Finance-and-fintech

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    BBB small business finance markets report 2017-18

    The 80+ pages of the British Business Bank report titled Small Business Markets 2017/18 contains a wealth of market information, including market segment statistics which are more up-to-date than...

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    The FCA’s extended Senior Managers & Certification Regime

    The Financial Conduct Authority’s extended Senior Managers & Certification Regime – and what it will mean for marketers in 2019...

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    2017 market trends in SME lending

    Bank of England statistics show that lending to SMEs is very little changed after the first ten months of 2017. If anything, the owners of smaller businesses are keeping money on deposit while they...

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    The Impact Of Blockchain Technology On P2P Finance

    As Bitcoin hits new record highs in ever-decreasing time frames, the conversation about it is filtering down from the tech-savvy geek to the bleeding-edge investor and now, finally, to Joe Public....

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    FinTech things in the Budget you might have missed

    Beneath the headlines in the Chancellor’s Budget statement today, there was some encouraging news for the FinTech world....

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    How To: Have a Marketable ICO

    It isn’t very long ago that we lived in a world without the Initial Coin Offering, or ICO. Used by new and innovative companies to raise cash and bring their product or service to market, the...

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    Growing an online P2P community for your investors

    Creating an online presence is one thing but creating, building and sustaining an online community is very much another. Yes, you want to have a social media page that promotes your brand and...

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    Financing start-ups – shrewd, brave or foolhardy?

    What does Market Invoice (MI) know that its rivals don’t? News that the invoice financing platform is moving into straight term loans for SMEs is perhaps not so much of a surprise, but what does...

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    Whither the P2P borrowers?

    Attracted by the high yields on offer, lenders large and small, private and institutional, are queueing up to make money available for P2P loans. A few of the more recent developments have seen Zopa...

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    Analysis: FinTech vs Top 500 UK Websites

    Following on from my previous analysis piece on the Insurance and InsurTech market's websites against those of the Top 500 UK sites, I thought it was about time we did the same for...

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    Give Innovative Finance ISAs a chance

    According to official statistics from HMRC, only 2,000 Innovative Finance ISAs (IFISAs), with a total value of £17m (averaging out at £8.5k per head), were opened by consumers during 2016-17. Given...

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    Bank Referral Scheme - is 3% success, success?

    We suspected that the Bank Referral Scheme was going to be a slow starter when, five months ago, The Marketing Eye asked the Treasury’s Press Office how it was getting on. Despite the fact that no...

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    Peer-to-peer lenders should not fear APRs

    Following the Competition and Markets Authority's (CMA) announcement that the new pricing rules on business loans will not apply to peer-to-peer lenders, some are heaving a hefty sigh of relief,...

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    Peer-to-Peer lending passes £10 billion mark

    Peer-to-peer lending has reached a significant milestone since Zopa launched the world’s first P2P platform in 2005. Over £10 billion has been cumulatively lent across 23 UK P2P platforms....

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    Peer to Peer featured in Queen's birthday honours

    Good to hear that the pre-eminent pioneers of P2P lending in the UK are receiving formal recognition for their outstanding achievements. Described an a ‘Peer to Peer and Financial Inclusion...

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    New Fintech Collaboration: Xero + Liberis

    Liberis, the card based finance provider, has announced an integration with Xero, the UK's leading online accounting software, to improve small businesses’ access to capital and credit....

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    Consumer debt rises while businesses save

    Soaring levels of consumer debt are evidently causing the Bank of England, the Government and others in authority some sleepless nights. According to a recent report in The Guardian, the number of...

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    Liberis and Sage launch Sage Pay Business Finance

    Sage Pay has teamed up with alternative business finance provider, Liberis,to give Sage customers access to flexible financing for the first time....

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    ArchOver receives FCA authorization

    ArchOver, one of The Marketing Eye’s longest standing clients in the alternative finance sector, has been granted full authorisation by the Financial Conduct Authority (FCA). The news represents a...

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    Australian Budget sets scene for FinTech growth

    The latest Budget statement from ‘down under’, on May 9, reaffirmed the Australian Government’s intention to turn the continent into a global fintech centre....

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    FinTech as a force for good

    Kids, they say, grow up quickly and nowhere is this more true than in FinTech. Barely five years ago, the phrase wasn’t even invented. Now it is the collective noun for billion dollar enterprises,...

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    What is a bank?

    One of the recurring themes at this year's AltFi Europe event, organised by the excellent AltFi team, was a quest for the definition of a bank, or more particularly a bank of the future. Is it any...

