Skip to main content

NoMo Money: A PFM for today’s consumers

Article written by Author: Andrew Garden ”“ Product Manager @ The ID Co.

When I was approached two years ago by our company’s CEO, James Varga, and asked whether we could develop a consumer facing App, I was distinctly nervous about whether we could produce a product that could compete with some of the major applications that had already been launched and were launched soon after our conversation.

Two years on from that fateful afternoon, I couldn’t be happier with the release of our new customer facing App, NoMo (for No Money Mo Money!)

With hindsight, it was a great decision to focus on the customer side as well as the B2B offering, DirectID. Since its launch in 2015, DirectID has been a great success ”“ integrating with over 5,500 banks and building a customer base in Europe, north America and the UK.
Now it’s time for NoMo to take some of the weight.

Obviously, we’re a late entrant into the personal finance management (PFM) app space. In that time, there have been numerous releases, including many of the ones that we’re now very familiar with, from Yolt to Money Dashboard to Emma. I’ve taken a lot of time in looking at these apps, to understand their functionality, their key attributes and what we could do differently.

Essentially what I’ve found from having the time and space to develop NoMo, is that if you look at an App such as money Dashboard it has different functionalities ”“ from integrating multiple accounts, to categorisingspend and budgeting and planning.
That’s fantastic. I’ve used Money Dashboard myself and really enjoy it. But what we didn’t want to do was to recreate another version of what is already a very successful App.

So instead I took another approach, and asked “what is the biggest issue that people have with their money?” I think most of can agree, and unless we earn huge salaries, that the biggest issue is budgeting from one month to the next. From our research we know that this can create a feeling of helplessness around money, and this manifests itself by us burying our heads in the sand and hoping financial difficulties will go away.

In a saturated market, I wanted to find a way to make NoMo both stand out and be of value to users. We decided to go with a unique approach by giving NoMo a personality with references to popular culture. This way, regardless of whether users are up or down, they are spoken to like a friend. We wanted to make looking at your finances less like going to the dentist when you know that pain is on the way!

So, what we wanted from NoMo was to make it easy for people to know whether they were doing well in their finances. Ultimately this came down to one simple question “Do I have more or less money than at the same stage last month?” to which NoMo will show a simple graph ticker or message with a value that represents how much more or less money is in your account.

The summary provides a visual representation of the user’s budgeting performance over the month. The days of the month in orange represent the days the user has been down. Those in yellow represent the days the user has been up. The days in white are the days that the user has been on their average.

 

What we want to accomplish is for people to engage with their finances in a healthy manner that doesn’t stigmatise how much or little they have in their accounts. To that end, NoMo comes with three settings that can be set by the user ”“ motivational, cheeky and friendly. Dependent on which of these settings is selected, NoMo will feature a message that accompanies the account up or down figure. No one will be surprised that we had a lot of fun writing these messages, particularly the cheeky ones!

Commenting on the release of NoMo, The ID Co., CEO, James Varga said:

“We have been working on building a consumer App that allows customers to answer one very simple, but important question, and we’re confident that this premise means NoMo will be a great success with customers. It was important for us, that as well as being involved in working with financial institutions with DIrectID, we also have a consumer offering that will broaden our appeal within the market. Our research suggests that there is a very strong appetite for such an App and we look forward to receiving feedback now it has been launched.”

Indeed in these first few weeks there has been a huge amount of feedback, and to be honest, I’m delighted to receive this ”“ even the not-so-complimentary messages! To be honest, there hasn’t been anything that we either didn’t know about or were minor fixes. Moreover, we’ve learned a huge amount from the launch of DirectID. We’ve pulled in our experiences from the different industries that we work in, such as income verification, affordability, credit risk and lending, with the aim of bringing that knowledge to the benefit of consumers.

Moving forward, what we want to do is to be able to recogniserisky transactions that we can then flag to the user to try and be proactive towards their wellbeing. What this will mean is that when we release the Android verion ”“ hopefully by Christmas ”“ it should be perfect.

The feedback received along with the volume of downloads that we’ve had, even in these first few weeks, has given us a huge amount of confidence. I think we’ve touched upon a genuine need in the consumer market, which is for individuals to know quickly and simply whether they have more or less money than at the same time last month.

Fintech trade mission to Poland

Scottish Development International is helping to promote a Fintech trade mission to Poland, which the Warsaw-based DIT team is organising on 27th-29th November 2018.

