All the latest insight and commentary from James Daley and the Fairer Finance team.

Blog

The FCA's war on low savings rates is a waste of energy

10 January 2020

The FCA's war on low savings rates is a waste of energy

James Daley

The FCA has announced plans to force savings providers to get rid of accounts paying derisory rates. But it's unlikely to have much impact, and there are bigger battles to be fighting.

Blog

Our partnership with The Times

4 December 2019

Our partnership with The Times

The Fairer Finance Team

The Times & Sunday Times have launched a new money website, called Money Mentor. All of Fairer Finance's ratings are published on the site - as well as some new ratings which we created specifically for the partnership.

Blog

How showing last year's premium on renewal letters led to a reduction in switching

6 November 2019

How showing last year's premium on renewal letters led to a reduction in switching

James Daley

Forcing insurers to put last year's renewal price on their letters was the right thing to do. But the FCA's analysis shows it's not had the impact that anyone had expected

Blog

FCA considers banning insurance dual pricing

6 November 2019

FCA considers banning insurance dual pricing

James Daley

The FCA has published its interim report of its general insurance market study. It's left some radical measures on the table, but everything's still up for grabs.

Blog

How to make critical illness definitions clear and simple

5 November 2019

How to make critical illness definitions clear and simple

Rory Cardwell

Do customers understand what Aorta graft surgery or Creutzfeldt-Jakob disease is? The challenge of simplifying protections policies.

Blog

If it looks like a bank and acts like a bank - it could be an EMI

31 October 2019

If it looks like a bank and acts like a bank - it could be an EMI

Peter Roper

Increasingly, current accounts are being provided by Electronic Money Institutions (EMIs) and payment institutions. What does this mean for the future of banking?

Blog

Barclays accelerates UK towards a cash crisis

9 October 2019

Barclays accelerates UK towards a cash crisis

James Daley

Barclays has announced it will no longer allow its customers to withdraw cash at Post Office branches from 2020. It's a decision that has far reaching implications for the stability of the whole cash infrastructure.

Blog

What does responsible look like when it comes to advertising credit cards?

18 June 2019

What does responsible look like when it comes to advertising credit cards?

James Daley

In a competitive credit market, firms find it hard to resist the temptation to incite their customers to borrow money. But in doing so, they're crossing a line

Blog

Defining excellence in banking customer service

14 June 2019

Defining excellence in banking customer service

James Daley

Measuring quality in banking is no mean feat, but our new report aims to do just that.

Blog

Sample size numbers in adverts – what’s the point?

11 June 2019

Sample size numbers in adverts – what’s the point?

Thomas Brennan-Siegert

Most consumers don't care about sample sizes. So why do we bother telling them?