opinion

'Permanent, cultural shift within firms'

'We shouldn't solve one problem by creating another'

'September is a starting point, not the finish line'

'There are still some firms that are treating Consumer Duty as a rigid one-off annual exercise'

'Co-manufacturing is not a product decision. It is a relationship decision'

Three assumptions keeping the protection gap alive

'Regular reviews will still play an important role, but clients' lives do not follow a servicing calendar'

'In a market dominated by a single narrative, looking beyond today's leaders is not a contrarian stance'

'The current system can unintentionally create a false sense of reassurance'

'The scrutiny of the sector is to be welcomed'