Money&Co. CEO Nicola Horlick has pointed to a substantial drop in Innovative Finance ISA (IFISA) inflows this years. She argues the Covid-19 crisis is a major contributor factor to the downturn. Nicola spoke to our friends at P2P Finance News, and we offer their accurate report of a recent interview as a reprise of Nicola’s […]
As times get tough, we have to innovate. Here’s a take on where we are and where we’re going: Money&Co. CEO, Nicola Horlick, explains the future as she sees it to our friends at P2P Finance News: The coronavirus crunch has made it harder to find small- and medium-sized enterprise (SME) loans that are “safe options” […]
The old saying goes that in the digital world if the product is free, the payment is you. Or your information, at least. The notion that personal data is valuable is becoming more widely understood. “Behavioural biometrics” – the way we interact with our devices – are set to replace passwords in online finance, according […]
Money&Co. chief Nicola Horlick has warned of a tough year for SMEs and the direct lending sector, as the Bank of England predicts the deepest recession on record due to the pandemic. She spoke recently on the topic to the trade press. Our friends at P2P Finance News carry the story: City superwoman Horlick told Peer2Peer […]
These are turbulent times. We note with interest – and approval – the comments from some distinguished operatives in the equity markets. There’s a clamour in some quarter for a complete change of attitude on behalf of the regulatory authorities, who have already suspended a controversial rule more fitted to times of low volatility in […]
As yet, the long-term effects on the global economy are difficult to predict. The knock-ons, though, are easier to see. There have already been a series of brutal short-term hits to the travel (notably airlines) and leisure industries. The number of pubs in the UK was already on the wane; smaller, weaker airlines such as […]
Global equity markets have had a very good run, but we are clearly entering difficult times for mainstream investment channels. Regular readers will know that we have strong reservations about the way mainstream finance has rushed to invest – or should that be “throw money”? – at the alternative-finance sector. Source: Siblis Research The major […]
Ahead of the “ISA season” – aka the frenzy to invest before the end of the tax year on 5th April, we offer the final instalment of our review of platform lending. Below we look at the major similarities and differences between Innovative Finance Individual Savings Accounts and (IFISAs), which allow investors to hold platform […]
The latter part of 2019 has seen, quite rightly, a greater focus on the regulation of process and enhancing transparency requirements in the sector following the failure of peer-to-peer (P2P) platforms such as Lendy. Lendy’s failure was linked – completely unfairly – with a number of problems experienced by investors in unregulated investments, notably mini-bonds. […]
Call it platform lending, marketplace lending or peer-to-peer (P2P) lending, the loans facilitated in our sector are a new asset class. The novelty of platform lending has contributed to a classic case of the syndrome known as fear of the unknown. There have been some high-profile failures in the sector. The lesson we’ve learned from […]