Wealth & Finance August 2016 - Wealth & Finance International

Female Stock Broker Analyzing Market Trends

AI Wrong Roughly Two Out of Three Times When Telling Users Online Broker Not a Scam

16.1 million UK adults have already turned to AI for financial advice, with usage peaking among Millennials and Gen Z, a BrokerChooser survey reveals. The nationwide survey of 2,000 UK adults also found that over a third are using AI to compare investment

Man holding smartphone in hand and working on laptop, financial bitcoin crypto graph data trade.

Crypto Is No Longer Competing With Itself: It’s Competing With Traditional Investing

By Peter Curk, CEO of ICONOMI Not so long ago, competition in crypto was mostly an internal affair; Bitcoin versus Ethereum, Ethereum versus Solana. The narrative revolved around which would secure the greatest investor base, which was faster, cheaper, more sc

Salary sacrifice with coins from savings jar, calculator and glasses

Don’t Be Scared by the Headlines, There Is Still Time to Benefit From Salary Sacrifice

With impending changes to utilising salary sacrifice for pension contributions currently in the headlines, employers should not let this put them off from continuing, or setting up, this valuable employee benefit, according to the pension experts at Everywhen,

female employee smiling when she receive salary from boss.

Why We Still Get Salary Sacrifice Wrong

By Thom Groot, CEO, The Electric Car Scheme A recent Scottish Widows survey found that 22% of British employees had never heard of salary sacrifice. That is a striking finding for a mechanism that has been part of the UK's tax and employment framework for dec

Making trading online on the smart phone. New ways to make economy and trading

How Social Media Is Rewiring Your Relationship With Money and Who It Harms Most

By Peter Visser, co-founder and director of The Trading Cafe, a school reshaping trading education by combining financial expertise with proven teaching methodology. With a background in marketing and a degree in Business Administration, Peter has spent his ca

A woman holding a pencil and using a calculator to add up her receipts.

How Women can Boost their Finances this Year

By Emma Layton, Financial Adviser, Salmon Financial Planning, a Partner Practice of St. James's Place Life is busy and we're constantly feeling the pressure of making sure we exercise enough, eat well, rest more, remember self-care. The list goes on. Whilst we

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AI Wrong Roughly Two Out of Three Times When Telling Users Online Broker Not a Scam

How Does Digital Signature Security Work?

In an increasingly digital world, the need for secure and reliable methods of signing documents has become essential. Businesses, governments, and individuals are moving away from paper-based processes and adopting digital solutions that offer speed, convenien

The Ultimate Guide to Using a Credit Card for Crypto Transactions in 2026

Understanding Credit Card Usage in the Modern Financial Landscape In 2026, a credit card is more than just a payment tool—it’s a gateway to new financial opportunities, including the rapidly expanding world of cryptocurrency. With the surge in digital curr

Crypto Is No Longer Competing With Itself: It’s Competing With Traditional Investing

How to protect your personal finance data at home

As we store more personal information online, cybercriminals are becoming increasingly adept at exploiting weaknesses. One vulnerable spot many overlook is their home network, where sensitive data could be at risk without the right precautions. Understanding t

5 Key Tips on Revenue Management for Modern Digital Finance

In the dynamic landscape of digital business, revenue is no longer a simple output of transactions. For finance leaders and business owners, the term "revenue control" has evolved far beyond just tracking income and expenses. It now encompasses the ability to

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Why Commercial Banks Matter to Local Economies

Commercial banks do far more than hold deposits and process payments; they act as financial hubs that keep local economies moving. By connecting local savings with local credit, they help businesses access the capital they need to grow—and that’s where the

How AI Agents for Banking Work With Personal Loan Tracking

In practice, personal loan tracking is more complex than checking payment history. Data lives in several systems, timing isn’t always aligned, and different teams interpret the same customer data differently. As loan portfolios grow, this complexity turn

A First-Time Buyer’s Guide to Understanding Home Loans

Buying your first home is definitely an emotional milestone. But the process can feel overwhelming. The entire roller coaster of home loans and their complexities is difficult to understand for a first-time buyer. And it is normal! Whether you’re looking at

How to Find the Best Home Equity Loan in Your Area: What to Compare, and Which Questions to Ask

Exploring home equity loan options unlocks one of the most innovative ways to use your home’s value to your advantage. A home equity loan lets you borrow against the equity you have built and turn it into funding for home renovations, debt consolidation or i

Payment Processing as a Growth Engine: Core Metrics Finance Pros Should Track

Growth does not happen by accident. Companies build momentum when they understand how money moves through their systems. Payment processing is often treated as a back-end function, but it can be a driver of scale when tracked carefully. Finance pros know that

