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Written by Henry Murray-Smith, Market Town

“Imagine a contract where every January first, forever, I will give you one dollar. You can sell and transfer this contract. You want to sell this contract to Charlie. How much does he pay?”

This question is really asking “why is a dollar today worth more than a dollar tomorrow?” and is as fundamental to finance as a w...


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£12m investment accelerates launch of Agent Assure, closing the AI agent safety gap

Aveni, the UK’s leading AI fintech specialist in wealth management, financial advice and banking, today announced a £12 million funding round l...


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Funding backs a Scottish programme turning strengths into real‑world impact

The Financial Regulation Innovation Lab (FRIL), the UK’s centre of excellence for innovation in technology to efficiently meet financial regulation requirements, has secured £3.18 million from Scottish Enterprise to deliver three years of the award-winning programme. The f...


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Smart Data Foundry launches new Benefits Reliance Indicator using transactional data from 5 million bank accounts

Smart Data Foundry has launched a new data indicator designed to help policymakers, local authorities and researchers better understand where people may be coming under increasing financial pressure.

The new Benefits Reliance Indicator, available thro...


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By Shiyu Chen, behavioural scientist and founder at BehaviourAI Lab

Consumer Duty has reshaped the way financial services firms need to think about customer journey. The FCA’s shift from tick-box compliance to outcome-based evidence doesn’t come with sirens or warning, but it does change the ground we’re standing on.

What used to be a design preference ...


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