Interested companies can join via the link below
https://www.eventbrite.co.uk/e/2018-uk-fintech-trade-mission-to-poland-tickets-50441104702

In brief, the programme of the trade mission will start in the afternoon on 27th November in Warsaw with expert briefings about fintech landscape in Poland. It will also include a joint reception with UK healthtech trade mission at the Ambassador’s Residence.

On 28th and 29th November, UK fintechs will be actively involved (sales pitches,1-2-1 meetings, networking) in Impact Fintech’18  ”“ the largest and most influential international fintech conference in Poland, which gathers key decision makers and influencers (including public sector) in the financial sector. The event will take place in a city of Łódź (1.5 hrs away from Warsaw).

We are expecting a UK Minister to attend the Warsaw reception and Impact Fintech’18 in Łódź.

DIT will secure for trade mission participants: transport from Warsaw to Łódź and 2 night accommodation in Łódź, where the conference takes place.

Please refer to links below for more information about Impact Fintech’18.
Should you have any questions please contact Ewa.Veenendaal-Rawicz@fco.gov.uk

A FinTech degree for today and the future

Blog written by GB Ibikunle, PhD – Director, MSc Finance, Technology and Policy
Director, FinTech @ the Edinburgh Futures Institute

Decades of relentless technological advancements and new regulations have altered how financial services are delivered and trading of financial instruments in financial markets. Markets and financial products have never been more complex, with algorithms, rather than humans, now executing the majority of trades in financial markets, determining consumer credit-worthiness and interacting with consumers in the delivery of financial services.

The skills required to succeed within the finance sector have thus inevitably become more diverse, with financial institutions, looking to take advantage of the growing availability of data, demanding increasing levels of technological and financial sophistication from new recruits as well as existing workers. Indeed, in the finance sector, the ability to develop complex technological solutions is now as sought after as the understanding of the economic interactions generating big financial and consumer data.

This development and the pace at which it has emerged have led to a yawning skills shortage in the nascent sub-sector at the intersection of finance and technology ”“ the so-called FinTech sub-sector. Leading global universities such as the University of Edinburgh, have a responsibility to respond to knowledge gaps in the global workforce such as has become evident in FinTech.

Hence, we have responded with a new Masters level degree programme. Developed over a 30-month period of intensive curriculum building, which involved extensive interactions between our world leading academics/researchers and global industry leaders , our MSc in Finance, Technology and Policy (FTP) offers a unique degree sitting at the intersection of the three most important drivers of a modern economy ”“ financial services and markets, technology and policy.

 

 

The programme applies the core principles of financial economics and economic sociology with practical skills in programming, machine learning and big data
analysis within a problem-based learning framework to help students develop the skillsets that are relevant for FinTech roles of today and the future. Students on the programme work with industry partners to develop innovative solutions to live challenges as part of student consultancy projects sponsored by industry partners.

Generally, FinTech-related degree programmes and courses exclusively focus on the
vocational skills aspect of educating FinTech professionals. FTP as a programme focuses on this aspect as well. We believe that being able to apply machine learning approaches to solving problems and developing new and innovative products in finance is critical to building a successful career within the growing and vibrant FinTech sub-sector. However, we are also convinced that being able to critically engage with the core debates within the finance sector as it undergoes a technological transformation is equally important.

Therefore, while the programme offers students an unvarnished view of the functioning of existing financial markets and financial services structures, it also advances criticisms of the current set up and presents a basis for the development of alternative markets and financial products.
Markets are often taken as a given, with unspecified origins ”“ in current policy and academic debates. FTP is designed to contribute a strident policy-based argument to this ever-growing debate by weighing in on competing arguments. The programme explores the social anthropology and political economy of meanings and representations within which markets are embedded.

Relevant works for this task include economist Douglass North’s work on the implicit and explicit cultural meanings of markets and Susan Strange’s work on casino
capitalism that deconstructs current money markets and financial capitalism. This unique focus on critical economic sociology and market policy issues distinguishes FTP from all the other existing FinTech educational offerings. With the critical thinking skills students develop on the programme, they are able to reflect on the interactions between finance and technology on the one hand and policy evolution on the other.
This kind of consideration offers students the opportunity to meaningfully engage with the possible consequence of the solutions and innovative products they develop, especially how they may influence the trajectory of policy.

