Future Finance 4 All
Lead Research Organisation:
University of Bristol
Department Name: Management
Abstract
Future Finance 4 All, led by the University of Bristol, will take a mission led approach to accelerate innovation adoption in Mid-Tier organisations and small and medium-sized enterprises (SME), in the UK Financial Services (FS) Sector across the four UK home nations. The focus of this partnership is to enhance the sector's productivity and global competitiveness. To achieve this, we will develop an understanding, from a social science perspective, of the drivers and obstacles to innovation uptake in this target group. We will then put in place a mission-oriented approach that leverages both leading social science research and experience in supporting SME innovation adoption to inform the development of an innovation adoption accelerator. The accelerator will be delivered over three phases, Phase 1-Local, Phase 2-Regional, Phase 3-National. Working with partners, including policy makers, industry and community organisations, the accelerator will help us overcome obstacles and drive innovation adoption across UK regional FS clusters. This will overcome the market failures that are holding back innovation uptake, unlocking productivity and levelling benefits across the UK regions.
The accelerator will also enable us to also tackle societal challenges around responsible access and uptake of FS for underserved communities, individuals and companies. This will lead to the development of new bespoke products and services, which the Mid-Tier organisations and SMEs, which are the accelerator's focus, could then exploit. This potential 'market making opportunity' for new FS product and service innovation could have relevance in both UK and global markets that share similar inclusion challenges.
The innovation accelerator activities will facilitate networking and partnerships between social science experts and the financial services community through innovator pathway fellows', drawn from high potential early career researchers. Building on our partnership's research base and expertise supporting innovation clusters, we will then deliver a rolling collaborative challenge programme that brings together industry, academic and social insights to explore and address barriers to innovation adoption. Through a rolling programme and digital platform the challenge programme outputs will inform the development of specific interventions for FS firms and stakeholders to enable them to gain the skills and capabilities to innovate. To maximise engagement and efficiency the innovation skill & training Programme will be delivered in scalable hybrid format and include peer-to-peer learning.
Foundational to the Programme will be a focus on inclusive growth and diversifying the talent pipeline, addressing key findings from the 2022 UoB-led FinTech report, Kalifa Review, cross-sector surveys (EY and Innovate Finance, 2022), and sector-wide consultations.
The accelerator will support the creation of habit-forming behaviour change through the exploitation of the Quadruple Helix model that brings universities, underserved communities, industry (including the sector's charities and not for profit players) and government to:
Better connect key actors across the FS sector to overcome fragmentations, this will build new skills and capabilities within the partners and the project team.
Ensure that the voices of underserved communities, individuals and companies are heard and reflected in the tangible delivery of new, or enhanced, FS products and services.
Stimulate and support industry to prioritise innovation investment.
Provide pathways, and practical solutions, to enable innovation uptake, including digital innovation, that enhances the productivity of mid-tier FS organisations and SMEs. A key project output will the measurement of these productive gains and their impact on the organisations that we support, and how this will contribute towards UK regional levelling up by unlocking a broad spectrum of organisational, economic and social benefits
The accelerator will also enable us to also tackle societal challenges around responsible access and uptake of FS for underserved communities, individuals and companies. This will lead to the development of new bespoke products and services, which the Mid-Tier organisations and SMEs, which are the accelerator's focus, could then exploit. This potential 'market making opportunity' for new FS product and service innovation could have relevance in both UK and global markets that share similar inclusion challenges.
The innovation accelerator activities will facilitate networking and partnerships between social science experts and the financial services community through innovator pathway fellows', drawn from high potential early career researchers. Building on our partnership's research base and expertise supporting innovation clusters, we will then deliver a rolling collaborative challenge programme that brings together industry, academic and social insights to explore and address barriers to innovation adoption. Through a rolling programme and digital platform the challenge programme outputs will inform the development of specific interventions for FS firms and stakeholders to enable them to gain the skills and capabilities to innovate. To maximise engagement and efficiency the innovation skill & training Programme will be delivered in scalable hybrid format and include peer-to-peer learning.
Foundational to the Programme will be a focus on inclusive growth and diversifying the talent pipeline, addressing key findings from the 2022 UoB-led FinTech report, Kalifa Review, cross-sector surveys (EY and Innovate Finance, 2022), and sector-wide consultations.
The accelerator will support the creation of habit-forming behaviour change through the exploitation of the Quadruple Helix model that brings universities, underserved communities, industry (including the sector's charities and not for profit players) and government to:
Better connect key actors across the FS sector to overcome fragmentations, this will build new skills and capabilities within the partners and the project team.
Ensure that the voices of underserved communities, individuals and companies are heard and reflected in the tangible delivery of new, or enhanced, FS products and services.
Stimulate and support industry to prioritise innovation investment.
