One of the key questions we get asked in the first stages of client engagement is “How can we ensure our clients and staff remain engaged once the consultancy has finished?” Sustainable change can sometimes be an oxymoron, how often has a consultancy engagement finished and the same old behaviours and results begin to surface?...

As it stands, Behavioural Economics (BE) has created a feast of debate and discord within financial services around consumer protection, conduct risk and the application of social science to hard-core commercial strategy. The FCA have made it clear they wish to devise a blend of ‘hard and soft’ strategies that provides a more measured carrot and...

The Duck test implies that an unknown subject can be identified by observing that subjects habitual characteristics. One that is highly relevant, one would imagine to the ongoing debate about when is financial advice financial advice? In today’s final guidance 15-01, the FCA has clarified its position on what compromises as a personal recommendation and...

Business’s are now embracing and using social technology like no tomorrow. Attracting followers, likes and comments are now perceived as the key indicators for social media selling success. Yet it can look rather superficial on the face of it if all you are indeed amassing is a ‘nano-second’ appreciation of the services and products businesses...

At a recent conference the issues surrounding simplified advice arose and the key question that resonated was ‘Can it exist’? Likened to an Abominable Snowman, the industry seems to either be in awe or fear of this service proposition. Firstly lets get things clear there is no circumventing the suitability or client best interest rules....