The relevance of FTP for the FinTech sub-sector today and in the future is not in doubt. In order to ensure that this continues to be the case, the programme is supported by an external advisory panel, with members drawn from regulatory agencies, finance and technology firms, as well as firms operating at the intersection of finance and technology.
The panel provides advice on curriculum development and employability issues. Furthermore, we offer an extensive range of entrepreneurship initiatives designed to help students develop innovative products and take them to the market within months of programme completion.

In the final analysis, I think the main selling point for FTP is that the degree is a University of Edinburgh offering. University of Edinburgh is a university with an academic pedigree of historic proportions. As a global university, we have been delivering impact research on a global scale since the 16th century. Today, we continue to lead in many areas, including machine learning/AI, economics and sociology ”“ all the critical building blocks of the MSc Finance, Technology and Policy.

UK FinTech Trade Mission to Zurich and Vienna in January 2019

The 2nd annual UK Fintech Mission to Zürich and Vienna matches senior executives in Swiss, Liechtensteiner and Austrian banks, insurance companies and venture capital firms and the most innovative UK-registered fintech and cybersecurity start-ups to build mutually beneficial business relationships.
€30 million in signed business deals generated from the previous Fintech Missions to Switzerland and Austria.

FinTech Scotland’s Stephen Ingledew and FDATA’s Gavin Littlejohn will join the Zurich Mission.

Switzerland: a leading global centre for finance and fintech

”‹Why Switzerland? Because it is home to over 260 banks. It is also the largest global financial centre for international clients in cross-border wealth management. At the end of 2015, assets under management in Switzerland totalled £5trillion.

Why join us in Zürich? Because it ranked sixth in the 2016 Global Financial Centres Index and 2nd in Europe (after London). Because a third of Switzerland’s 260+ banks have their head offices here. Some 510 banking institutions are also represented in Zurich in one form or another. Representatives from financial institutions in Geneva will be present too. Like Zurich, Geneva is a significant global financial centre. It ranked 4th in Europe and 15th globally on the 2016 Global Financial Centres Index. Geneva’s financial centre comprises some 140 banks. It is also a major centre for asset management. All these financial institutions understand the need to provide innovative digital solutions for their customers. They eagerly await your applications!

Why Austria? Isn’t it more Mozart than Fintech?

”‹The companies which you are pitching to have an extremely high market share across Central and Eastern Europe (CEE). This means that, if they buy your products/services, you could immediately have a presence across upwards of 15 countries. In 2017, CB Insights ranked VC Speedinvest no. 1 most active Fintech VC in the EU, with a €100m fund dedicated to identifying the most innovative companies. Austria is a country of wealthy consumers, with GDP per capita of €38k (vs. €34k in UK). It also has the highest level of smartphone and internet access in the CEE region. The market for Fintech in Austria is projected to reach €588 million by 2020 and Fintech investments in the DACH Region (Germany, Austria and Switzerland) rank 2nd in EU after the UK. Limited domestic expertise means big opportunities for UK companies to get first-mover advantage in the market. Check out our video of last year’s event below:

 

Apply TODAY at www.ukfintechmission.com or contact pat.kunz@scotent.co.uk for further information.

 

REGISTRATIONS CLOSE 31. OCTOBER 2018

Applications are open for global accelerator programme

Article written by Justine Kelly, Vice President, Technology (Americas) for Scottish Development International

MassChallenge is a global accelerator program, headquartered in Boston with additional locations in Israel, Mexico, Switzerland, the UK and Texas.

MassChallenge works with companies across all industries from anywhere in the world, focusing on early-stage companies, with zero equity taken. The accelerator itself is a 4-month program where companies receive hands-on support from top mentors and experts, free co-working space, access to MassChallenge’s network of corporate partners, tailored workshops and office hours, and the opportunity to win cash prizes.

Applications are now open for the 2019 MassChallenge’s Fintech Accelerator (to take place January-June 2019), with a close date of 12th October 2018. MassChallenge FinTech is based in Boston and is looking for industry-focused startups that have raised less than $10M in equity-based funding and generated less than $10M in revenue in the last 12 months. As part of the program, accepted companies will be provided with:

  • 1:1 collaborations with industry-leading partners who will support start-ups with co-development opportunities, product validation, customer connections, strategic investments, and advisor introductions. Partners of MassChallenge Fintech include Citizens Bank, Fidelity Investments, Fintech Sandbox, John Hancock, MassMutual, and Putnam Investments, to name a few.

  • Collaborative office space located in the heart of Boston’s innovation district

  • The opportunity to win a portion of $250K in cash prizes

Interested companies can apply here and using the discount code MCFTEmmett19.