Provide pathways, and practical solutions, to enable innovation uptake, including digital innovation, that enhances the productivity of mid-tier FS organisations and SMEs. A key project output will the measurement of these productive gains and their impact on the organisations that we support, and how this will contribute towards UK regional levelling up by unlocking a broad spectrum of organisational, economic and social benefits
Organisations
- University of Bristol (Lead Research Organisation)
- BehindLogin (Collaboration)
- Deloitte Touche Tohmatsu (Collaboration)
- Sage UK Limited (Collaboration)
- SETsquared Partnership (Collaboration, Project Partner)
- University of the West of England (Collaboration)
- Great Western Credit Union (Project Partner)
- Hargreaves Lansdown (Project Partner)
- Deloitte UK (Project Partner)
- SPARK South West Ltd (Project Partner)
- Seccl Technology Limited (Project Partner)
- Tramshed Tech Ltd (Project Partner)
- NatWest Group (Project Partner)
- Burges Salmon LLP (Project Partner)
- Ethical Equity (Project Partner)
- Fin Tech Scotland (Project Partner)
- FinTech North (Project Partner)
| Description | City of London Corporation |
| Geographic Reach | National |
| Policy Influence Type | Participation in a guidance/advisory committee |
| URL | https://www.cityoflondon.gov.uk/about-us/about-the-city-of-london-corporation/lord-mayor/growth-unle... |
| Description | FCA Financial Inclusion TechSprint |
| Geographic Reach | National |
| Policy Influence Type | Participation in a guidance/advisory committee |
| Impact | Exploring the challenges related to the implementation of both the Consumer Duty regulation, and the upcoming Targeted Support and Buy-Now-Pay-Later regulations. |
| URL | https://www.fca.org.uk/firms/techsprints/financial-inclusion-techsprint |
| Title | Collaborative Challenge Programme |
| Description | The Collaborative Challenge Programme has been a method of in-depth industry engagement across a series of key research topics. The programme follows a unique methodology, facilitated by both academics and industry experts, combining 'double-diamond' concepts with academic approaches to innovation and applies this to challenges in the financial services sector that have not been viewed through this lens. |
| Type Of Material | Improvements to research infrastructure |
| Year Produced | 2024 |
| Provided To Others? | No |
| Impact | The development of a national fraud consortium that are campaigning for the development of shared fraud services for adoption by Credit Unions and other smaller financial services who cannot invest in fraud prevention software. The development of a business case to be pitched to a financial service software provider for the development of bespoke fraud prevention software that protects vulnerable consumers. |
| Title | Innovation Potential Diagnostic |
| Description | An online assessment has been developed to collate insights across the wider financial services sector to understand, on a subsector level, the capacity and capability for innovation. The research tool automatically collates and categorises responses by subsector and provides insights into individual capabilities. The tool also automatically signposts participating organisations to further support and research they can engage with that directly relate to their responses. The tool enables research participants to: - Uncover Personal Innovation Barriers: Identify areas where your organisation's practices can improve by benchmarking against industry standards and leading academic insights. - Receive Strategic Insights: Gain actionable recommendations tailored to your specific needs, helping you align your innovation strategies with the latest trends and best practices. - Access Recommended Training & Support: Understand and implementing cutting-edge techniques that drive growth and efficiency in financial services through training and support. - Boost Organisational Performance: Foster a culture of continuous improvement and exploration. Enabling productivity and performance within your organisation to be enhanced through new techniques or tools. - Make Data-Driven Decisions: Utilise the comprehensive report from our diagnostic tool to make informed, data-backed decisions that propel your firm's journey forward. |
| Type Of Material | Improvements to research infrastructure |
| Year Produced | 2024 |
| Provided To Others? | Yes |
| Impact | The tool has enabled the research team to prioritise areas for further exploration in relation to the social science perspectives and capabilities of financial service firms to adopt innovation. |
| URL | https://innovation.future-finance.tech/ |
| Description | Future Finance Steering Group |
| Organisation | BehindLogin |
| Country | United Kingdom |
| Sector | Private |
| PI Contribution | Academic, non-academic co-i and Project Manager time has been spent with the company to understand their challenges in relation to the adoption of Financial Technologies through the delivery of a partner focused event. All partners engaging with the Steering & Advisory Groups were invited to this event alongside some other businesses. Through the discussion of challenges and possible future support measures and outcomes built through Future Finance, we have ensured that companies will continue to engage with the programme for the benefit of their company, their staff and their customers in the future. |
| Collaborator Contribution | To date (March 2025), we have been given 4-days of senior employee time to conduct some early stage research into the barriers facing their organisation and their customer base from the below companies. These companies have also committed to giving access to their networks and providing event space for delivery of Steering Group/Advisory Activity: - Great Western Credit Union (CEO) - Burges Salmon (Partner) - Hargreaves Lansdown (Senior Analyst) - Fintech Wales (CEO) - Deloitte (Regional Lead) In addition the below partners have committed to attending one quarterly Steering Group or Advisory board meeting for 2-hours. The first of which has taken place in March 2024. - The Investing & Savings Alliance - Deloitte - TechSPARK - Natwest - Sage - University of the West of England - SETsquared Partnership - The Institute for Financial Wellbeing - West of England Combined Authority - Lumio - BehindLogin |
| Impact | Collaboration & partnerships. A formal working group, expert panel or dialogue. Event, workshop or similar. Use of facilities & resources. Disciplines: Business & Management Georgraphical Sciences Computer Science & Technology |
| Start Year | 2023 |
| Description | Future Finance Steering Group |
| Organisation | Deloitte Touche Tohmatsu |
| Department | Deloitte, UK |
| Country | United Kingdom |
| Sector | Private |
| PI Contribution | Academic, non-academic co-i and Project Manager time has been spent with the company to understand their challenges in relation to the adoption of Financial Technologies through the delivery of a partner focused event. All partners engaging with the Steering & Advisory Groups were invited to this event alongside some other businesses. Through the discussion of challenges and possible future support measures and outcomes built through Future Finance, we have ensured that companies will continue to engage with the programme for the benefit of their company, their staff and their customers in the future. |
