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New research from people management platform Employment Hero shows UK payroll providers are struggling for days to deliver each pay run, as messy data and inefficient processes slow them down.
From April 2024, changes to R&D tax relief announced in the 2023 Budget mean that the existing R&D Expenditure Credit (RDEC) and the SME R&D schemes will be merged into a new simplified R&D tax relief incentive.
Cryptocurrency is a rapidly evolving industry, and institutional investors have a significant role in shaping the market. These investors, such as banks, hedge funds, software companies, and private equity firms, bring sufficient capital and expertise to the crypto ecosystem. However, navigating a volatile market requires partnering with a reliable cryptocurrency trading platform, such as https://whitebit.com/institutional-services/b2b. […]
In recent years, car title loans have emerged as a popular financial solution for individuals who need cash fast, especially in states like Texas, where there are many online options. These types of loans provide a way for you to access funds quickly using your vehicle as collateral. Thanks to the convenience of online applications, […]
Is traditional banking on the verge of becoming obsolete in emerging markets like Mexico, or is it evolving through a symbiotic relationship with FinTech? This question takes center stage as we dissect the underpinnings of this financial metamorphosis. FinTech, brimming with agile startups and innovative technologies, is compelling established banks to rethink their age-old frameworks. […]
Financial fraud is a pervasive challenge, evident in the 2.6 million fraud reports received by the Federal Trade Commission from consumers last year alone. This alarming statistic underscores the urgent need for robust measures to counteract the ever-evolving threats that jeopardize the stability and security of global economies. As technology continues to advance, so too […]
Managing our money can be intimidating, but it’s crucial to securing a comfortable present and future. After all, it’s pointless earning money if it’s all leaking out the back door without your noticing. Half the battle is in trying to keep debts manageable. Sometimes, taking on debt is inevitable. Whether you’re starting a new business, […]
Inequality is multifaceted, with several different perspectives from which it can be examined. According to Kavan Choksi, one of the most commonly used metrics is Income Inequality, which considers income distribution throughout a population. However, several related concepts are equally important in understanding the nature of inequality. For example, Lifetime Inequality looks at how income […]
Next week is Debt Awareness Week (18 - 24 March). While debt is often portrayed in a negative light and seeking help can be daunting, it is essential to understand that debt can be a valuable financial tool if handled with care.
2023 proved a challenging 12 months for the climate vertical, with private equity and grant funding for climate tech startups falling by over 40% compared to the previous year. However, in 2024 investment levels are set to increase, as accumulated public and private capital gets deployed and government support across various sectors ramps up.
After more than two and a half years of struggling with high inflation, financial analysts are urging Americans to make building a solid nest egg of savings their top New Year’s resolution. The prolonged period of high inflation has created severe financial stress for most U.S. households, as they are forced to pay more for everyday needs like food and housing. Low-income households have been particularly hard hit.
As the payments market continues to digitise, consumers are demanding streamlined real-time interactions with banks to remove friction whilst delivering personalised experiences anytime, anywhere and through any device.
When it comes to financing personal expenses, personal loans can be a viable option. Jackson and Marlboro are two cities that offer personal loans, and in this article, we will explore the process of applying for a personal loan in these locations.
As we’re preparing to deal with an 11.1% inflation as of October 2022, people are looking for ways to secure their money and capitalise on their assets.
According to Statista, a record 22,305 businesses will go bankrupt by the end of 2022 in the UK, second only to France’s 22,305.
International payments power the global economy, but for many businesses cross-border transactions are still in need of modernisation. Laurent Descout, Founder and CEO of Neo, looks at the progress that has been made so far and the solutions that can drive payment innovation further.
Criminals successfully stole over half a billion pounds over a period of just six months in 2023 through fraud, according to new research from UK Finance.
Armed with the capabilities of machine learning (ML), financial institutions and finance executives have long been turning unstructured information into insights that promote better decision-making and help them understand many key elements of the business.
An all-new, intuitive trading offering is now live. Tradu is the innovative platform that gives traders and investors enhanced access to the essential tools and assets that establish and grow a trading portfolio.
Artificial intelligence (AI) is everywhere you look, and the financial services sector is no different. Banks and other financial firms like hedge funds were some of the first institutions to adopt artificial intelligence at a corporate level, while new technological advances and applications mean that AI usage is more widespread than ever.
Sadly, cybercriminals don’t take breaks over Christmas. In fact, with so many more financial transactions taking place over the festive season, it’s a prime opportunity for cybercriminals to take advantage of poor cybersecurity. The Christmas season is a perfect background for a cybercriminal to attack, so what are the most common ways that you could be caught out this festive season?
Access brokers — the threat actors who gain and sell access to organisations and simplify eCrime for other cybercriminals — are especially active during this time of year. They capitalise on seasonal shifts to craft holiday social engineering campaigns, steal more information and make more money by selling their findings to threat actors on underground forums.
In the face of rapidly increasing data volumes, relentless cyber threats, a critical shortage of skills, and the intricate demands of regulatory compliance, a startling 95% of businesses perceive their digital infrastructure as a risk to their operations.
