Addressing peer-to-peer lending’s wafer-thin margins
Putting money into peer-to-peer (P2P) lending once seemed like a no-brainer. The original companies in the sector, including Zopa, carefully […]
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Hype, millions raised and failure: welcome to fintech
The emerging financial technology sector has big challenges to overcome Seldom has a warning seemed so prescient, so quickly. Last
Tax: how fear of reputational risk can drive real change
Not too long ago, the heads of tax at large multinational companies saw their jobs as bit of a game.
Race is on as tech shakes up capital markets
The main players in global capital markets – investment banks, asset managers and stock exchanges – collectively generate some $500
As Ross McEwan steps down as RBS CEO, Ian Fraser assesses the health of the bank he leaves behind
In light of the resignation of Ross McEwan, Chief Executive of the Royal Bank of Scotland, Ian Fraser — author
Five predictions for the future of money
When considering the future of money, a key trend across all developed economies is how cash is at risk of
Darling warns of ‘reckless’ no-deal Brexit
Former chancellor of the exchequer Alistair Darling has pointed to strong parallels between the banking crisis of 2007-09 and the crisis
Banks: when will our lily-livered politicians take on the banks
The trouble is that the Kirkcaldy and Cowdenbeath MP’s “comprehensive bank rescue plan” (he didn’t like calling it a bailout)
RBS, the FCA and the Treasury – Making it Happen
Her Majesty’s Treasury was in driver’s cab as SME customers of RBS / NatWest were driven to destruction The biggest
The next crisis
As the dust settled on the global financial crisis of 2008, just after many of the world’s largest banks and
Open banking is coming, but it’s taking its time
Born in a sea of hype on January 13, open banking has so far fallen short of delivering the promised financial revolution.
Alipay and WeChat pay are light years ahead
China’s two mobile payments giants, Alipay, an affiliate of the Chinese e-commerce group Alibaba, and WeChat Pay, owned by the messaging
Their greed cost us £45bn and left us on the brink of anarchy. So will RBS ever be able to pay us back?
Chancellor Alistair Darling was in Luxembourg for a meeting of European finance ministers when he was called out of the
Brexit’s impact on alternative investment funds
Brexit has been fraught for the alternative investment funds sector, which has assets under management of €5.9 trillion across Europe. The
AIFMD: how the Channel Islands lost an EU lifeline
The Channel Islands of Jersey and Guernsey were quick to recognise that the alternative investment fund managers directive (AIFMD), introduced
ESG investing: how it entered the mainstream
The term “late capitalism”, first used by German economist Werner Sombart in the early-1900s, is coming back into vogue. The phrase is
Royal Bank of Scotland: pain and punishment on the road to recovery
As the Treasury turns its attention to selling the taxpayers’ stake in Royal Bank of Scotland , IAN FRASER assesses
Lifestyle that means never having to say you’re sorry…
While RBS recruits graduates on £2,700 a year [in India], former boss Fred the Shred is currently managing on £342,500
Open banking fails to get consumer buy in
The UK’s open banking revolution got off to a somewhat slow and shaky start. Consumers remain largely in the dark,
Seven fintech platforms fuelling small business growth
01 Cashplus An established fintech business and online banking business that doesn’t like to shout from the rooftops, Cashplus offers
RBS executives still don’t get it
Now fat cats get bonuses of up to £30k… to probe scandal that unfolded on their watch Royal Bank of