FCA consultations on Innovation PSD2

Article written by Nicola Anderson, Senior Manager Retail Banking Supervision at the FCA.
Nicola just joined FinTech Scotland on a 1 year secondment.

After a slightly delayed start I’m delighted to have arrived at Fintech Scotland and I’m looking forward to being part of the team there for the next year.

Thanks to Stephen, Mickael and Shery for making me feel so welcome and part of the team. I’ve been out and about most of the week, meeting stakeholders and learning about the work, the innovation, collaboration and general mood of optimism! I’m looking forward to more of the same over the coming weeks and hope to meet many of the Fintech businesses in the next few weeks.

One point of interest has come up this week that I wanted to mention. I’m sure you’re already aware that the FCA has published a couple of consultation papers relevant to Fintech, Innovation and PSD2. Both papers are still open for views or responses, and links to both are attached below. The FCA welcomes input and perspective from interested parties and in particular those with experience on the subject. Through gathering views, next steps and further direction can be shaped in an informed and useful way. You can feed back directly on some or all of the questions posed in each paper.

PSD 2 consultation paper – closes on 12th October. The paper is focuses on:

1. The Regulatory Technical Standards for strong customer authentication and common and secure open standards of communication (SCA-RTS).
2. Domestic implementation before the EBA exemption guidelines are finalised
3. New fraud reporting requirements that will affect the data collected and reported by all PSPs

In addition the FCA is taking the opportunity to update its Payment Services and E-Money Approach Document guidance to reflect other legislative changes and clarify existing expectations based on experience of the regime (eg, of processing applications) since September 2017. These proposed amendments and additions are in Annex 3 of this consultation paper

https://www.fca.org.uk/publications/consultation-papers/cp18-25-approach-final-regulatory-technical-standards-and-eba-guidelines-under-revised-payment 

Global Financial Innovation Network (GFIN) – deadline for responses is 14 October.

https://www.fca.org.uk/publication/consultation/gfin-consultation-document.pdf

This consultation sets out three main functions of the GFIN:

1. Act as a network of regulators to collaborate and share experience of innovation in respective markets, including emerging technologies and business models:

2. Provide a forum for joint policy work and discussions; and

3. Provide firms with an environment in which to trial cross-boarder solutions.

As part of consultation the FCA is seeking views on the mission statement for GFIN, its proposed functions, and where it should prioritise activity.

Do contribute to both or one of the consultations if you can and think it’s relevant to your business.

Best

Nicola

Shirley-Anne Somerville MSP welcomes Renovite Technologies’ plans for expansion

Shirley-Anne Somerville, the MSP for Dunfermline and West Fife MSP, met with senior members of staff and specialist developers at Renovite Technologies earlier this week to learn more about the businesses plans for expansion in the months ahead.

On October 1st, Ms Somerville was briefed by chief operating officer Jim Tomaney on Renovite’s plans for expansion and the payments software course the business is creating in collaboration with Fife College for the newly announced Fintech Skills Academy ’, which is scheduled to pilot in January 2019.

Earlier this year, an announced was made by the Scottish Government that Renovite Technologies received a £250,000 Regional Selective Assistance (RSA) grant from Scottish Enterprise for 28 new roles, three times the number currently employed by the payment specialist.

Jim Tomaney, chief operating officer, at Renovite Technologies said:

“We are grateful to Ms Somerville for her support and for taking the time to find out more about our plans for the business. It’s been a good year for us and we are looking forward to taking on a healthy number of new staff in the months ahead.

“In September, we launched Scotland’s first Fintech Skills Academy’ with Fife Council and Fintech Scotland which will be kicking-off in Fife College early next year. Today, we were able to give Ms Somerville a preview of what we are hoping to teach students and potential employees that sign-up to our specialist payments course, enabling them to hit the ground running.”

Dunfermline and West Fife MSP, Shirley-Anne Somerville added:

“As a growing hub of technology and innovation, it’s welcome news that companies are continuing to find new ways tap into Dunfermline and West Fife’s huge economic potential.

“Renovite’s growth plans, backed by their recently awarded Scottish Enterprise grant, will represent a substantial investment in the local economy, with the creation of new, highly skilled jobs.

“I’m delighted to see the company working with Fife College to help create new skills bases in our local area. Investing in young people will pay dividends in years to come, developing a workforce ready to take the lead in the fields of science and technology.”