| Collaborator Contribution | To date (March 2025), we have been given 4-days of senior employee time to conduct some early stage research into the barriers facing their organisation and their customer base from the below companies. These companies have also committed to giving access to their networks and providing event space for delivery of Steering Group/Advisory Activity: - Great Western Credit Union (CEO) - Burges Salmon (Partner) - Hargreaves Lansdown (Senior Analyst) - Fintech Wales (CEO) - Deloitte (Regional Lead) In addition the below partners have committed to attending one quarterly Steering Group or Advisory board meeting for 2-hours. The first of which has taken place in March 2024. - The Investing & Savings Alliance - Deloitte - TechSPARK - Natwest - Sage - University of the West of England - SETsquared Partnership - The Institute for Financial Wellbeing - West of England Combined Authority - Lumio - BehindLogin |
| Impact | Collaboration & partnerships. A formal working group, expert panel or dialogue. Event, workshop or similar. Use of facilities & resources. Disciplines: Business & Management Georgraphical Sciences Computer Science & Technology |
| Start Year | 2023 |
| Description | Future Finance Steering Group |
| Organisation | SETsquared Partnership |
| Country | United Kingdom |
| Sector | Charity/Non Profit |
| PI Contribution | Academic, non-academic co-i and Project Manager time has been spent with the company to understand their challenges in relation to the adoption of Financial Technologies through the delivery of a partner focused event. All partners engaging with the Steering & Advisory Groups were invited to this event alongside some other businesses. Through the discussion of challenges and possible future support measures and outcomes built through Future Finance, we have ensured that companies will continue to engage with the programme for the benefit of their company, their staff and their customers in the future. |
| Collaborator Contribution | To date (March 2025), we have been given 4-days of senior employee time to conduct some early stage research into the barriers facing their organisation and their customer base from the below companies. These companies have also committed to giving access to their networks and providing event space for delivery of Steering Group/Advisory Activity: - Great Western Credit Union (CEO) - Burges Salmon (Partner) - Hargreaves Lansdown (Senior Analyst) - Fintech Wales (CEO) - Deloitte (Regional Lead) In addition the below partners have committed to attending one quarterly Steering Group or Advisory board meeting for 2-hours. The first of which has taken place in March 2024. - The Investing & Savings Alliance - Deloitte - TechSPARK - Natwest - Sage - University of the West of England - SETsquared Partnership - The Institute for Financial Wellbeing - West of England Combined Authority - Lumio - BehindLogin |
| Impact | Collaboration & partnerships. A formal working group, expert panel or dialogue. Event, workshop or similar. Use of facilities & resources. Disciplines: Business & Management Georgraphical Sciences Computer Science & Technology |
| Start Year | 2023 |
| Description | Future Finance Steering Group |
| Organisation | Sage UK Limited |
| Country | United Kingdom |
| Sector | Private |
| PI Contribution | Academic, non-academic co-i and Project Manager time has been spent with the company to understand their challenges in relation to the adoption of Financial Technologies through the delivery of a partner focused event. All partners engaging with the Steering & Advisory Groups were invited to this event alongside some other businesses. Through the discussion of challenges and possible future support measures and outcomes built through Future Finance, we have ensured that companies will continue to engage with the programme for the benefit of their company, their staff and their customers in the future. |
| Collaborator Contribution | To date (March 2025), we have been given 4-days of senior employee time to conduct some early stage research into the barriers facing their organisation and their customer base from the below companies. These companies have also committed to giving access to their networks and providing event space for delivery of Steering Group/Advisory Activity: - Great Western Credit Union (CEO) - Burges Salmon (Partner) - Hargreaves Lansdown (Senior Analyst) - Fintech Wales (CEO) - Deloitte (Regional Lead) In addition the below partners have committed to attending one quarterly Steering Group or Advisory board meeting for 2-hours. The first of which has taken place in March 2024. - The Investing & Savings Alliance - Deloitte - TechSPARK - Natwest - Sage - University of the West of England - SETsquared Partnership - The Institute for Financial Wellbeing - West of England Combined Authority - Lumio - BehindLogin |
| Impact | Collaboration & partnerships. A formal working group, expert panel or dialogue. Event, workshop or similar. Use of facilities & resources. Disciplines: Business & Management Georgraphical Sciences Computer Science & Technology |
| Start Year | 2023 |
| Description | Future Finance Steering Group |
| Organisation | University of the West of England |
| Country | United Kingdom |
| Sector | Academic/University |
| PI Contribution | Academic, non-academic co-i and Project Manager time has been spent with the company to understand their challenges in relation to the adoption of Financial Technologies through the delivery of a partner focused event. All partners engaging with the Steering & Advisory Groups were invited to this event alongside some other businesses. Through the discussion of challenges and possible future support measures and outcomes built through Future Finance, we have ensured that companies will continue to engage with the programme for the benefit of their company, their staff and their customers in the future. |
| Collaborator Contribution | To date (March 2025), we have been given 4-days of senior employee time to conduct some early stage research into the barriers facing their organisation and their customer base from the below companies. These companies have also committed to giving access to their networks and providing event space for delivery of Steering Group/Advisory Activity: - Great Western Credit Union (CEO) - Burges Salmon (Partner) - Hargreaves Lansdown (Senior Analyst) - Fintech Wales (CEO) - Deloitte (Regional Lead) In addition the below partners have committed to attending one quarterly Steering Group or Advisory board meeting for 2-hours. The first of which has taken place in March 2024. - The Investing & Savings Alliance - Deloitte - TechSPARK - Natwest - Sage - University of the West of England - SETsquared Partnership - The Institute for Financial Wellbeing - West of England Combined Authority - Lumio - BehindLogin |
