Andrew Seymour

Great to see an organisation taking such a pragmatic approach to introducing AI to reduce issue resolution time and costs. Worth a read for everyone, wherever you are with your digital transformation programme. #servicenow #AI #digitaltransformation #methods

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3 million UK households to see their mortgage payments increase in the next 24 months. Certainty is needed here and that can only happen with a long term fixed rate mortgage (whole lifetime) right? Lenders like Perenna are leading the way. Loan to income ratio seems to be the biggest barrier for this type of facility.

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Technology has had many false starts in our industry but in this short video, I talk about why I believe we are at a crucial interchange. We have to keep embracing new technologies to innovate for our customers, so that we change not just the mortgage experience but the end to end house buying journey. My biggest fear, is that if we don’t #collaborate and #innovate we stand to loose our right to help our customers Esther Dijkstra Amanda Bryden Leigh Church Andy Dean Laura Myers Chris #Technology #CloudComputing #OpenSourceCoding #GameChanger

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Helping businesses to meet their ambitions.

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There are many reasons you might want to survey your organisation, your customers, or your suppliers. Whatever your motivation and goals... careful planning, design, and execution is key to maximising the opportunity the investment affords. Sign up and join us on Thursday at 4pm (BST) for our short, insightful session on "How to deliver a successful survey project". (20 mins + Q&A)

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Great insight and reflections from Stephen Ainsworth on the ever changing landscape on A.I & digital transformation with mindset being key when approaching this transformation journey as business owners and leaders.

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Every strong economy relies on effective payments. The National Payments Vision therefore sets out the government’s ambitions for this vital sector, to achieve a trusted, world-leading payments ecosystem delivered on next generation technology, where consumers and businesses have a choice of payment methods to meet their needs. Almost 50 billion payments were made in the UK last year by consumers and businesses. That’s around 1500 transactions every second. But while most of us will keep a close eye on what we’re spending, we rarely need to give a second thought to how that payment is made. And that’s the way it should be. Payments – whether by cash, cheque, card or bank transfer – should just work. But there is a lot that goes on behind the scenes to deliver a seamless and trusted experience to consumers. The underlying infrastructure must be kept secure and resilient, with consumers protected if something goes wrong. It is vital that payment providers are incentivised to innovate to provide efficient and effective products and services. Recent years have seen huge changes in the way we pay, with the UK often leading the way globally. Mobile banking, contactless payments and digital wallets, for example, have dramatically increased convenience. And significant further technological developments are now on the horizon that offer huge potential for further innovation. These new technologies are likely to transform the way we pay for goods and services. I am determined to ensure that the UK is in a strong position to seize these opportunities – doing so will benefit users of these payment systems as well innovative firms across the financial services sector...  

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Every strong economy relies on effective payments. The National Payments Vision therefore sets out the government’s ambitions for this vital sector, to achieve a trusted, world-leading payments ecosystem delivered on next generation technology, where consumers and businesses have a choice of payment methods to meet their needs. Almost 50 billion payments were made in the UK last year by consumers and businesses. That’s around 1500 transactions every second. But while most of us will keep a close eye on what we’re spending, we rarely need to give a second thought to how that payment is made. And that’s the way it should be. Payments – whether by cash, cheque, card or bank transfer – should just work. But there is a lot that goes on behind the scenes to deliver a seamless and trusted experience to consumers. The underlying infrastructure must be kept secure and resilient, with consumers protected if something goes wrong. It is vital that payment providers are incentivised to innovate to provide efficient and effective products and services. Recent years have seen huge changes in the way we pay, with the UK often leading the way globally. Mobile banking, contactless payments and digital wallets, for example, have dramatically increased convenience. And significant further technological developments are now on the horizon that offer huge potential for further innovation. These new technologies are likely to transform the way we pay for goods and services. Determined to ensure that the UK is in a strong position to seize these opportunities – doing so will benefit users of these payment systems as well innovative firms across the financial services sector...

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An exciting piece of work released about the next frontier of payments in the UK. Read below for insights on where #openbanking-powered payments are headed

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Recovering troubled programmes 🔥 - At Axiologik, we work with many organisations to identify the struggles and problems within their transformation programmes. Check out 8 key areas and questions you can ask yourself to fully understand how your organisation is performing, changes you can make to improve, and how to achieve better outcomes. #digital #transformation #programme #delivery #recovery #axiologik

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Check out my blog below on how AI and open banking can protect the most vulnerable, change payment behaviour and reduce debt book.

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As you know, most of my posts over the last five years have directly or, indirectly included Open Banking/ Open Finance. As a part of #BirminghamTechWeek, I am truly delighted for us to be hosting SuperTech WM and Centre for Finance, Innovation and Technology (CFIT) and for Ellie Hewitt - our Payments and Open Banking expert to discuss 'What's Next'. #openbanking #openfinance

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The winners (UK households) and losers (UK corporates) according to the latest #OBR forecasts. Seen from a sector balances perspective, UK households (HH) are the relative winners in the latest official UK forecasts. Thanks to strong earnings growth and higher savings, the HH sector surplus is forecast to peak at 4.7% GDP in 3Q25. UK corporates (NFC) are the relative losers. The higher costs from the new National Insurance Contributions (NICs) in the Budget will squeeze NFC profit margins. The sector’s net borrowing/deficit is expected to peak at 2.6% GDP in 3Q26. Beyond that the OBR expects NFCs to pass on the cost of NICs to workers and to rebuild margins. The timing of absorbing the “NICs hit” versus passing the impact on is “interesting”! Business owners will you absorb or pass on immediately? #cmmacroperspectives #macrostrategy #UKSMEs #sectorbalances #chrismallinvistagechair

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fintech

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