All the latest insight and commentary from James Daley and the Fairer Finance team.
Blog
20 January 2015
The consumer champion robot cometh
The conclusion of the FCA's market study into savings includes an interesting proposal to break down the barriers that have stopped so-called "account aggregators" from being successful. It's a move that could radically change how we interact with banks and insurers.
Blog
19 January 2015
How regulations can get in the way of protecting consumers
The Financial Conduct Authority's enormous rule book often stops well meaning companies from doing the right thing by their customers
Blog
14 January 2015
RBS finally puts its money where its mouth is
The Royal Bank of Scotland is to scrap short-term bonuses for its senior executives. It's the first real indication that the bank is serious about changing its culture.
Blog
9 January 2015
How do you know if you’re getting a good deal?
From buying a plane ticket to buying insurance - how do you know whether you're being offered a fair price when you make a major purchase?
Blog
7 January 2015
Why did HSBC’s consumer champion leave after 11 months?
Natale Ceeney's premature departure from HSBC illustrates just how difficult it can be to deliver cultural change in large established financial services businesses.
Blog
16 December 2014
What price, good financial advice?
Financial advisers are still failing to make it clear how much they charge. It's one of the reasons that so many people don't take advice at all.
Blog
11 December 2014
A mis-selling or a mis-buying scandal in the annuity market?
The FCA has admitted that many people are stuck with annuities that don't meet their needs. Who should carry the can?
Blog
10 December 2014
The FCA’s £3.8m error
The FCA has revealed it spent an astonishing £3.8m on a review of what went wrong with its announcement about an inquiry into the closed book pensions sector.
Blog
9 December 2014
Time for transparency from comparison sites
Three of the four largest comparison sites are now owned by insurers. Greater transparency is needed to assuage concerns about the conflicts of interest
Blog
5 December 2014
Building societies plot a move to shake up the banking market
A group of small building societies are considering sharing resources so they can offer day to day banking services to their customers.