| Impact | Collaboration & partnerships. A formal working group, expert panel or dialogue. Event, workshop or similar. Use of facilities & resources. Disciplines: Business & Management Georgraphical Sciences Computer Science & Technology |
| Start Year | 2023 |
| Description | "FinTech Wales Networking Breakfast: Introducing Future Finance Delivered in collaboration with FinTech Wales" |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | Regional |
| Primary Audience | Industry/Business |
| Results and Impact | Outreach event, introducing Future Finance is the Welsh fintech and financial service ecosystem. Talk about the benefits of joining the Future Finance membership provided by Jack Stanbury, Senior PM. Leads from event converted to members as a result of follow up conversations. |
| Year(s) Of Engagement Activity | 2024 |
| URL | https://www.eventbrite.co.uk/e/fintech-wales-networking-breakfast-tickets-959283892947 |
| Description | "Financial Advice - Profiting from Digital Innovation Delivered in collaboration with FinTech West" |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | Regional |
| Primary Audience | Industry/Business |
| Results and Impact | Outreach event targeting independent financial advisors - showcasing x3 fintech products aimed at his subsector (PlannerPal, Posterity Finance, KinHerit), skill sharing RE applying generative AI, knowledges haring RE Behind Login report, signposting to FF resources and support. Introduction to Future Finance provided by Jack Stanbury, Senior PM & Jonathan Beaverstock, Principle Investigator. Interest raised in Future Finance initiatives as a result. |
| Year(s) Of Engagement Activity | 2024 |
| URL | https://www.eventbrite.co.uk/e/financial-advice-profiting-from-digital-innovation-tickets-9176706666... |
| Description | "Fraud Prevention for FinTechs Delivered in collaboration with FinTech Wales" |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | Regional |
| Primary Audience | Industry/Business |
| Results and Impact | Presentation Jack Stanbury, Senior PM, showcasing Future Finance opportunities to attendees Welsh FinTech ecosystem. Followed by a panel discussion exploring: emerging threats in the fintech sector and how to stay ahead; how cutting-edge tools like AI and machine learning are revolutionising fraud prevention; the unintended impact of fraud prevention measures on underserved communities; the value of collaboration across the fintech ecosystem to combat fraud; empowering customers to spot and avoid scams with confidence. Attendees reported interest in engaging in Future Finance initiatives and attending similar knowledge sharing events. |
| Year(s) Of Engagement Activity | 2024 |
| Description | "Innovation for Insurance Brokers Delivered in collaboration with FinTech West" |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | Regional |
| Primary Audience | Industry/Business |
| Results and Impact | Event showcasing support available to insurers through SW ecosystem - speakers from Future Finance (Jack Stanbury & Jonathan Beaverstock, providing an overview of support available to insurance brokers through FF), FinTech West & Deloitte. Followed by talks by industry professionals: Simmcox Brokers highlighted the growing demand for cyber insurance and the need for greater clarity around coverage options; Vounder Analytics explored how brokers can transform data into a powerful assets. |
| Year(s) Of Engagement Activity | 2024 |
| URL | https://www.eventbrite.co.uk/e/innovation-for-insurance-brokers-tickets-1037800417987 |
| Description | "Innovation in Credit Unions Delivered in collaboration with FinTech West & Great Western Credit Union" |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | Outreach event to raise awareness of potential benefits of digital transformation in credit unions, and realities of implementation. Case study of digital transformation in Great Western Credit Union delivered by James Berry. Overview of Future Finance provided by industry co-I Stuart Harrison (summary of support available through FF and signposting to apply). Interest raised in FF activities as a result, with attendees converting to members and joining the Innovation Leadership Programme. |
| Year(s) Of Engagement Activity | 2024 |
| URL | https://events.humanitix.com/future-finance-credit-union-webinar |
| Description | "Innovation in Insurance Delivered in collaboration with FinTech Wales" |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | Regional |
| Primary Audience | Industry/Business |
| Results and Impact | Presentation by Jack Stanbury, Future Finance Senior PM, about Future Finance to attendees Welsh FinTech ecosystem. Followed by a panel discussion exploring: Emerging technologies driving change in the insurance sector (e.g., AI, blockchain, IoT); enhancing customer engagement and personalisation through digital solutions; strategies for overcoming challenges in adopting innovative practices; the role of regulation in fostering or hindering innovation; predictions for the future of insurance: key trends to watch. Interest from attendees in engaging with Future Finance initiatives. |
| Year(s) Of Engagement Activity | 2025 |
| URL | https://www.eventbrite.co.uk/e/innovation-in-insurance-tickets-1203663773749 |
| Description | AdviceTech Event (Scotland) |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | Local |
| Primary Audience | Industry/Business |
| Results and Impact | Gathering insights on on available technologies that were included on our whitepapers produced for the sector. Furthermore, the event was an opportunity to promote Future Finance to a FinTech and financial adviser audience. |
| Year(s) Of Engagement Activity | 2024 |
| URL | https://thelangcat.co.uk/event/advicetech-catwalk/ |
| Description | CCP Full Run: Consumer Harm - Proactive Fraud Prevention |
| Form Of Engagement Activity | A formal working group, expert panel or dialogue |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | Collaborative Challenge Programme exploring: "Unlocking technology to enable proactive prevention of fraud for small FIs (banks, building societies, credit unions) and their customers.". Outputs - First steps taken toward forming a consortium of credit unions, to support proactive fraud prevention in this subsector; Building a business case to engage tech providers in fraud prevention software for vulnerable customers. |
| Year(s) Of Engagement Activity | 2024 |
| Description | CCP Full Run: Credit unions and BNPL Technonologies |
| Form Of Engagement Activity | A formal working group, expert panel or dialogue |
| Part Of Official Scheme? | No |
| Geographic Reach | Local |
| Primary Audience | Industry/Business |
| Results and Impact | Collaborative Challenge Programme workshop series on the brief: "Investigating the implications of BNPL on credit unions and small lenders, and how to respond.", lead by University of Glasgow and attended by stakeholders in the credit union sector. Outputs pending - final workshop to take place March 2025. While still running, there has been an engaged discussion, and interest in exploring topics through further workshop activity. |
