juergen.ruff.consulting (2023 Winner: Management Consulting Awards)

The Next Frontier: How Embedded Finance Is Transforming Accounting Services

By Philipp Buschmann, co-founder and CEO of AAZZUR Accounting might not be the most exciting part of running a business, but it’s essential. No founder launches a company dreaming about reconciling receipts or wrestling with R&D tax claims. Yet neglect i

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The Psychology of Debt: Rewiring the Brain for Financial Success

Some debt is normal and necessary, especially in challenging situations. However, many people struggle with debt shaped by emotional triggers and unhealthy habits. They can fall into these cycles when their desires override logic. Breaking down the mental proc

Asian businesswoman stands in front of café looking at a sign closing down, shutting down a small business.

Retail Closures: Finance Experts Advise Businesses to ‘Adapt and React’

The Centre of Retail Research predicted that as many as 17,000 shops could close throughout 2025, and October is set to add to this figure with numerous closures for the likes of Poundland, Halifax, and New Look. Factors such as increasing business costs, shif

Common Financial Mistakes That Derail High-Net-Worth Families

Wealth brings options, influence and complexity. Families who built fortunes often juggle operating companies, concentrated equity, trust, real estate and cross-border lives. The challenge is avoiding unforced errors that compound over time. In the U.S., the r

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Why More Construction Businesses Are Investing in Cryptocurrency

By Peter Curk, the CEO of ICONOMI Financial management within the construction industry has always been a matter of significant complexity. It’s not just a case of handling the day-to-day issues of profit, loss, cash flow, and funding faced by the majority o

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From Uncertainty to Opportunity: Why Buying Commercial Property Makes Sense Right Now

By Andy Jansons, an experienced entrepreneur with over four decades of experience in the commercial property industry. 2025 is a year that will go down in history for many things. The year AI became truly ubiquitous, a year of geopolitical realignment, a pivot

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From Bitcoin to Bank Cards: Why Customers Want It All at Checkout

The Checkout Is Where Trust Is Won or Lost The final step in shopping — the checkout — is often the most critical. Customers might love your products, but if they don’t find the right payment option, they are more likely to abandon their purchase. In tod

Fintech Product Development: A Deep Dive into 10 Leaders in Banking, Payments, and WealthTech

In the modern financial sector, a successful product development strategy requires deep domain expertise spanning multiple verticals, from core banking modernization to highly regulated payment flows. Building scalable solutions like neobanks, algorithmic trad

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

5 Practices to Make Your Fintech Business Stand Out

Fintech is one of the most competitive industries out there, with new players entering the market every year. Whether you’re a start-up or an established company, standing out takes more than having an innovative product. It’s about creating a stro

Why More Construction Businesses Are Investing in Cryptocurrency

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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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Wealtharc Now Connects to Over 140 Custodian Banks Worldwide, Solving the Toughest Data Challenge in AI-Driven Wealth and Asset Management

New-generation data feeds across Switzerland, the US, UK, Monaco, and the Bahamas mark a major leap in global coverage. WealthArc, the Swiss-born fintech revolutionizing wealth and asset management with AI-ready data infrastructure and intuitive portfolio mana

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Trustly and Paytweak Announce New Innovative Payment Solution for European Merchants

Trustly, the world’s industry leader in Account-to-Account (A2A) payments, announces the signing of a strategic partnership with Paytweak, a French fintech specialising in modern payment links. This 100% SEPA solution integrates Paytweak's smart payment conn

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The Psychology of Debt: Rewiring the Brain for Financial Success

Global Equity Income: Hunting Yield Without Giving Up Growth

The traditional investment narrative presents a stark choice: pursue growth through capital appreciation or seek income through dividends, but don't expect both. Growth investors accept minimal current income, betting on future share price increases. Income in

Inside JP Conte’s Playbook for Building a Highly Successful Career in Private Equity

Most private equity professionals will tell you there's no single formula for success, but JP Conte's journey from modest beginnings to managing partner of a San Francisco-based private equity firm offers a blueprint worth studying. Over several decades, he ha

Why You Should Invest in Silver Bars Coins in 2026

Silver has always been the “quiet achiever” of the precious metals world — overshadowed by gold yet consistently valuable, wildly versatile, and often dramatically undervalued. But in 2026, silver coins aren’t just a traditional store o

Free Making Tax Digital software for Landlords: What Changes and What to Do Now

Free Making Tax Digital software for Landlords: What Changes and What to Do NowGetGround's free HMRC-recognised software ensures landlords understand MTD for ITSA phases, thresholds, and the practical requirements of digital records and quarterly submissions.M

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Best Boutique Alternative Investment Firm 2025 – UK

