagship project for the Directorate General responsible for Financial Stability, Financial Services and Capital Markets Union (DG FISMA). The Green Paper clearly states that the European Commission’s objective is to stimulate economic growth,…

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What the future may hold for Fintech after the UK general election

  • Posted on 26th March 2015
What the future may hold for Fintech after the UK general election

With the UK General Election just six weeks away, the recent Budget was an opportune time for The Chancellor, George Osborne, to set out his stall and give the UK electorate a glimpse of what a Conservative-led Government after the election would prioritise. Among the macroeconomic announcements and promises were policies solely aimed at the growing financial technology (Fintech) sector….

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