| Year(s) Of Engagement Activity | 2024 |
| Description | CCP Full Run: Harnessing generative AI for IFAs |
| Form Of Engagement Activity | A formal working group, expert panel or dialogue |
| Part Of Official Scheme? | No |
| Geographic Reach | Regional |
| Primary Audience | Industry/Business |
| Results and Impact | Collaborative Challenge Programme exploring: 'Harnessing generative AI to support personalised and cost-efficient advice services for individuals with diverse needs and those under served by current financial advice'. Pilot run - established programme delivery format, playbook for future facilitators, engaged stakeholders in topic and generated ideas for a shorter, 3-day workshop series focused on practical actions toward: 'Unlocking the barriers for financial advisors to adopt AI in business as usual' |
| Year(s) Of Engagement Activity | 2024 |
| Description | CCP Full Run: Women founders' access to finance |
| Form Of Engagement Activity | A formal working group, expert panel or dialogue |
| Part Of Official Scheme? | No |
| Geographic Reach | Local |
| Primary Audience | Industry/Business |
| Results and Impact | Collaborative Challenge Programme exploring: "How can financial institutions reimagine their products and services to better address the unique challenges and opportunities faced by female founders?". Currently using findings from these workshops to formulate a response to Women and Equalities Committee inquiry into female entrepreneurship. Further proposed next steps: 1) A Dashboard bringing together collective data from across Financial Institutions signed up to the Investing in Women Code (potentially others in future). The dashboard could include Diversity, Equity and Inclusion data, Representation metrics (e.g. senior leadership team), and information from the Gender Index. 2) A Finance Index ranking Financial Institutions based on metrics included in the Dashboard. Other metrics should be led by research & validation with women entrepreneurs - who do they trust & why? 3) Marketing guidelines and training for Financial Institutions. Based on research and validation exercises and potentially using the Buffer social media tool. |
| Year(s) Of Engagement Activity | 2024 |
| Description | CHASM Symposium |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | Symposium discussing the gender wealth gap: causes, consequences and solutions. Relevant to research activity being undertaken by Future Finance was dissemenated and discussed at the event. |
| Year(s) Of Engagement Activity | 2024 |
| Description | Community Research Workshop Series |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | Local |
| Primary Audience | Other audiences |
| Results and Impact | Series of workshops gathering feedback from underserved financial service consumers to inform WP1.1 Community research strand insights. Various stakeholder groups engaged - Finances for Young People; Finances for NFP organisations from underserved communities; Finances for consumers; Finances for small businesses. Series lead by Urfan Ali, an experienced community consultant and advisor, and Sharon Collard, Future Finance academic co-I. |
| Year(s) Of Engagement Activity | 2024 |
| Description | Discovery Workshop: Pilot |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | Local |
| Primary Audience | Industry/Business |
| Results and Impact | Two day workshop, aiming to support businesses to map out a full end to end view of how they attract, acquire, deliver value to and retain customers. Outputs = identifying challenges, ideating innovation opportunities within the process, producing clear view of activity (framed as a time-boxed and tracked experiment) that can be run to de-risk innovation. Insights into running future workshops gained, including maximising attendance by moving to online delivery format to allow UK-wide engagement for each workshop, rather than delivering locally to each region. |
| Year(s) Of Engagement Activity | 2024 |
| URL | https://events.humanitix.com/future-finance-customer-lifecycle-and-innovation-experiments-workshop |
| Description | EY Fintech Lab |
| Form Of Engagement Activity | A formal working group, expert panel or dialogue |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | Future Finance PI and Project Manager met with EY in their Canary Wharf headquarters to discuss Future Finance and the EY Fintech Lab. A group of key representatives of EY were engaged to have a long discussion around the design of the programme and where the commonalities and potential areas for collaboration were between the two programmes. Significant interest from EY in the design and delivery of Future Finance and how it can work alongside the Fintech Lab. We have planned to develop network sharing and building activities along with engaging some of the EY specific researchers in Future Finance Activity. |
| Year(s) Of Engagement Activity | 2024 |
| URL | https://www.ey.com/en_uk/financial-services/ey-fintech-lab |
| Description | Financial Advice & Wealth Management Whitepaper |
| Form Of Engagement Activity | A magazine, newsletter or online publication |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | The production of a whitepaper that informs Financial Advisers and Wealth Managers of the innovations and technologies that are disrupting their sector, with specific guidance on how to explore implementation. This whitepaper was launched at an event in Glasgow and a further event in Bristol to a combined total of 50 attendees. |
| Year(s) Of Engagement Activity | 2024 |
| Description | Fintech Talent Showcase |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | Regional |
| Primary Audience | Industry/Business |
| Results and Impact | Future Finance project was presented to an audience made up of Fintech students and experts, and individuals involved within the industry. The discussions revolved around existing research into financial technologies and the emerging trends that the Future Finance project will look to address. |
| Year(s) Of Engagement Activity | 2023 |
| URL | https://www.eventbrite.co.uk/e/the-second-annual-fintech-talent-showcase-tickets-688731894637?aff=er... |
| Description | Fintech West Annual Conference |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | Regional |
| Primary Audience | Industry/Business |
| Results and Impact | Future Finance was presented to a large audience as part of a wider conference on Financial Technologies. There was an opportunity to discuss with a very engaged industry audience on the design of the project and hear about perspectives about areas of focus for the project. |
| Year(s) Of Engagement Activity | 2023 |
| URL | https://www.fintechwest.co.uk/news/fintech-west-annual-conference-2023 |
| Description | Future Finance Partner Event |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | All project partners and a select group of industry experts were invited to come and discuss the biggest challenges facing the financial services sector and to support with the design and development of the Future Finance accelerator. There were presentations, breakout groups and focus group discussions, panel discussions and planning activity all specifically focused on Future Finance and to embed the industry thoughts and feedback into the programme. |