The demand for alternative investment opportunities is on the rise, driven by a desire for stronger returns from investment portfolios. At the centre of this shift is New Capital Link, an award-winning alternative investment firm acting as an introducer to ass

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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

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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

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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

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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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Smart Ways Small Business Owners Can Prep For The Holiday Season

Getting ready for December is a big time of planning for small businesses. The holiday season, along with festive offers and deals, is a major commercial opportunity to end the year with a nice profit boost.Whether you run a boutique shop, an e-commerce brand,

Things You Should Know Before You Start Forex Trading

Forex trading (or trading foreign exchange) has become more accessible than ever. With just a laptop and an internet connection, you can start buying and selling currencies from anywhere.Yet, while it may look simple on the surface, forex is a fast-moving, hig

Retail Closures: Finance Experts Advise Businesses to ‘Adapt and React’

From Uncertainty to Opportunity: Why Buying Commercial Property Makes Sense Right Now

Image of a real estate agent offering house keys, symbolizing homeownership and new beginnings.

The True Cost of Homeownership: A Guide to the Expenses You’re Forgetting

Homeownership often seems like the ultimate financial milestone. However, it also requires significant preparation beyond finding affordable mortgage payments. Owning and caring for a home comes with several expenses that might surprise many buyers. Beyond the

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From Side Hustle to Funded Startup: Why I’ll Back You Before You Quit Your Day Job

By James Baker, Jersey-based award-winning entrepreneur and angel investor Startup culture loves the “burn your boats” mythology — the idea that true founders prove their commitment by quitting their jobs, going all in and betting everything on their vis

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

Purpose-Driven Entrepreneurship: Why Meaning Sells in 2025

Purpose-Driven‍‌‍‍‌‍‌‍‍‌ Entrepreneurship: Why Meaning Sells in 2025 Purpose in business is no longer considered an extra for a few companies, but rather a requirement that must be met. Customers are no longer just buyers

Common Financial Mistakes That Derail High-Net-Worth Families

AI Is Taking On Unfair Employers: Meet Grapple Law, The Automated Legal Fighter

The cost and complexity of hiring a solicitor often put legal recourse out of reach for everyday people. Now, that may be changing. Leading UK Employment Law firm, Monaco Solicitors, has launched a pioneering platform called Grapple Law, which functions as a f

The True Cost of Homeownership: A Guide to the Expenses You’re Forgetting

Finding the Best Mortgage Broker for Your Home Loan

Navigating the world of home loans can be overwhelming, especially with many options and factors to consider.A mortgage broker specialist acts as your trusted guide through the lending landscape.This article explains what mortgage brokers do, the key

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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

Tax Resolution for Small Businesses: What to Look for in a Tax Resolution Service, and 5 Best Firms

Managing taxes can be overwhelming for small businesses. Unpaid balances or missed filings are both stressful and financially draining. Fortunately, tax resolution services exist to help companies regain control and move forward with confidence.Understanding T

Getting Taxpayer and Stakeholder Feedback Is How Tax Policy Should Be Developed by HMRC

Electronic invoicing consultation invited businesses, sectors and advisors to all feed into new policy Getting taxpayer and stakeholder feedback is how tax policy should be developed by HMRC, say leading audit, tax and business advisory firm, Blick Rothenberg.

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New Data Reveals An Estimated £47 Million Saved by UK EV Drivers Renewing Road Tax Before April Deadline

1,467% surge in Vehicle Excise Duty (VED) renewals to secure final year of tax-free driving for electric cars. According to new research from cinch, the UK’s biggest online used car retailer, electric vehicle (EV) owners in the UK saved a potential £47,696,

Busines using a computer to complete Individual income tax return form online for tax payment.

Intuit Unveils New QuickBooks Solution Ahead of Making Tax Digital for Income Tax

Delivering simplified experiences, on a single platform, for an additional 1.88 million self assessment tax filers Intuit Inc., the global financial technology platform that makes Intuit TurboTax, Credit Karma, QuickBooks, and Mailchimp, announced that QuickB

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

Experimentation or Integration? Expert Predictions for Fintech in 2026

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

Cloud Backup: The Smartest Financial Investment Your Business Can Make

Imagine walking into your office to find every customer record, financial document, and project file wiped out. Not by a natural disaster or theft, but by a single corrupted update or malicious line of code. For businesses without robust protection, this isn&r

Two-Factor Authentication and Why It’s Important in Online Money Transfers

Within the past decade, we have watched as fintech platforms and firms took the global financial industry by storm. Basically, they have revolutionised every aspect of finance, including online money transfers, savings, investment, and payments, with various d

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Management Consulting Awards 2023

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