How to Find and Hire the Right Financial Professionals for Your Business

How to Find and Hire the Right Financial Professionals for Your BusinessRunning a business without proper financial guidance is like navigating without a compass. You might stumble in the right direction for a while, but eventually, you'll need someone who kno

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The Factors That Influence How People Spend

Consumer spending is often discussed as if it were a straightforward reaction to price, income, or inflation. Those factors clearly matter, especially in periods of economic uncertainty, but they are only part of the picture. In reality, spending decisions are

AI Wrong Roughly Two Out of Three Times When Telling Users Online Broker Not a Scam

7 Must-Attend Treasury & Finance Conferences in 2026

Financial markets are constantly evolving, with new technologies, regulations, and economic shifts reshaping how finance teams operate. As a result, attending the right conferences has become an important way for professionals to stay informed, build connectio

How to Open a Business in the UK: From Registration to Revenue

Starting a business in the UK is an ambitious move that requires a mix of creativity and administrative precision. Whether you’re launching a tech firm in London or a manufacturing hub in Birmingham, the journey from a simple idea to a revenue-generating com

Nicholas Mukhtar on the Hidden Cost of Short-Term Wins in Family-Owned Businesses

Only 30% of family-owned businesses survive to the second generation. Just 12% reach the third, and 3% operate into the fourth, according to the Small Business Administration. When a family business fails to cross generations, the most common cause isn't a bad

Why We Still Get Salary Sacrifice Wrong

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Can Part-Time Workers Apply for Small Loans in Singapore?

Many part-time workers in Singapore wonder if they can qualify for small loans to manage short-term expenses or build financial stability. Yes, part-time workers can apply for small loans in Singapore, but approval depends on income level, job consistency, and

Evaluating 5 Top Outsourced CCO Services for Hedge Funds

For hedge funds, regulatory compliance is crucial to operational success, investor trust and legal safety. Maintaining rigorous compliance programs is often the task of a chief compliance officer (CCO). However, while necessary, this position is often expensiv

Male accountant or banker use calculator.

UK Government Commences Crackdown on Late Payment Crisis, Amid Half of Supplier Invoices Being Paid Late

As the Prime Minister announces a crackdown on persistent late payers, a study highlights that half of all supplier invoices are paid late, costing the UK economy £11bn annually and contributing to the closure of 38 businesses every day. Sir Keir Starmer’s

Young entrepreneur captivates investors with innovative pitch idea in cafe

Why We Need a New Approach to Startup Funding

Dr Ardin Ramani, PhD, founder and CEO of Akadia Group It’s common knowledge that gaining startup funding is hard. Venture capital (VC) has easily become the dominant model, which leaves startups fighting to prove their worth. And only those that fit within t

Two in Five Finance Brokers Expect Surge in SME Demand for Loans Over £100,000 in Next Year, as Recession Fears Ease

New research reveals two in five (42%) SME finance brokers expect demand for loans above £100,000 to surge in the next year SMEs requesting large loans to realise growth targets –– a quarter (26%) of brokers say that firms are applying for loans over £10

British Pounds, Calculator and Money File

UK Cash Savings Surge to Record £2.05 trillion Leaving Savers Heavily Exposed to Falling Interest Rates

Cash savings have risen £51bn year-to-date to reach £2.05 trillion* Cash savings are now worth 80% of UK National Debt But despite high interest rates, cash has returned less than a third of that returned by stocks and shares this year Savers have missed out

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Understanding Ghost Assets in Your Fixed Asset Register

Ghost assets in your fixed asset register lead to financial inaccuracies and inefficient operations. Find out how software can uncover and prevent them.Despite featuring in nightmares and horror stories for millennia, ghosts tend to be rather harmless. But gho

DEX Trading Is Growing — So Is the Need to Track It

In February 2026, Vitalik Buterin sold approximately 17,000 ETH through CoW Protocol — a decentralized exchange aggregator that routes orders across multiple liquidity sources to achieve optimal execution pricing. He did not use Coinbase. He did not use

The CFO’s Guide to Vetting and Hiring an Economic Speaker for Current Market Insights

The economy is changing fast. Inflation, global trade shifts, new tech and international relations can make it challenging for companies to plan ahead. For CFOs, staying informed is critical. Working with an economic speaker can help executives and their teams

Top EOR Companies for Simplifying International Employee Onboarding

Bringing on international employees involves far more than extending an offer letter. Every new hire in a foreign market triggers locally compliant contracts, jurisdiction-specific tax registrations, mandatory benefits enrollment, and currency-specific payroll

The Hidden COGS Crisis: How Shipping Costs Are Eroding Small Business Margins in 2026