| Year(s) Of Engagement Activity | 2023 |
| Description | Future Finance: Breakfast Briefing |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | Local |
| Primary Audience | Industry/Business |
| Results and Impact | Outreach to partners, accelerator delivery team and current & potential accelerator and research participants - based in Glasgow. Disseminating research findings from 'Tech Analysis Report: Financial Advice & Wealth Management'. Interest raised in ongoing Future Finance activities as a result. |
| Year(s) Of Engagement Activity | 2024 |
| URL | https://events.humanitix.com/future-finance-glasgow-launch |
| Description | Future Finance: Exchange |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | Local |
| Primary Audience | Industry/Business |
| Results and Impact | Outreach to partners, accelerator delivery team and current & potential accelerator and research participants - based in Bristol. Disseminating research findings from 'Tech Analysis Report: Financial Advice & Wealth Management'. Interest raised in ongoing Future Finance activities as a result. |
| Year(s) Of Engagement Activity | 2024 |
| URL | https://events.humanitix.com/future-finance-connect |
| Description | Future Finance: Exchange - Innovation for Credit Unions |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | Regional |
| Primary Audience | Industry/Business |
| Results and Impact | Panel event discussing the Tech Analysis Report: 'Challenges & Opportunities for Credit Unions'. Introduction to Future Finance provided by Jack Stanbury, Senior PM. Event also included academic insights on sustainable and values-led finance, industry perspective from the credit union sector, & FinTech perspective highlighting how technology empowers ethical lenders to expand their reach and impact and drive operational excellence. Attendees reported increased motivation to adopt innovations in their firms, citing helpful learnings from the days discussions. |
| Year(s) Of Engagement Activity | 2024 |
| URL | https://events.humanitix.com/future-finance-exchange |
| Description | Gender Index Roadshow |
| Form Of Engagement Activity | A formal working group, expert panel or dialogue |
| Part Of Official Scheme? | No |
| Geographic Reach | Regional |
| Primary Audience | Industry/Business |
| Results and Impact | Highlighting key findings from The Gender Index's latest report, including the progress, challenges and opportunities for female entrepreneurs across the UK and specifically in the South West. Panelists in the discussion from Future Finance research team, contributing insights to inform the implementation of recommendations to government about gender divides within financial services. |
| Year(s) Of Engagement Activity | 2024 |
| URL | https://www.thegenderindex.co.uk/ |
| Description | Glasgow Event - Building the Accelerator |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | 10 industry professionals attended an event in Glasgow and remotely from Bristol to talk through their own challenges in relation to Financial Services and to discuss the design of the Future Finance Accelerator. The day was very discussion led, covering topics that are vital to the design of research and business support activity. The group reported significant interest in engaging with the programme moving forwards and as a consequence our project design has shifted to focus on more specific subsectors within financial services. |
| Year(s) Of Engagement Activity | 2024 |
| Description | Innovation Leadership Programme: Cohort Calls |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | Wrap around support for participants of the Innovation Leadership Programme - adding value by helping them keep innovation projects on track between in-person workshops, providing additional information and guidance and encouraging peer-to-peer learning and support. Topics covered include: identifying learning styles, market research, mapping stakeholders, getting stakeholder buy-in, preparing for the programme showcase. x6 sessions delivered between Nov 2024-March 2025, further x4 sessions to be delivered before end of ILP in May 2025. |
| Year(s) Of Engagement Activity | 2024 |
| Description | Innovation Leadership Programme: Workshop 1 |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | This two-day workshop was the first in a series of eight sessions equipping participants with critical skills in innovation leadership - from understanding emerging technologies to mastering design thinking - so they can champion innovation in their financial services organisations, and future-proof growth and efficiency in a rapidly evolving sector. Guest speakers included: Lynne Darcey-Quigley - Know-it and Gemma Milne - University of Glasgow. |
| Year(s) Of Engagement Activity | 2024 |
| Description | Innovation Leadership Programme: Workshop 2 |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | Building on the skills developed at Workshop 1, participants continued their exploration of Design Thinking principles (collaborative facilitation by UWE & Lunos), blue ocean approach and real-world case studies of transformation in financial services settings. They narrowed in on their innovation project, mapped out actions to gain stakeholder buy in, and left with a clear understanding of the steps toward implementation required by Workshop 3. Guest speakers included: Kieron Borde - Barclays UK, James Berry - Great Western Credit Union, Giles Colbourne - Sopra Steria Next UK, Jack Lavington - Monmouthshire Building Society. Future Finance speakers included Ketch Adeeko - University of Bristol academic Co-I, Dominic Chalmers - academic Co-I, Jonathan Beaverstock - Future Finance Principal Investigator, Jack Stanbury - Senior PM. |
| Year(s) Of Engagement Activity | 2025 |
| Description | Innovation in Credit Unions Whitepaper |
| Form Of Engagement Activity | A magazine, newsletter or online publication |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | The publication of a whitepaper highlight the biggest areas for innovation in the Credit Union sector, with specific guidance on how credit unions can implement those changes within their organisation. It was reported as a consequence of our event, that companies had directly reached out to associates of Future Finance to implement a new technical capability in their business. A total of 63 attendees took part in events linked to this whitepaper, and it has been disseminated much further. |
| Year(s) Of Engagement Activity | 2024 |
| Description | Insitute for Financial Wellbeing Conference |
| Form Of Engagement Activity | A talk or presentation |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | National Industry conference for Financial Advice and wealth management firms. Future Finance research staff attended the event to speak and to engage with research participants in a collaborative event setting. |
| Year(s) Of Engagement Activity | 2024 |
| URL | https://instituteforfinancialwellbeing.com/events/ |
