Failure to provide a process that is as robust and evolved as current systems could result in a worse end-to-end journey and higher prices.
The FCA is making some encouraging noises but only time will tell if it has successfully learnt from the mistakes of the FSA
It is unfortunate that exam creators continue to regard MPT as holy writ.
The FCA has banned the promotion of Ucis to retail clients but it will be maintaining its scrutiny of novel investment structures
The recent Finovate conference demonstrated some of the most interesting innovation in financial services coming out of the US.
Internal squabbles hurts the wider perception of the adviser market.
Unregulated investment schemes will continue to be a blight on the industry despite the FCA’s attempts to crack down
There are many criticisms of the Government’s mortgage scheme but there are few workable alternatives
Staff have every right to expect pension contributions to be met.
Despite IFAs receiving comparatively few complaints, advisers are being undermined by a regulator which allows the perception of widespread misselling to continue
Default funds can work but understanding investment is key.
Difficult decisions may have to be made in terms of concentration of resources.
Non-advised sales have their place but certain areas, such as annuity purchases, could see very poor outcomes for consumers.
When it comes to technology it is less a case of ‘adapt to survive’ than ‘adopt to survive’.
The re-branding of the the regular is an example of what happens when you spend other people’s money.
Build smart solutions that match customers’ very simple needs.
Conservative MEP Vicky Ford starts the ball rolling with calls for specific reforms.
It is still early days but the latest figures are backing the general perception that the mortgage market has turned the corner.
It is not unusual to get freedom of information requests knocked back.
A divided profession means trade bodies don’t have the influence they once had.
Us equities have had the best 2012, with Europe still lagging behind.