• The regtech revolution is upon us
      Scott Robertson - 12 July 2019

      Numerous theories have emerged as to why the UK has endured such a severe productivity problem over the last decade. Growth in productivity of just 2 per cent during that period would typically have been accomplished within a single year prior to the financial crisis, and thus the 'productivity puzzle' continues to confound economists

    • Contactless, fintech and the future of payments
      Scott Robertson - 27 April 2018

      As an economy, we're a collective of buyers and sellers. One thing both parties have in common is that they want the process of making a payment to be as quick, convenient and safe as possible.

    • How to stay safe online in 2018
      Brendan Ashe - 26 January 2018

      As the world's dependence on technology escalates, so too do the twin threats of fraud and cybercrime. And Brits, in particular, seem to be affected, especially so by the latter.

    • Bitcoin: Bubble or paradigm shift?
      Brendan Ashe - 7 December 2017

      This week, Bitcoin breached the $12,000 mark for the first time. The total value of all Bitcoins is now approaching $100bn.

    • AI: The rise of the machines
      Brendan Ashe - 9 November 2017

      Undoubtedly the biggest driver of change over the coming decades will be Artificial Intelligence (AI) – a much-publicised subject, but also one which is often poorly understood.

    • How tech start-ups are driving cross-sector collaboration
      Michael Todt - 27 September 2017

      The word ‘disruption’ is often associated with fintech and sporting a positive connotation to boot.

    • Keeping yourself safe from fraud and cybercrime
      Michael Todt - 10 November 2016

      We’ve written previously about the likelihood of a cashless society in the UK, and one of a number of reasons why such a prospect is unlikely in the short term is due to concerns relating to security with respect to online fraud and cybercrime.

    • Auctions, CD Players and Fax Machines
      Michael Todt - 9 September 2015

      Is the hammer itself, under the hammer? Got to love a cryptic question, huh? Much as we enjoy a good riddle, this one isn’t all that mysterious though.

    • Britain - The bridge between innovation and success
      Michael Todt - 7 May 2015

      Occasionally, the temptation can be to look across the pond and see the United States as some sort of older brother.

    • Shellshock vulnerability - We are Shielded
      Nicholas Harding - 29 September 2014

      Shellshock is a security vulnerability recently discovered by a team of security researchers.

    • Innovate Finance - FinTech industry body
      Nicholas Harding - 7 August 2014

      A new industry body designed to unify and accelerate growth in technology-led financial services innovators has launched.

    Recent

    • Fear not for British retail – an exciting future awaits
      Robbie Humphreys - 19 February 2020
      Summary of a post.
    • Income Tax: It’s here to stay
      Anthony Burgess - 11 February 2020

      Most people consider income tax to be a given, but in the UK it is barely two centuries old. In this article, we look at how this tax has developed over the years, and also why it is set to remain at the core of our tax system for many decades to come.

    • Open banking: slow, but steady progress
      Anthony Burgess - 5 February 2020

      Open banking celebrated its second birthday last month, but has the ‘revolution for financial services’ that was promised actually come to pass? In this article, we look at the progress the initiative has made so far, and what the future holds in the face of high levels of scepticism.

    • Has the energy price cap worked?
      Anthony Burgess - 28 January 2020

      On the face of it, a 'broken' energy market needed fixing, and the price caps introduced in early 2019 were heralded as the solution. But, one year later, have they actually helped consumers save?

    • Should falling inflation yield a rate cut?
      Anthony Burgess - 21 January 2020

      Last week, the Office for National Statistics surprised economists by announcing that the Consumer Price Index (CPI) had sunk to 1.3 per cent for December – a full 20 basis points lower than City expectations, and also the November equivalent.

    • Is Britain facing a credit card bubble?
      Anthony Burgess - 15 January 2020

      January tends to be a comedown following the Christmas festivities, and, from a personal finance perspective, a time for many Britons to lick their wounds. In particular, for those who’ve over-extended their credit card, it may feel like the walls have started to close in.

The Lending Works Shield does not give you a right to a payment so you may not receive a pay-out even if you suffer loss. The Lending Works Trustee has absolute discretion as to the amount that may be paid, including making no payment at all. Therefore, investors should not rely on possible pay-outs from the Lending Works Shield when considering whether or how much to invest. For more information click here.