| Description | Insurtech Symposium |
| Form Of Engagement Activity | A talk or presentation |
| Part Of Official Scheme? | No |
| Geographic Reach | Local |
| Primary Audience | Industry/Business |
| Results and Impact | UWE Bristol event sponsored by the Insurance Institute of Bristol (IIB). Discussions on the opportunities and challenges of InsurTech in the insurance industry. Future Finance discussed as part of the event and research findings gathered from participants to contribute to wider project aims. |
| Year(s) Of Engagement Activity | 2024 |
| Description | MSc Fintech Guest Lecture UWE |
| Form Of Engagement Activity | A talk or presentation |
| Part Of Official Scheme? | No |
| Geographic Reach | Local |
| Primary Audience | Postgraduate students |
| Results and Impact | Industry Co-I, Stuart Harrison provided a guest lecture to students on the MSc Fintech degree programme at the University of the West of England. The Future Finance project was discussed to engage the students in debate and discussion around what would be interesting and useful areas of research. The students are supporting Partner organisation, Fintech West to develop reports on the sector that can contribute to research activity as part of Future Finance. |
| Year(s) Of Engagement Activity | 2023 |
| Description | MSc Fintech Guest Lecture University of Bristol |
| Form Of Engagement Activity | A talk or presentation |
| Part Of Official Scheme? | No |
| Geographic Reach | Local |
| Primary Audience | Postgraduate students |
| Results and Impact | Industry Co-I, Stuart Harrison provided a guest lecture to students on the MSc Fintech degree programme at the University of Bristol. The Future Finance project was discussed to engage the students in debate and discussion around what would be interesting and useful areas of research. The students are supporting Partner organisation, Fintech West to develop reports on the sector that can contribute to research activity as part of Future Finance. |
| Year(s) Of Engagement Activity | 2023 |
| Description | Mission Financial Inclusion Industry Roundtable |
| Form Of Engagement Activity | A formal working group, expert panel or dialogue |
| Part Of Official Scheme? | No |
| Geographic Reach | Regional |
| Primary Audience | Industry/Business |
| Results and Impact | Gathering insights from industry stakeholders to inform challenges to be addressed by participants of Mission Financial Inclusion Programme (delivery by SETsquared Bristol). |
| Year(s) Of Engagement Activity | 2024 |
| Description | Natwest Roundtable |
| Form Of Engagement Activity | A formal working group, expert panel or dialogue |
| Part Of Official Scheme? | No |
| Geographic Reach | Regional |
| Primary Audience | Industry/Business |
| Results and Impact | This roundtable, hosted by Natwest in the West of England Region introduced "key figures" in the financial services community to Senior Management at NatWest, responsible for innovation. The discussions focused on specific support happening in the region for the sector, and Future Finance formed a large part of these discussions. The discussion centred around raising the profile of the work in the region being done already and thus put the Future Finance project firmly on the horizon of Natwest and other stakeholders in the room enabling us to develop future partnerships. |
| Year(s) Of Engagement Activity | 2023 |
| Description | Purple Shoots Case Study Workshop |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | A small workshop with 3 industry attendees was designed and delivered to discuss in significant depth how a responsible lending company uses technology, what the challenges are and what sort of support would be the most beneficial to a small company such as theirs moving forward. Outcomes of the workshop included a confirmed design of all research case study activity and confirmed that Purple Shoots will partake in case study activity in the future. |
| Year(s) Of Engagement Activity | 2024 |
| Description | Regulating AI in Fintech |
| Form Of Engagement Activity | A formal working group, expert panel or dialogue |
| Part Of Official Scheme? | No |
| Geographic Reach | Regional |
| Primary Audience | Industry/Business |
| Results and Impact | An expert panel curated of Future Finance research team and wider industry to explore the benefits and challenges of integrating AI within financial services. Positioning this relating to the regulatory environment, to influence future development in this space. |
| Year(s) Of Engagement Activity | 2024 |
| Description | Securing the UK's future through technology |
| Form Of Engagement Activity | A formal working group, expert panel or dialogue |
| Part Of Official Scheme? | No |
| Geographic Reach | Regional |
| Primary Audience | Industry/Business |
| Results and Impact | Participation of Future Finance researchers on a panel exploring technology's vital role in safeguarding the UK's future prosperity and resilience. |
| Year(s) Of Engagement Activity | 2024 |
| Description | Sustainable Finance Workshop |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | Regional |
| Primary Audience | Industry/Business |
| Results and Impact | The Sustainable Finance Event was delivered by the University of the West of England, in partnership with the West of England Combined Authority. Future Finance had a speaking slot at the event to promote the programme and support with sourcing future participants in the research activity. The event also raised awareness with policy makers and governmental officials to support with the future development of policy documents and insights. |
| Year(s) Of Engagement Activity | 2024 |
| Description | TechXpo |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | Regional |
| Primary Audience | Industry/Business |
| Results and Impact | Showcase of tech startups, networking with the tech ecosystem from Bristol and beyond. Raised awareness of Future Finance and the work being done to contribute to the regional ecosystem. |
| Year(s) Of Engagement Activity | 2024 |
| Description | The Future of Financial Inclusion Webinar |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | Presentation by Jack Stanbury, Future Finance Senior PM, introducing Future Finance to attendees from FinTech North community to generate engagement in upcoming initiatives, particularly the Innovation Adoption Consultancy. Talk by Sharon to share research insights into underserved demographics and emerging financial behaviours, such as BNPL usage and gambling harms. Other discussion topics included: regional perspectives on poverty and debt, with a focus on the challenges faced by individuals in the North of England; the role of FinTech in addressing the digital divide and creating innovative solutions for those excluded from traditional banking systems; the growing reliance on cash amid online payment scams, its necessity for vulnerable individuals, and the challenges posed by businesses refusing cash payments; enabling unbanked individuals to get paid. Leads generated for Future Finance Accelerator activity as a result of this engagment. |