Scotchain18 – not another blockchain event

THIRD ANNUAL SCOTCHAIN EVENT WILL FOCUS ON THE GRITTY ISSUES OF BLOCKCHAIN COSTS, COMPLEXITY, SCALABILITY, SECURITY AND PRIVACY.

Scotchain will once again be hosted at RBS Gogarburn in Edinburgh on 8th November and will ensure its not just another Blockchain event by tough talking on the challenges faced by industry in the race to embrace distributed ledger technologies.

MBN Solutions have proudly announced the line-up for their annual, not for profit, Blockchain event which will once again be hosted by RBS Gogarburn in Edinburgh. Unlike many Blockchain events which seem focused on the hype and hyperbole, MBN and Spiritus pride themselves in bringing Scotchain to life to help tackle the challenges and focus on the reality of how Blockchain can disrupt industry and bring about a step change in embracing disruptive innovation.

Susan Ramonat, Chief Executive of Spiritus Partners and event co- organiser said, “Each year, this event attracts some of the best speakers globally and this year is no exception. Scotchain always attracts world-class speakers, entrepreneurs and organisations who’ve got a ‘sleeves rolled up’ mindset. They’ll talk about what’s real and what’s actually happening. They also won’t pull punches about the hard challenges remaining to be tackled for blockchain to deliver value – to make good on its promise of transforming key elements of how enterprises, government, academia, and the third sector operate.”

Scotchain 18 will see this year’s event evolve to tackle challenging issues of how to get the most from this exciting and disruptive technology.

Chairman of MBN Solutions, Paul Forrest said “Attending Blockchain and practitioner events can be a lottery as the agenda often exposes much of the audience to little more than a Blockchain shop window’. Scotchain refuses to follow suit with a genuine desire to cut through the hype and hyperbole by assembling the world’s leading authorities on Blockchain and building an audience led agenda. With a focus on answering real questions about how to embrace such technologies, Scotchain will equip participants with valuable insight from those with genuine experience of bringing Blockchain solutions to the market.”

This year’s event will facilitate a deeper understanding of what Blockchain enables and supports – how it complements and extends the value of other disruptive technologies such as AI, machine learning and IoT, that are rapidly transforming our lives and society, and the extent of the regulatory environment in which it operates.

Kent Mackenzie, Deloitte’s Risk Advisory Leader for Fintech and RegTech stated, “The growth in interest and applicability of blockchain technology has gathered a huge amount of momentum over the last few years, with practical examples of this type of technology being used across a range of sectors from healthcare, to distribution, to financial services. This year I am particularly interested to explore the perspective regulators and policy makers are forming to ensure we set out a responsible yet conducive framework to allow more innovation to occur, but in a way that looks after the interests of the consumer and the end-user.”

Scotchain promises to be a gamechanger covering topics and subject matter ignored by most other events. With an agenda designed to challenge current knowledge and thinking and a panel session intended to provide deep insight, Scotchain 2018 is this year’s must attend Blockchain event.

Michael Young, Chief Executive of MBN Solutions said “Our event is open to all no matter what level of prior knowledge you have or from whatever sector you work in. As in previous years, there will be a healthy degree of networking and knowledge exchange between participants from across a range of sectors including fintech, healthcare, life sciences, manufacturing or energy; the arts, travel, tourism and entertainment. Whether you work in a hugely commercial business, the public sector, academia or a third sector venture, you will find something for you with our carefully assembled agenda.”

”‹Previous Scotchain events have showcased knowledge, success and engagement with Blockchain at a level rarely seen elsewhere. MBN believe much of this is due to the vibrant and thriving Blockchain and Data Science communities that exists in Scotland. With Scotland leading the way in this exciting disruptive technology, this event will extend the notion that Scotland is a genuine contender for the title of World Class Centre of Excellence’ when it comes to Blockchain and Distributed Ledger technologies.
Scotchain 2018 will take place on the 8thNovember at RBS Gogarburn, Edinburgh. For more details visit www.scotchain18.com
More about MBN Solutions
MBN Solutions is a leading recruitment and resourcing business based in Glasgow operating globally. With deep skills and expertise in the area of Big Data, Data Science, Insight & Analytics and Blockchain, MBN prides itself on finding the very best people for demanding clients seeking to solve complex data problems.

Equate Scotland launches a Careerhub designed to attract more women into science, technology and eng

According to the EY and Innovate Finance UK FinTech Census Report(2017) women make up only 29% of the UK’s FinTech sector and 17% of senior positions.