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    Giles Andrews' appointment marks another step on P2P’s road to maturity

    Students of the history of finance may one day look back on Giles Andrews’ appointment to the Chair of MarketInvoice (MI) as a major milestone in the evolution of the P2P sector....

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    New community for Bank of England’s FinTech Accelerator

    The Bank of England has made steps towards improving relations between itself and the Fintech sector with the launch of its new community. The community intends to bring the Bank and Fintech-related...

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    Credit where it’s due

    Sometimes you just have to say ‘well played’....

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    Professor to sort Bank Referral Scheme

    The much-vaunted Bank Referral Scheme master-minded by the Treasury went live on November 1 last year, followed by deafening silence ever since. Anecdotal stories have been trickling out that suggest...

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    Is consumer car finance the next big opportunity for P2P?

    Two very clear trends are emerging in the Alternative Finance sector. First, with lenders casting aside any doubts about security to get at the attractive yields available, the pressure is on for...

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    Challenger banks to receive unexpected boost from RBS

    At long last, the shareholders of RBS (still 73% owned by the State) have received a piece of goodish news that should help raise their spirits. Faced with the prospect of missing the deadline for...

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    What about the savers?

    A lot of noise (propaganda?) is being created around the UK’s unexpected economic boom following the Brexit vote. We are being force-fed a constant diet of how the visionary ‘leavers’ were...

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    Greed is a great healer

    President Trump’s early efforts to bring legislative change to America make it a little difficult to look across the Atlantic and feel totally at ease. For example, with one flourish of his...

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    Baying for blood

    The critics of the P2P sector are seated in the gallery, waiting, it seems, for that exquisite moment of high drama when the first major casualty hits the deck. The mainline media have done their bit...

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    Rebranding Zopa

    Some thoughts on the newly rebranded P2P lender by Creative Director Nick Davis....

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    It’s not just P2P in the FCA queue

    Industry regulators are never going to come out top in the popularity stakes, but the Financial Regulation Authority (FCA) looks to be on the receiving end of mounting criticism from a number of...

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    FSCS limit reset to 85k

    As predicted towards the end of 2016, and after taking account of feedback from the financial marketplace, the UK’s Prudential Regulation Authority (PRA) has confirmed that the limit on the...

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    Platform Black rebrand

    Platform Black, one of the first names to emerge from the peer-to-peer finance revolution, is changing its name to Sancus Finance with effect from Monday (16 Jan 17)....

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    The press pendulum is swinging

    A media that once had nothing but good things to say about the alternative finance industry, is getting noticeably more challenging....

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    2017 - a year of hell or a hell of a year for Alternative Finance?

    2016 gave us Lending Club; record new business volumes; a slow start for the IFISA; launch of the Bank Referral Scheme; oh yes, and Brexit…and Trump....

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    FCA interim report ruffles P2P feathers

    The Financial Conduct Authority’s recent Interim Feedback report has certainly ruffled some feathers. Its publication prompted emotive headlines to appear like ‘FCA to crackdown on P2P lenders’...

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    Italian job - any takers?

    The knock-on effect of Matteo Renzi, Italy’s Prime Minister, making good his threat to resign if voters rejected his plans for constitutional reform, which they did by a ratio of 60:40, was...

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    Bank Referral Scheme - Is the horse drinking?

    The long-awaited Bank Referral Scheme took its first official breath on November 1 this year after a journey that began in earnest in 2015 when the Coalition Government put the ‘Small Business,...

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    LiftForward to launch in UK next year

    The UK Altfi market could be faced with a genuinely new business model to contemplate when Jeffrey Rogers, the President and CEO of New York-based LiftForward, brings his show to town sometime in the...

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    Do we need a P2P Compensation Scheme?

    The lack of an industry-funded compensation mechanism along the lines of the Financial Services Compensation Scheme (FSCS), which stands behind the banks, has long been used by some sections of the...

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    Zopa to launch a bank

    News that Zopa, which pioneered peer-to-peer lending with its launch in 2005, plans to launch a next generation, or neo-bank in early 2018 has caused quite a stir....

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    Peer to Peer hits the High Street

    Between them, the ‘Big Four’ banks have reportedly closed around 1,700 branches across the UK over the past five years. Furthermore, they have made no secret of the fact that their customers can...

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    Borrowing behaviours of cash based small businesses

    Picking out the genuinely useful indicators in amongst the myriad finance-related surveys doing the rounds can be hard work at the best of times, not least when the headline writers get a tad...

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    Bank referral scheme launches this week

    After years of lobbying and a similar amount of negotiation and planning, the Bank Referral Scheme launches this week....