| Year(s) Of Engagement Activity | 2025 |
| URL | https://www.fintechnorth.uk/events/the-future-of-financial-inclusion-webinar/ |
| Description | The National UK Productivity Week |
| Form Of Engagement Activity | A formal working group, expert panel or dialogue |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | Future Finance attended the National UK productivity event in Glasgow to discuss how innovation in financial services can enhance productivity in the sector. |
| Year(s) Of Engagement Activity | 2025 |
| URL | https://www.productivityweek.co.uk/ |
| Description | TiPs Accelerator <> Future Finance Knowledge Exchange |
| Form Of Engagement Activity | A formal working group, expert panel or dialogue |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Other audiences |
| Results and Impact | Knowledge exchange between TiPs Accelerator & Future Finance, comparing experiences of accelerator delivery, propagating/mapping/expanding networks, common themes for research and potential for further collaboration through Future Finance's Collaborative Challenge Programme. Attendees: Martin Spring - TiPS Principal Investigator, James Faulconbridge - Proof of Concept lead, Katy Mason - Market making lead, Tzameret Rubin - Foundational Acceleration co-lead, Tim Vorley - Strategic Acceleration co- lead, Hilary Smyth-Allen - Strategic Acceleration co- investigator, Fran Trincado-Munoz - Strategic Acceleration pathway lead, Hannah Tornow - Research Associate (Brookes), Jonathan Beaverstock - FF Principal Investigator, Ketch Adeeko - Co-Investigator, Jack Stanbury - Senior Project Manager, Emilie King - Accelerator Manager, Lily Lunn-Scott - Project Admin, Anthonia Onyeahialam - Senior Research Associate, Abraham Mauleon Amieva - Senior Research Associate. |
| Year(s) Of Engagement Activity | 2024 |
| Description | UK Fintech Symposium |
| Form Of Engagement Activity | A talk or presentation |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | Presentation of the design and purpose of Future Finance as part of a large scale national context into the state of Fintech within the United Kingdom and the opportunities to engage with research and support activity across the different regions of the UK. Discussion on the design and delivery of Future Finance and networking opporunities with industry and the Future Finance team to ensure what is designed is fit for industry. |
| Year(s) Of Engagement Activity | 2023 |
| URL | https://futurescot.com/futurescot-events/fintech-2023/ |
| Description | UKFin+ Advisory Board |
| Form Of Engagement Activity | A formal working group, expert panel or dialogue |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | Engaging with large ESPRC funded research project into Financial Services called UKFin+. Future Finance co-i, Sharon Collard sits on advisory board and supports with gathering insights from their activity and inputting research findings from our own activity. Future Finance Project Manager has also engaged with UKFin+ to set up relationship whereby industry contacts can be shared across projects where beneficial and consented by the business. |
| Year(s) Of Engagement Activity | 2023,2024 |
| Description | UKFin+ Event in Bristol |
| Form Of Engagement Activity | Participation in an activity, workshop or similar |
| Part Of Official Scheme? | No |
| Geographic Reach | Local |
| Primary Audience | Industry/Business |
| Results and Impact | UKFin+ is a EPSRC funded research project looking to find solutions to challenges in Financial Services with computer science, data, and software. Areas of research with UKFin+ and Future Finance are very complimentary so Future Finance were invited to speak at the event about the project and to engage in round table discussions with industry. The intention of the event was to raise awareness amongst the community about Future Finance and to listen to the challenges facing industry. |
| Year(s) Of Engagement Activity | 2024 |
| Description | West of England Combined Authority Engagement |
| Form Of Engagement Activity | A formal working group, expert panel or dialogue |
| Part Of Official Scheme? | No |
| Geographic Reach | Regional |
| Primary Audience | Policymakers/politicians |
| Results and Impact | Future Finance Project manager met with members of staff within the Combined Authority to discuss the delivery of the project and how to align it to their own activity. This included promotion through the regional growth hub and to audiences engaging with the Authority. Furthermore it was also discussed developing relevant insights to influence policy and future workshops for policy and government engagement once further findings are developed. |
| Year(s) Of Engagement Activity | 2024 |
| Description | x15 Blog Articles |
| Form Of Engagement Activity | A magazine, newsletter or online publication |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | x15 blog articles published between April 2024-March 2025, as part of profile raising activities to promote Future Finance to a broad audience: "Including the Voices of the Underserved" - Dr Anthonia Onyeahialam, Senior Research Associate; "5 Reasons to Attend a Future Finance Accelerator Launch Event this June!" - Emilie King, Accelerator Manager; "Why AI is a Reality for Financial Advisers" - Patrick Ring, Academic Co-I; "Navigating the technologies transforming the financial advice sector" - Jack Stanbury, Senior Project Manager; "5 reasons why you should join Future Finance's Innovation Leadership Programme", "Innovation Leadership Programme: Key learnings from Workshop One" - Purplefish (marketing & comms partner); "Technology Insights Launch - Financial Advice and Wealth Management Focus", "How the Future Finance Accelerator supports digital transformation", "Seeing the Big Picture: The Role of Horizon Scanning and Strategic Foresight in SMEs", "Five Steps to boost your company's ability to adapt, innovate and evolve", "The Power of Listening: How Employee Voices Drive Innovation in Financial Services", "Technical Edge? The Importance (or Irrelevance) of Technological Skills for Future Innovation in Financial Services " , "What is a Growth Mindset and How Can it Drive Innovation in Financial Services?", "Innovation That Sticks: How Financial Services can Ensure Effective Adoption and Continued Use " - Felix Honecker, Senior Research Associate |
| Year(s) Of Engagement Activity | 2024,2025 |
| URL | https://www.future-finance.tech/events-and-news |
| Description | x2 Press Releases |
| Form Of Engagement Activity | A magazine, newsletter or online publication |
| Part Of Official Scheme? | No |
| Geographic Reach | National |
| Primary Audience | Industry/Business |
| Results and Impact | x2 press releases developed and pitched by marketing partner Purplefish, drawing interest to key initiavies: Innovation Leadership Programme - "Future Finance launches leadership programme to help drive innovation in the UK's FinTech sector" (published on SW Business Insider, Scottish Business News); Innovation Adoption Consultancy (published on SW Insider, Fintech Finance News and The Business Post). |
| Year(s) Of Engagement Activity | 2024,2025 |