Our industry viewpoints

Exploring different views gives us in-depth insight into particular issues, a clearer view of the bigger picture, and a more rounded understanding of the way some of the same issues cut across different markets and audiences.
This is where you’ll find a selection of articles, observations and insights affecting the financial services sector.

Can language affect savings behaviour?

20 July 2018 | Viewpoints

Can the language you speak influence the way you save? Professor Keith Chen, behavioural economist at UCLA, has been looking at how speakers of different languages also save differently. We give an overview of his thoughts and a link to his TED talk here.

Pension Freedoms

6 July 2018 | Viewpoints

Pension Freedoms were introduced to much brouhaha in 2014, prompting fears that it could encourage people to raid their pension pots, leaving them with depleted savings in their retirement. Did it? We take a look at what consumers actually did when the new rules came in, and at what this says about the real implications…   Read the full article

Intergenerational financial planning

5 July 2018 | Viewpoints

We were asked by the financial adviser firm Origen to talk to their clients about financial planning across the generations: how they feel about it, what they do about it, what aspirations and concerns they have…and how an adviser can help. Read the article here

Longitudinal Qualitative Tracking

26 February 2018 | Research

We take a look at how qualitative methods can be used to track changes in attitudes and expectations over time, as well as to gain instant feedback on events and news stories that could have an effect on them. Qualitative tracking is particularly suitable for exploring changing responses to market developments or attitudes to fixed-period…   Read the full article

Online Bulletin Board

26 February 2018 | Research

Here we take a look at our experience of using an online bulletin board to research a number of proposed advertising executions aimed at advisers. Limitations on sample meant that we were going to struggle to pull together groups of advisers. Read the article…

Buying Personas

3 October 2017 | Viewpoints

We take a look at Buying Personas, as B2B suppliers seek to develop customer models which combine practical and emotional needs with a view to meeting them more effectively.  Read the article.

The importance of older consumers

1 October 2017 | Viewpoints

There is a growing market that represents a third of the UK population.  One which is wealthy, active and has £145bn in disposable income burning a hole in its pockets.  This consumer group will drive consumption growth for the next 20 years.  But this market is ignored by marketeers.  Many brands display little or no…   Read the full article

The changing nature of trust

24 April 2017 | Viewpoints

Institutional trust is breaking down in the wake of some very high profile scandals – the financial services crisis, the Panama papers, Volkswagen, FIFA and members of Parliament, to name just a few of the biggest.  Public confidence in major institutions has slumped. At the same time, the digital world is enabling greater personal connectivity,…   Read the full article

Brexit – In hindsight, who was right?

10 November 2016 | In the news

After all the histrionics of the debate, we look back at the dire warnings and blithe assurances we were given by both sides, and consider some inconvenient truths they forgot to mention…

Brexit – what, exactly, did people vote for?

4 November 2016 | In the news

“Should the United Kingdom remain a member of the European Union or leave the European Union?” A referendum focuses on a single question.  There is just the question.  Unlike a general election, there is no party, manifesto or programme.  This is even more true of Brexit, where there was a lack of consistency of opinion…   Read the full article