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    Don't ask the applicant

    Of the many interesting topics discussed at Lendit earlier this week, the one that caught my attention most often was the future of underwriting. Strange for a marketer you might think, but I happen...

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    LendInvest results

    As a quick follow on to my recent post, When is a loss a good loss?, LendInvest bucked the trend somewhat this week by announcing profits for the 12m to March 16 of £3.4m....

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    App based banking - yes please, sort of

    New entrants to the banking sector are arriving thick and fast, most of them designed for riding the internet highway. However, the latest Global Consumer Banking Survey conducted by professional...

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    When is a loss a good loss?

    The scale of losses racked up by the front runners in the Altfi sector make eye-watering reading. We learned recently that Funding Circle saw its deficit double to £36m last year which, if nothing...

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    You are challenging the banks, but are you a challenger brand?

    In the world of alternative finance and FinTech, the favourite word is 'disruption' - it defines the opportunity and gives a sense of purpose and, hey, it sounds edgy and cool at the same time....

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    Are SMEs borrowing or not?

    The latest annual figures from the National Association of Corporate Finance Brokers (NACFB) present a rosy, but not altogether consistent picture....

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    Beefing up the board at Funding Circle

    News that Eric Daniels, the former boss of Lloyds Bank, has accepted a directorship at Funding Circle draws many possible extrapolations....

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    You win some, you lose some - it's the name of the game

    SEEDRS published a detailed report of its entire equity crowdfunding history on September 7, one day before the deadline closed for submissions to the FCA for its ‘post implementation review of the...

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    The cost of misleading promotions

    News that Harmoney, New Zealand’s largest and best known marketplace lender, has fallen foul of the law for a misleading promotion acts as a timely reminder to platform owners and their marketing...

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    IF ISA infographic

    Our friends at Orca Money have produced this handy infographic explaining all you need to know about the current state of play with the Innovative Finance ISA, including who currently has an offer...

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    Alternative Finance and Fintech - a financial revolution or hype?

    This is a guest post by Ian Hepworth, founder of independent finance brokers and cashflow finance specialists, Funding Solutions. Ian welcomes the increase in choice for borrowers, but encourages...

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    Where next for IFAs and peer-to-peer?

    Not normally known for eschewing the opportunity to make an easy buck or two, the UK’s IFA community has been strangely reluctant to engage with P2P crowdlending, despite its remarkable rise to...

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    The Innovative Finance ISA: What does the new tax wrapper mean for UK SMEs?

    The continued growth in Peer-to-Peer (P2P) lending volumes is showing no signs of slowing and the introduction this week of the new Innovative Finance ISA (IFISA) could go a long way towards...

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    FCA battles with P2P regulation log jam

    When Chancellor George Osborne declared last year that the new Innovative Finance ISA would be open to investors from the start of April 6 2016, he evidently under-estimated the impact on the...

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    Innovative Finance ISAs - all you need to know (podcast)

    Many of us enjoy Mike Baliman's excellent London FinTech podcasts. With the Innovative Finance ISA, or IF ISA, being such a hot topic of conversation at the moment - and more questions than answers...

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    Marketing and Sales - are they room-mates from hell?

    A guest post by Debra Andrews, B2B Marketing Strategist and President of our partner agency in the US, Marketri ...

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    Naming your business from the inside out

    Charlotte Petris of Timelio shares four tips for making your most important branding decision: naming your company...

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    ‘Alternative Finance’ - positive handle or ball and chain? The results are in

    Does the ‘Alternative’ in Alternative Finance help or hinder this rapidly expanding sector?...

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    Triple A rated - a perspective on P2P in Spain

    A guest post by Sergio Anton, Founder and Chief Executive, MyTripleA...

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    Are P2P platforms ready for Innovative Finance ISAs?

    A guest post by Jake Wombwell-Povey ...

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    Building strategic value from online reviews

    Guest Post by Michael Fotis...

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    Lloyds expects “many thousands of customers a month” to be passed into finance referral scheme

    Lloyds Bank expects “many thousands of customers a month” to be passed into the formal finance referral scheme when it goes live next year, according to its Head of Business Development for SME...

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    Accidents happen

    Accidents happen. However, when it comes to Alternative Finance, it seems the massed ranks of the financial media have almost been willing a catastrophe to spoil the happy scene....

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    'Alternative Finance' - positive handle or ball and chain?

    The latest data from the Bank of England shows total lending to SMEs standing at £163bn, a weighty figure by any measure, notwithstanding it is £5.5bn down on 12 months ago....

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    Can IFAs really ignore the Innovative Finance ISA?

