Lending money is a process that has long been around and for many years it was left undisrupted. People are very familiar now with credit scores and the idea that to get credit you need credit. New solutions and technologies are coming to disrupt this mar

By Now Pay Later is not something new. Offline, it’s a process that goes back several decades. Online we’ve started to see offers develop in the last 10 years with a real acceleration powered by fintech innovation in the last 5 years. In the UK this marke

On November 10th, 2022, the Digital Operational Resilience Act (DORA) was approved by the EU. It is designed to standardise IT risk requirements in the financial sector to ensure that all participants of the financial system are subject to a common set of

In this special episode with speak with David Tracy, Head of Data Science, at Smart Data Foundry on the week they presented their new Aisle proposition at Innovate Finance Global Summit. What is synthetic data is? How is it different from real-world data

Scaling up a fintech business is a crucial part of a company’s life, moving from launching and validating a proposition to growing, onboarding clients and driving revenue. At that stage companies will focus on marketing, sales, recruitment which are all i

In July 2022, the FCA published its Consumer Duty. Regulated firms need to implement the new rules by the end of July 2023 for open products and July 2024 for closed books of business. Firms will need to review their products, communications and customer

When thinking about payroll generally most people would assume that it is something that works well. You work, you get paid. However, payroll is being disrupted like never before. According to software company Intuit, one in four workers say they have had

The FinTech Scotland Research and Innovation Roadmap highlighted the growing focus on climate considerations for the financial services sector. Whilst this is in part driven by consumers, demanding better transparency for the products they invest in, this

The fintech sector is growing at pace with more and more entrepreneurs launching their own innovative firm. Whilst starting a new company can be difficult, scaling one to the next stage isn’t any easier and comes with its own challenges. What makes a star

Fintech innovation is powered by data. New solutions appear every day, always consuming new data to develop new services to help people and organisations deal with money. Innovators are constantly in search for new data sources. The Scottish space sector