This is not surprising as both tech and finance have traditionally been male dominated fields. As such, these sectors have been limited in perspective and experience, but, the inclusion of more women and greater diversity in general offer fresh insights and ideas. After all, money and technology plays apart in everyone’s lives.

If you are able to identify a problem in the financial system and wonder how it can be improved through technology, FinTech may be career for you regardless of gender, age, race or background. But reaching a wider audience, especially for SME’s can be a challenge.

To address this Equate Scotland have launched the Careerhub. Scotland’s first job board specifically designed to recruit women into science, technology and engineering related roles.

Businesses are aware of both the economic and social benefits of having a diverse workforce, yet time and time again we hear employers say they would like to hire more women, they just simply don’t get applications from female candidates and this is reflective of their workforce. Yet, simultaneously employers say they can’t find people with the right skills.

Over the past 11 years, Equate have built up Scotland’s largest network of women in STEM and through speaking to our network we understand what women look for when applying for jobs. The Careerhuboffers employers advice on inclusive recruitment practice and tips on how to make their job description more appealing to female candidates.

Advertising through Equate offers companies an opportunity to be considered an employer of choice’ for women in STEM, demonstrating that they are actively taking steps towards creating an inclusive working environment.

We know there are qualified women in Scotland, but 73% with a STEM qualification leave their sector eventually. To attract and retain talent, employers need to ask why women are leaving and adapt their business model. There is no silver bullet to achieving gender parity in the sector but small consistent changes can transform culture and the perceptions of the industry.

As FinTech emerges as a leading sector for Scotland it has the opportunity to embed diversity from the beginning and contribute towards creating an inclusive, thriving economy.

Announcing The Scottish BREXIT Business Summit 2018

Paul Hooper is Head of Marketing for City & Financial Global Ltd

City & Financial have just announced a 0ne-Day Conference on 21st November 2018 in Edinburgh.

The objective of the summit is to examine the implications of Brexit for Scotland’s future in the round, including the critical devolution issue, how Scotland can preserve its important links with Europe and the various scenarios for trading in the post-Brexit future.

Building on the success of the BREXIT portfolio including The Post-Brexit UK Trade Policy Summit, The UK Financial Services BREXIT Summit, and The EU Withdrawal Bill Summit, this event will bring together leading experts from the Scottish and UK Governments, as well as representatives from a range of Scottish companies, in order to provide a cross-cutting view of the implications of Brexit for the future of the Scottish economy and how Scottish companies should be planning for it.

The event will also provide a forum in which industry can share its ideas and concerns with government.

The speaker line-up includes:

  • Michael Russell MSP,Cabinet Secretary for Government Business and Constitutional Relations

  • Adam Tomkins MSP,Scottish Parliament

  • Murdo Fraser MSP,Scottish Parliament and Member of Brexit Cross Party Group

  • Stephen Ingledew,Chief Executive, FinTech Scotland

  • Graeme Jones,Chief Executive, Scottish Financial Enterprise

  • Gary Marshall,Head of EMEA, Standard Life Aberdeen

  • Andrew McRae,Scottish Policy Chair, Federation of Small Businesses

  • Alexandra Renison,Head of Europe and Trade Policy, Institute of Directors

  • Neil Francis,Director- International Trade and Investment Operations, SDI

Key themes in the programme include:

  • The UK Government’s BREXIT plan

  • The Scottish Government’s perspective on BREXIT

  • The EU Withdrawal Bill and the devolution issue

  • The transition period and contingency planning

  • What does Scotland need from a Free Trade Agreement?

  • How will the proposed Free Trade Area in Goods work in practice?

  • Understanding the planned customs arrangements

  • Trade in financial and non-financial services: how will the UK Government’s expanded equivalence regime operate?

  • Global Britain’ and Global Scotland’: making allies and forging new trade relationships with other developed and developing countries

  • Freedom of movement and the long-awaited Immigration Bill

As demand for attendance at the event is likely to be high, early booking is recommended.

The full event programme and confirmed speakers can be viewed on the event website by clicking here.

We’ve agreed a discount with FinTech Scotland. When registering, use the code BREXSC1FT

Cost:
Delegate Fee: £495 + VAT. Discounted fee with code: £396.00 + VAT

Public Sector: £295 + VAT. Discounted fee with code: £236.00 + VAT

Small Company (less than 50 employees in company or group): £195 + VAT. Discounted fee with code: £156.00 + VAT