This paper explores the intersection of regulation, innovation and technology in financial services, and looks to provide insights and practical support to help firms adapt and thrive in a rapidly changing environment.

This report reveals the behaviours, challenges and sentiments of people using Buy Now Pay Later (BNPL) services, providing insights and recommendations to craft tailored products and services that meet their needs.

This series continues to explore the intersection of technology and financial services, offering insights and practical support to help firms, especially credit unions, adapt and thrive in a rapidly changing environment. Building on the foundation of our first report, the insights of this publication have been developed in collaboration with leaders from credit unions, FinTech specialists, and technology providers leading innovation in the sector. Our aim is to address the specific challenges and opportunities credit unions face, highlighting key tech advancements to drive growth and enhance service offerings.

This report is the result of extensive collaboration and engagement with industry leaders, small and medium-sized financial advisers, and fintech innovators. Our objective is to provide a comprehensive analysis of the current market dynamics, summarise key technological advancements, and offer actionable strategies for successful technology adoption.

This report provides a deep understanding of consumer behaviours, challenges and sentiments relating to financial inclusion, wellness and literacy in underserved communities.