Regulation
20 November 2025
Consumers at the Heart of Innovation: Financial Health Evaluation in the UK Regulatory Landscape
This whitepaper examines the evolving landscape of financial services in the UK, with a focus on consumer-centric innovation and the ...
Regulation
18 November 2025
From Crisis to Prosperity: AI and Open Finance for Holistic Financial Health and Smart Future Planning
The financial services industry stands at a critical inflection point. Traditional credit-scorecentric frameworks, rooted in historical repayment data and broad ...
Regulation
26 September 2025
Supply Chain Intelligence: Actionable Risk Assessment of Brazilian Commodity Supply Chains Using Geospatial Data
Geospatial data is transforming sustainability risk assessment in Financial Services. Driven by mandatory regulations such as the EU’s CSRD and ...
Regulation
21 April 2025
Large Language Model Application for Regulatory Horizon Scanning: Case Study on ESG Greenwashing Regulations
This white paper explores the application of Generative AI, specifically Large Language Models (LLMs), to enhance regulatory horizon scanning within ...
Regulation
02 April 2025
Sustainable Financial Products and UK Pension Schemes
Sustainable financial products have gained significant traction in the financial world as climate change and social responsibility concerns continue to ...
Regulation
02 April 2025
Strategic Foresight in FinTech: Harnessing Scenario Planning for Future Readiness
Strategic foresight is an essential approach for anticipating and preparing for potential developments in a rapidly evolving ecosystem. This white ...
Regulation
02 April 2025
Simplifying Compliance: The Role of AI and RegTech
The Financial Regulation Innovation Lab (FRIL) is dedicated to simplifying compliance through emerging technologies, with Artificial Intelligence (AI) representing the ...
Regulation
02 April 2025
Shifting the Skills Conversation: Building a Lifelong Learning Culture to Foster Innovation in Scotland’s Financial Sector
Building a sustainable, productive and inclusive financial services sector in Scotland means thinking beyond the needs of today. ‘Fostering innovation’ ...
Regulation
02 April 2025
Robo Advisors as a Use Case of AI Systems: Linking Responsible Business Practices, Compliance and Outcomes
In this paper, we explore the workings of robo-advisors as an example of AI-based systems. We discuss the performance and ...
Regulation
02 April 2025
The Shifting Locus of Authoritative Advice for Gen-Z and Their Financial Lives: An Opportunity for the Credit Union Sector?
Gen Z are reshaping the way financial advice is sought and acted upon. Moving away from traditional sources like family, ...
Regulation
02 April 2025
Authorised Push Payment Fraud Mitigation: The Role of Data and Information Sharing
Authorised Push Payment (APP) fraud has been increasingly steadily, with many of the common types originating on social media and ...
Regulation
02 April 2025
Mapping ESRS Disclosure Datapoints to Relevant Datasets
The integration of geospatial data into sustainability reporting frameworks addresses challenges related to inconsistent and outdated Environmental, Social, and Governance ...