by Ekrem Duman | Jul 27, 2026 | Banking, Fintech & Transfers, United Kingdom Finance & Fintech
⚡ TL;DRThe UK financial-advice market is relationship-led but increasingly consolidated. The FCA’s 2025 survey, published in April 2026, analysed responses from more than 4,100 firms and data on around 31,000 advisers. Responding firms advised more than 4.1 million...
by Ekrem Duman | Jul 27, 2026 | Banking, Fintech & Transfers, United Kingdom Finance & Fintech
⚡ TL;DRInvoice finance converts eligible business-to-business receivables into current liquidity. The provider advances against invoices, normally through a revolving availability calculation, then releases the balance—less fees and charges—when the customer pays....
by Ekrem Duman | Jul 27, 2026 | Banking, Fintech & Transfers, United Kingdom Finance & Fintech
⚡ TL;DRA robo-adviser is a delivery model, not a single UK regulatory category. One service may be execution-only, another may make a personal recommendation, and another may manage a portfolio on a discretionary mandate. The legal service determines whether...
by Ekrem Duman | Jul 27, 2026 | Banking, Fintech & Transfers, United Kingdom Finance & Fintech
⚡ TL;DRBuy Now Pay Later is a marketing description, not one legal category. The UK already regulated interest-bearing instalment credit; on 15 July 2026 the FCA also began regulating third-party Deferred Payment Credit, or DPC: interest-free credit repayable in no...
by Ekrem Duman | Jul 26, 2026 | Banking, Fintech & Transfers, United Kingdom Finance & Fintech
⚡ TL;DRRegTech is technology used by firms to interpret obligations, identify customers, screen sanctions, monitor transactions, surveil markets, manage evidence and submit regulatory data. SupTech is the corresponding use of data and technology by supervisors. The...
by Ekrem Duman | Jul 26, 2026 | Banking, Fintech & Transfers, United Kingdom Finance & Fintech
⚡ TL;DRA UK credit union is a member-owned, regulated deposit taker—not a charity, a payday lender or simply a small fintech. Membership is defined by an approved common bond, members normally govern on a one-member-one-vote basis, and savings fund loans to other...