Major carriers have updated their rate structures for 2026. Small business owners should understand how those changes will impact the cost of goods sold (COGS) for their ongoing budgets. Financial advisors can learn how shipping fees affect entrepreneurs and h

A Strategic Guide to Donating Appreciated Stock and Minimizing Tax Bills

For high-income individuals, donating is an act of kindness and a strategic move. Being strategic with charitable acts can maximize philanthropic impact while minimizing tax liability. One of the most underutilized methods for this is donating appreciated stoc

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AI Wrong Roughly Two Out of Three Times When Telling Users Online Broker Not a Scam

7 Must-Attend Treasury & Finance Conferences in 2026

Life Insurance vs Critical Illness Cover

Life insurance and critical illness cover have plenty in common. They can help protect your loved ones from financial hardships should the unexpected happen. However, when broken down, they serve distinct purposes. Read on to learn how they both work and where

Don’t Be Scared by the Headlines, There Is Still Time to Benefit From Salary Sacrifice

Breaking Down the German Pension Refund Process for Non-EU Citizens

For many people who have worked in Germany, pension contributions are something they only start thinking about after they leave. While living and working in the country, deductions happen automatically, and most employees don’t question where that money

Why You Should Not Ignore Small Debts That Can Hurt Your Credit Score

Not all individuals believe that minor debts are not significant and cannot impact their general financial well being. These are little commitments that may appear to be easy to ignore initially but as time goes on they may cause severe issues to your credit s

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How Financial Advisers Can Simplify Tax Planning for Clients

Financial advisers have a significant role to play so that clients do not struggle with tax responsibilities leading to unjustifiable stress. Taxation regulations are always evolving and most of the people can hardly keep up with new regulations, deductions an

A Strategic Guide to Donating Appreciated Stock and Minimizing Tax Bills

Closeup woman filling form of Individual Income Tax Return,

Tax Return Deadline 2026: The Final Annual Self-Assessment Before Making Tax Digital Goes Live

As the 31st of January tax return deadline rapidly approaches, this will be the final submission before major changes to the self-assessment process are introduced. From April 2026, as part of the government’s plans to modernise the tax system, self-employed

Businessman, hands or finance with calculator or documents for project budget or expenses in office.

Making Tax Digital Is Days Away and Some People Still Likely to Be Caught Out

Affinia, the UK’s fastest growing accountancy firm, is urging sole traders, landlords and small business owners to act now on “Making Tax Digital” (MTD), warning that many people who assume the rules do not apply to them could be caught by the forthcomin

Who Are the Top Experts on Section 174?

When it comes to navigating the complexities of Section 174 — a key part of the U.S. tax code that governs research and development (R&D) expenses — businesses can’t afford to take chances. Since the 2022 changes that required companies t

Tax deduction planning concept. Businessman calculating business balance prepare tax reduction.

Why Does R&D Continue to Be a Missed Opportunity in the UK Mid-Market?

By Shenal Wijetunge, Tax Partner and R&D Specialist at Dow Schofield Watts Despite rising levels of innovation spending across the UK, many mid-market firms continue to miss out on the benefits of R&D tax relief. This is concerning, given that the reli

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Finance manager meeting discussing company growth

Meta Scam Ads Soar: Over 2 in 5 Finance Ads in the UK Flagged ‘High Risk’

Social media has now overtaken email as the UK’s top scam channel, accounting for over a third (34%) of reported online scam incidents. In 2025 alone, social media platforms have raked in a massive £430 million from criminals targeting British consumers wit

Protecting Sensitive Client Data with Stronger Access Controls

Law firms usually deal with highly sensitive data, and they have to ensure confidentiality at all times. With the increasing use of technology, many firms are struggling with data confidentiality as they still want to break their silos and optimise collaborati

Why Financial Education Attracts So Many Scammers – And How to Spot Them

People seek financial education because they want more financial stability. While some are simply looking to build wealth or a nest egg for their children, others are working all hours just to make ends meet. And learning how to trade, whether stocks and share

Experimentation or Integration? Expert Predictions for Fintech in 2026

2026 is poised to be a big year for fintech, both for individual users and UK firms. New governmental support emerging for fintech innovators in the UK will lead to expanded use cases for new technologies, while tightening rules for users will provide increase

Cyber Security Breaches and Insurance: A Small Business Checklist

Cyber breaches happen only to big corporations. Small business owners are equally, if not more, at risk. The key to guarding against information theft, loss of money, and damage to reputation is a good cyber security policy. Insurance can accompany it and act

Microwave vs. Fiber: The Network Showdown Reshaping Financial Markets

The invisible infrastructure war between microwave and fiber networks is transforming global finance at its core. As trading algorithms grow more sophisticated, the battle for transmission supremacy has become a zero-sum game where nanoseconds determine profit

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