Insights

What the FCA's price and value rewrite means for long-standing customer data

Written by: Stuart Murgatroyd

How BNPL regulation is forcing UK credit reference agencies to rethink data reporting

Written by: Stuart Murgatroyd

5 critical warning signs your vulnerability data is lagging

Written by: Stuart Murgatroyd

The vulnerability data maturity model

Written by: Stuart Murgatroyd

Why complaints and disclosure aren't enough to measure vulnerability

Written by: Stuart Murgatroyd

The FCA has closed the data protection excuse on vulnerability sharing

Written by: Stuart Murgatroyd

Three years of the Consumer Duty: the honest scorecard

Written by: Stuart Murgatroyd

Credit Bureau Data vs Alternative Data: What's the Difference?

Written by: Stuart Murgatroyd

How to choose a consumer data partner: Proof of Value, ROI and due diligence

Written by: Stuart Murgatroyd

How to combine bureau and alternative data without rebuilding your whole strategy

Written by: Stuart Murgatroyd

Three questions debt collectors should ask before the first dial

Written by: Stuart Murgatroyd

Why more current data improves timing across engagement, support, and risk decisions

Written by: Stuart Murgatroyd

What FCA-aligned vulnerability identification looks like in operational teams

Written by: Stuart Murgatroyd

Why customers go unreachable in collections (even when you already buy contact data)

Written by: Stuart Murgatroyd

Why AI in collections fails without better data

Written by: Stuart Murgatroyd

Why vulnerability detection must move earlier in the lifecycle

Written by: Stuart Murgatroyd

Open Banking hits 15 million users, but vulnerability needs a broader lens

Written by: Stuart Murgatroyd

The two-speed consumer economy: Why stable customers are becoming a risk

Written by: Stuart Murgatroyd

Is it the end of the credit bureau monopoly?

Written by: Stuart Murgatroyd

BNPL under FCA regulation in 2026: Affordability, authorisation and what changes

Written by: Stuart Murgatroyd

The hidden risk inside every purchased portfolio

Written by: Stuart Murgatroyd

From Ofwat’s assessment to ongoing scrutiny: where vulnerability delivery will be tested next

Written by: Stuart Murgatroyd

Ofwat’s vulnerability assessment sets a baseline. Delivery is where confidence is won or lost

Written by: Stuart Murgatroyd

82% of SPD claims in our sample were invalid. Here’s how councils can see the real exposure

Written by: Stuart Murgatroyd

E-billing for councils: Why digital adoption stalls and how better data fixes it

Written by: Stuart Murgatroyd

DCA commissions redress is coming: but can you reach those who need compensating?

Written by: Stuart Murgatroyd

How to use 35% better match rates to cut cost-to-collect

Written by: Stuart Murgatroyd

From gifts to gas bills: What’s really behind this year’s festive borrowing

Written by: Stuart Murgatroyd

Beyond the credit file: detect vulnerability before it becomes harm

Written by: Stuart Murgatroyd

Know More, Do Better: A Practical Guide to Identifying Vulnerable Customers

Written by: Stuart Murgatroyd

The Cost of Fragility: What New Data Reveals About UK Consumers

Written by: Stuart Murgatroyd

What 66% reliance on emergency loans tells us about financial resilience

Written by: Stuart Murgatroyd

What the FCA's price and value rewrite means for long-standing customer data

How BNPL regulation is forcing UK credit reference agencies to rethink data reporting

5 critical warning signs your vulnerability data is lagging

The vulnerability data maturity model

Why complaints and disclosure aren't enough to measure vulnerability

The FCA has closed the data protection excuse on vulnerability sharing

Three years of the Consumer Duty: the honest scorecard

Credit Bureau Data vs Alternative Data: What's the Difference?

How to choose a consumer data partner: Proof of Value, ROI and due diligence

How to combine bureau and alternative data without rebuilding your whole strategy

Three questions debt collectors should ask before the first dial

Why more current data improves timing across engagement, support, and risk decisions

What FCA-aligned vulnerability identification looks like in operational teams

Why customers go unreachable in collections (even when you already buy contact data)

Why AI in collections fails without better data

Why vulnerability detection must move earlier in the lifecycle

Open Banking hits 15 million users, but vulnerability needs a broader lens

The two-speed consumer economy: Why stable customers are becoming a risk

Is it the end of the credit bureau monopoly?

BNPL under FCA regulation in 2026: Affordability, authorisation and what changes

The hidden risk inside every purchased portfolio

From Ofwat’s assessment to ongoing scrutiny: where vulnerability delivery will be tested next

Ofwat’s vulnerability assessment sets a baseline. Delivery is where confidence is won or lost

82% of SPD claims in our sample were invalid. Here’s how councils can see the real exposure

E-billing for councils: Why digital adoption stalls and how better data fixes it

DCA commissions redress is coming: but can you reach those who need compensating?

How to use 35% better match rates to cut cost-to-collect

From gifts to gas bills: What’s really behind this year’s festive borrowing

Beyond the credit file: detect vulnerability before it becomes harm

Know More, Do Better: A Practical Guide to Identifying Vulnerable Customers

The Cost of Fragility: What New Data Reveals About UK Consumers

What 66% reliance on emergency loans tells us about financial resilience

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