New research from people management platform Employment Hero shows UK payroll providers are struggling for days to deliver each pay run, as messy data and inefficient processes slow them down.
With summer fast approaching, maximizing the excitement of a future holiday and minimizing the stress of the entire process is essential.
In the rapidly evolving world of mortgage lending, branch managers play a crucial role in leading their teams toward success.
International payments power the global economy, but for many businesses cross-border transactions are still in need of modernisation. Laurent Descout, Founder and CEO of Neo, looks at the progress that has been made so far and the solutions that can drive payment innovation further.
As many businesses migrate their operations to the cloud, effective cloud cost management and spending optimization are becoming their growing concern. In this context, companies should consider adopting FinOps practices for expense optimization and promoting financial accountability and control.
Diversifying your portfolio is a strategic move to mitigate risk and maximize potential returns. With multiple options ranging from Bitcoin (BTC) to lesser-known altcoins, like Litecoin, navigating the crypto landscape isn't easy.
The cost of your car insurance premium can pose a significant financial burden, with many motorists reportedly paying more now than they were in previous years.
Chancellor Jeremy Hunt will set out the Government budget to Parliament on Wednesday, 6 March. With the General Elections drawing close, it’s expected that the upcoming changes will focus more on individuals, rather than to businesses and corporates, to sway voters in the Conservative party’s favour. Given the pressing needs of businesses, prioritising tax cuts […]
Almost one third (30%) of UK business owners plan to sell their businesses to help fund their retirement, according to new research.
Although conditions are challenging for new business ventures this year with factors such as the pandemic and cost of living crisis playing a part, all hope is not lost.
Growing a business in the current economic climate is a challenge. With rising costs slashing profit margins and prohibiting growth, external investment has become almost a necessity for small and medium-sized enterprises (SMEs) to expand.
With the new tax year having just commenced, it’s a good time to review outstanding debts and take proactive steps to try and minimise or limit your business’s exposure to them. This is particularly the case given financial uncertainty in the market coupled with the ever-growing cost of living crisis, increasing costs throughout the supply chain and the consistent rise in registered company insolvencies since the pandemic.
In today’s business climate, there’s no denying the importance of sustainable operating practices. Operating sustainably has plenty of tangible benefits for businesses – aside from a clean conscience of course. Increased profitability and desirability as an employer are just two of the advantages that can be gleaned from sustainable business.
Globant, a digitally native company focused on reinventing businesses through innovative technology solutions, announced today that its Be Kind Tech Fund has invested $1 million in Polemix, the first platform to introduce Web3 technology to the world of ideas and opinions. The startup's mission is to upgrade how people support and oppose opinion leaders, disrupting the echo chambers cultivated by traditional social media platforms.
AEI Capital is passionate about dealing with the capitalization of corporate vision. It knows that anything is possible with the correct strategy alongside a smart capitalization model and a knowledgeable blueprint for the most effective, essential parts of the Private Equity industry.
Figures out from HMRC this morning show that the Treasury raked in another £4.1billion in inheritance tax receipts in the months between April and October 2022. This is £500 million more than in the same period a year earlier, continuing the upward trend. These figures are revealed just days after the Autumn Statement in which it was announced that the inheritance tax threshold of £325,000 will be frozen until April 2028.
By Francesca Rayneau, Director at Calculus Enterprise Investment Schemes (EISs) are a powerful way for clients, who are comfortable with the risks, to target high growth investments. For a company to qualify for EIS funding it must be early stage and not listed on the main market of the London Stock Exchange. These companies often […]
Institutional investors have been increasing allocations to illiquid assets and Downing’s research suggests the trend is set to continue. In this market outlook, Kostas Manolis, Partner and Head of Private Market Investments, explains why the current economic conditions make illiquid assets attractive.
Durham-based company Anglo Scottish Asset Finance Ltd is excited to announce the completion of a management buyout (MBO) to take back control of the business.
Saxo Bank, the leader in online trading and investment, today announced its annual Outrageous Predictions for 2024. The predictions focus on a series of unlikely but underappreciated events which, if they were to occur, would send shockwaves across the financial markets.
Looking for a new avenue to invest in for 2024? Most people looking to invest in property are immediately drawn to residential projects – those looking to invest are typically homeowners and want to stick to what they know.
A recent report from the Royal United Services Institute (RUSI) has called for greater cooperation between government bodies, insurers, and cyber security specialists to establish best practice guidelines on dealing with cyber-attacks and ransomware.
Predicting the ebb and flow of the global financial markets can often be likened to gazing into a crystal ball. This outlook becomes even more opaque when climate change impacts are thrown into the mix. One possible future, however, is that the climate transition’s reshaping of the global economy may trigger a global financial crisis.
Nobody likes paying too much in taxes, including cryptocurrency investors. Different crypto transactions produce different tax consequences, and how long you own a digital currency usually matters.
