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ANALYSIS

The CS Interview

Experian's Charles Butterworth on the potential of Open Banking
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Experian's Charles Butterworth on the potential of Open Banking

06 Mar 2019 Calum Fuller
As Credit Awareness Week approaches, Experian managing director UK, Ireland and EMEA Charles Butterworth, discusses technology and what he hopes can be achieved through the campaign
Read full interview

Opinion

David Kerr

Preferential status overhaul biggest to insolvency regime in 15 years

David Kerr
David Kerr

Credit Awareness Week: Financial exclusion is unacceptable in modern UK

Jonathan Westley
David Kerr

Credit awareness crucial amid financial uncertainty

Tom Blacksell
David Kerr

The View From Westminster: There is life beyond Brexit in parliament

Jonathan Horsman
Read more stories

Features

Monzo’s next move: Mortgages, business banking and rebuilding credit scores

Monzo’s next move: Mortgages, business banking and rebuilding credit scores

Marcel LeGouais
Monzo’s chief credit officer Tim Trailor used the Credit Summit to reveal the lender’s ambitious plans to launch mortgages, loans, products for businesses and ways to help consumers rebuild their credit scores
Read more
Run the risk: Senior credit professionals on the UK's risk outlook

Run the risk: Senior credit professionals on the UK's risk outlook

Calum Fuller
Amid unprecedented levels of instability, prominent chief risk officers, chief credit officers and heads of credit risk used the Credit Summit to run the rule over the risk factors facing both consumers and the UK on a macro level
Read more
The FCA’s next targets: Business models, relending and guarantor loans

The FCA’s next targets: Business models, relending and guarantor loans

Marcel LeGouais
Guarantor lenders have much to consider, maybe worry about, but everyone needs to think about affordability in the context of relending, reports Marcel Le Gouais
Read more
Quotes by TradingView

Insight tools

Rise of the machines

A major joint report into AI and automation across financial services, utilities and telecoms

Performance through Accreditation & Education - Spencer Halil & Gerry Kouris, ALPHERA Financial Services

Presentation by ALPHERA Financial Services at the Car Finance Conference 2018

findandfundmycar.com - Adam Mepham, MotoNovo Finance

Presentation by MotoNovo Finance at the Car Finance Conference 2018

FCA Update on Car Finance Market - Jo Davis, Locke Lord

Presentation by Jo Davis at the Car Finance Conference 2018
Digital Fortress: Captains of Industry survey reveals FTSE executives’ fears around data protection

Digital Fortress: Captains of Industry survey reveals FTSE executives’ fears around data protection

Edition’s highlights:

→ How the land lies: The horizon for BrightHouse and Provident

→ Credit Summit: The lowdown on Europe’s largest credit conference

→ Stark warning: Sir Vince Cable on UK household debt
Read the issue

Recommended reports

Where next?

In its annual report on the market, the Credit Management and Debt Collection (CMDC) Index, OC&C Strategy Consultants charts different paths to growth for debt purchasers. NIGEL STIRK, partner at the consultancy, reports
Download

Help the aged: A lesson for mortgage lenders

Experts at Credit Strategy’s inaugural Mortgage Conference last month explained that customers are borrowing later in life and for longer. Brokers and lenders believe products for an ageing population need updating
Download

Nothing to fear but the economy itself

Experts at Credit Strategy’s Collections, Debt Sale & Purchase (CDSP) Conference explained how interest rate rises, and other economic factors, should be a warning to consumers.
Download

Unbanked and unwanted

An extensive survey and research on the UK population who remain unbanked shows surprising results, with this demographic displaying multiple profiles who are not always disadvantaged
Download

Prime destination

Whilst Italy is gaining momentum as Europe’s most active non-performing loan market, the UK is coming close to shedding the last of its financial crisis debt. Credit Strategy takes a look at the most talked-up markets past and present
Download

Defining disruption

‘Market disruption’ typically describes technology changes that render old ways of working redundant. But in the collections sphere, it means much more. Reporting on advances in technology, Open Banking, data protection regulation and consolidation, Credit Strategy finds that firms’ willingness to embrace change is vital
Download

Bank NPL analysis

Banks continue purge of bad debt from balance sheets

The round of half-year results in recent weeks for the retail banks show that lenders are reducing bad debts by up to 76 percent in some cases

RBS forbearance hits £5bn

The Royal Bank of Scotland (RBS) said it has £5.2bn of "stock" in personal banking that’s in forbearance, a figure that includes schemes from the past two years.

Lloyds results reveal £2bn of debt in forbearance

Lloyds Banking Group is holding on to a pipeline of £2bn of retail loans and advances which are in forbearance schemes, according to its annual results for 2016

The seven-year glitch

Up until the end of 2016, the annual trajectory of personal insolvencies in England and Wales had followed a fairly benign pattern
Webinar recordings
AI and automation in utilities and telecoms 

AI and automation in utilities and telecoms 

A live webinar exploring findings from a major survey of utility and telecoms providers, that unearthed their views on: The use of automation and AI in credit referencing, affordability checks, fraud prevention and more, approach to data capture and deployment and areas of regulatory focus.
Watch the recording

LATEST INDUSTRY NEWS STRAIGHT TO YOUR INBOX

Join the Credit Club

Digital Fortress: Captains of Industry survey reveals FTSE executives’ fears around data protection
Fast lane: Why IFRS 9 is already accelerating debt sale activity
20/20 vision: How Credit Strategy is marking 20 years of representing credit
Rise of the machines
Cultural evolution: How utilities firms overhauled their approach to vulnerable customers
Standing their ground: Amid increased scrutiny from both MPs and regulators, BrightHouse is a lender very much under the microscope.
Opening the vaults: As Open Banking begins, are consumers, banks and third parties taking advantage?
The new normal: Why rising interest rates and consumer debt were key themes at the Credit Summit
The fourth revolution: Industry leaders predict the roles AI will replace
A woman in credit: Starling Bank's founder on growth plans and gender diversity in the UK
OC&C charts the road ahead for debt purchasers and DCAs
How Italy became Europe's most active NPL market
The changes collections firms have to embrace, before it's too late
Why the mortgage market is ripe for innovation
How senior managers will be held accountable for conduct
How government proposals could shake the foundations of utilities firms
The frailty of creditors' cyber crime defences
Why more councils need to change their cultural approach to collections
How to help agents cope with multiple forms of vulnerability
Become a member
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