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What is an APP Scam? Get ready to start hearing a lot more about APP (“Authorised Push Payment”) scams. APP is a type of fraud where someone is tricked into sending a payment to the account of a criminal. The UK government’s policy paper on APP last year said that these scams “have increased both…

Digital Transformation has been crucial to so many businesses over the last decade and continues to be one of the most important and active areas within Change & Transformation. Google Trends shows searches for the phrase increased over 1000% from 2009 to today. Digital integration in every walk of life means businesses must keep up…

When it comes to getting out of your comfort zone, it doesn’t get much more literal than throwing yourself out of a small aeroplane flying at 14,000 feet. Last weekend, that’s exactly what I did. Presented with the opportunity to skydive for a good cause, I decided this might be my best chance to try…

The average cost of a mortgage in the UK is the highest it’s been in 15 years. The average two-year fixed deal is up to 6.6%, and five-year deals are not far behind. One million people are going to have a mortgage bill rise of more than £500 by 2026. These are the headlines we’ve…

Earlier this month the FCA published their findings from a review of Fair Value frameworks. Fair Value is one of the 4 outcomes on which firms will be assessed under Consumer Duty when it comes into effect in July. To help establish the regulator’s expectations, the FCA is providing feedback based on organisations’ proposals. For…

IR35 is not changing in 2023. The government had announced plans to repeal off-payroll rules in April 2023, which would have moved responsibility for determining if a contract sits inside or outside IR35. These plans were rolled back shortly after their initial announcement in the September 2022 mini-budget. There will now be no changes to…

Kind Consultancy – The Year in Review 2022  As we head towards the end of the year, I wanted to take a look back at what 2022 has been like for both the recruitment world and for our clients in the Financial Services GRC space.  Regulations Most years we see different themes come to the…

It’s clear now, in the winter of 2022, that the cost of living crisis is real, and is not going away any time soon. A variety of complex, interlocking factors is driving up prices, with the increases hitting especially hard for household essentials and energy bills. Ofgem has said this week that energy firms are…

It’s a strange time in the Financial Services labour market. There are the fewest active candidates seeking jobs that we’ve seen in decades. With economic uncertainty, and a cost of living that is outpacing any increase in salaries, many people already in permanent positions are extremely cautious about moving. How should businesses respond to a…