    Chancellor George Osborne certainly put the cat amongst the IFAs’ pigeons when he announced in his July Budget the introduction of an Innovative Finance ISA that will include P2P loans....

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    Why AltFi mustn't forget its social purpose

    Institutional investment in Altfi has been back in the news recently with the FT reporting that that the P2PFA was taking steps to ban institutional 'cherry picking' - a practice that was quickly...

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    Who will aggregate the aggregators?

    As awareness of Alternative Finance grows and appeals to a wider audience, funding platforms are offering solutions for increasingly niche requirements. The sector is evolving fast and recent...

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    Staying onside of the FCA – financial promotions in social media

    “Financial promotions, whether on social media or traditional media, must give customers the right information and meet our requirements to be fair, clear and not misleading,” FCA director of...

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    Could bitcoin become the ultimate in Alternative Finance?

    If he has heard of ‘Bitcoin’ at all, the average man in the street could be forgiven for dismissing the very idea of an electronic, or ‘virtual’, currency as unnecessary or as a concept too...

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    Can IFAs ever be turned on to peer-to-peer?

    Why the usually mega-opportunistic IFA community has not bought more heavily into the P2P lending market on behalf of its interest-starved clients remains something of a mystery. With returns from...

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    Demand is the mother of invention

    If there was ever any doubt about the Alternative Finance sector’s capacity for innovation, just take a look at the latest offerings from UK Bond Network and Wellesley & Co. While others have been...

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    Milk, eggs and a slice of peer-to-peer please

    The entire raison d’etre of the Alternative Finance movement – indeed, the catalyst for its creation – was that the traditional banks were neither lending to businesses, nor paying decent...

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    Peer to peer finance in Australia

    A visit to Australia over the New Year was purely pleasure, but professional interest meant I couldn't resist taking a quick look at what is happening in the alternative finance scene down-under....

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    LendInvest plans to list on LSE

    It was bound to happen sooner or later. According to the Financial Times, the UK will have its first P2P platform listed on the London Stock Exchange within the next twelve months....

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    'till death us do part - the marriage of banks and AltFin providers

    What does the announcement of RBS's referral agreement with Funding Circle and Assetz Capital mean for the long term prospects of SMEs' access to finance? ...

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    Looking back to look forwards - An alternative year in perspective

    Statistics can sometimes convey a powerful message on their own, the Alternative Finance industry being a case to point....

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    The Changing World of Money - a review

    By the power of LinkedIn, I found myself reading through a new KPMG publication titled: 'The Changing World of Money'....

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    Lending Club booms to prosper

    The good news just keeps coming. Following a pleasing Autumn Statement from George Osborne that ticked many of the items on the Christmas ‘wish list’, the alternative finance industry has...

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    The altfi marketing budget - how much is not enough?

    The question is a perennial one: how much should we be spending on our marketing?...

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    Alternative finance and traditional finance - the lines begin to blur

    While they may have hit rock bottom in the popularity stakes, UK banks will doubtless take comfort from the fact they are officially considered to be financially stronger than many of their...

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    P2P ISAs who will be the winners

    Bloodless revolutions are rare. The one taking place right now in the finance sector is a case in point....

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    Further hike in capital requirements for banks signals time for Altfin is now

    There was a small, but potentially significant article by Simon Dukes in the Sunday Times. In it, he highlights that the Big Four banks will be ordered to further increase their capital ratios to...

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    Use of social media in financial promotions. Staying onside of the regulator

    Alternative Finance businesses need to maximise the use of social media to get their brands in front of the widest possible relevant audience, but it presents regulators with a headache. ...

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    Why traditional finance businesses cannot afford to ignore FinTech

    Financial services is undergoing its biggest revolution since the coffee house conversations of the 17th Century. Once considered the exclusive domain of highly capitalised institutions, it is now...

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    Streamline your way to sales in the financial arena

    Financial marketing is inherently complex; there are often a number of messages to get across and a number of products or services to promote - all through a wide range of media channels to meet...

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    Hot Topics in Social Media Marketing Right Now

    Neil recently presented at the Financial Services Social Media conference in London.  Leading marketing professionals got together to discuss and share ideas and best practice on social media...

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    7 major marketing challenges faced by the alternative finance sector

    Alternative finance has enjoyed an explosion of growth in recent years.  In the UK it has grown by 250% in the last 12 months and some observers are saying it will be a $1 trillion industry globally...

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    Financial Services Copywriting

    We provide email marketing support to a number of businesses in the finance sector. The average engagement rates for finance & banking sector emails are at 21.05% for opens and 2.53% for clicks. ...

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