The U.S. personal savings rate fell to 4.1% in November from 4.2% in August and 5.3% in May. Beyond the monthly data, personal savings have garnered substantial interest from global investors. Many are concerned that once savings run out, U.S. consumers will wilt, and so will the U.S. economy. However, investors' misconceptions about personal savings may cause them to overstate consumer health concerns.
With the rising cost of living in the UK, many consumers are keeping regular tabs on their spending and looking for ways to cut costs when taking care of and maintaining their homes.
Being self-employed shouldn’t automatically mean securing a mortgage will be a challenge. With over 4.2 million British workers now classified as self-employed1 – and expectations the sector will only continue to grow - it is more important than ever before to know just what extra considerations are needed to secure a mortgage.
This year Tax Freedom Day falls on Thursday 8th June. This is the day of the year by which, theoretically, the average UK taxpayer will have earned enough to pay all of their taxes for that year. This includes tax on all income, as well as the purchase of all goods and services.
Brits have more stolen payment card details listed for sale than any other country in Europe, according to new research of dark web data by cybersecurity company NordVPN.
Amid the high levels of current inflation and the economic backdrop, it is understandable that many executors will decide to administer a deceased’s estate themselves and dispense with the cost of instructing a solicitor. We have compiled a list of 6 key reasons why it pays to pay for Probate.
When it comes to financing personal expenses, personal loans can be a viable option. Jackson and Marlboro are two cities that offer personal loans, and in this article, we will explore the process of applying for a personal loan in these locations.
Latest data from Aviva (January 2023) has again found the gender pension gap begins to widen significantly from the age of thirty-five, and there are still significant gaps between how much women pay into their pension compared to men.
From April 2024, changes to R&D tax relief announced in the 2023 Budget mean that the existing R&D Expenditure Credit (RDEC) and the SME R&D schemes will be merged into a new simplified R&D tax relief incentive.
Significant changes are on the horizon for IR35, set to take effect on April 6th. This new policy, known as ‘IR35 offset’, aims to prevent double taxation by empowering HMRC to offset tax and NI contributions already paid by contractors, fostering fairer sharing of tax liabilities throughout the supply chain.
As another tax year draws to a close, investors may be wondering how they can make their investments work harder for them.
While there have been hints of tax cuts, many are still predicting the Autumn Statement to be quite a bland affair as the Government readies itself for a General Election next year, perhaps with more promises for the future than actual action. However, there are still many changes that could be introduced, or re-introduced, that would help boost the economy and put money back into the pockets of ordinary people.
Nobody likes paying too much in taxes, including cryptocurrency investors. Different crypto transactions produce different tax consequences, and how long you own a digital currency usually matters.
Milton Keynes-based asset finance brokerage Approved Finance Group has announced the launch of Approved Tax Limited (ATL), its new division designed to support SMEs with innovative funding solutions.
With figures from Aviva showing that one in five adults in the UK has taken on a side hustle since March 2020, it is important to be aware of how these income drivers impact your tax charges.
We are now in the new tax year, meaning it’s crucial that everyone is aware of how any of the new changes may impact them, especially in light of the cost of living crisis, where financial planning has become more important than ever.
Organisations all over the world have been leveraging the power of Windows operating systems ever since the first version – Windows 1.0 – was rolled out in 1985. Yet despite the regular release of newer and more secure versions, many organisations continue to use outdated systems that could leave them worryingly exposed to damaging cyberattacks and data security breaches.
Criminals successfully stole over half a billion pounds over a period of just six months in 2023 through fraud, according to new research from UK Finance.
Research carried out by cybersecurity experts ramsac indicates that human error is responsible for at least 90% of cybersecurity breaches, meaning businesses must do more to protect themselves against cybercrime.
Research carried out by cybersecurity experts ramsac indicates that human error is responsible for at least 90% of cybersecurity breaches, meaning businesses must do more to protect themselves against cybercrime. Unfortunately, around 20% of businesses still don’t have any form of cybersecurity training in place for their staff and rely only on readily available security […]
As an industry, interior design is rapidly growing. To keep up with demand and embrace new ways of working the industry is using innovative technologies and cutting-edge software to envision and deliver client requests. Though there are many gains from innovation, this increasing reliance on technology brings with it a very real threat: sophisticated cyber-attacks.
In today’s age of technology pervasion, news headlines are rife with stories of data breaches, the actions of opportunistic cybercriminals and the financial implications of poor security hygiene. The threat landscape is constantly expanding, and the ever-increasing data load for businesses means that there are more holes and vulnerable points in a company’s cybersecurity net than ever before.
ISACA, the leading global professional association helping individuals and organisations in their pursuit of digital trust, today launches new research looking at the state of cybersecurity.
October is the official cybersecurity awareness month. Using this occasion, Juta Gurinaviciute, a cybersecurity expert and CTO at NordLayer, gives an interview explaining the importance of this month and cyber trends around the world. Gurinaviciute reveals where businesses should look first when creating a cybersecurity strategy and what dangers are the most prominent in the IT world.