Beyond Encryption

In the first episode of The Formative Economy podcast, Emily Boxall from 2mins/MicroFact unpacks why financial education is as much a design problem as it is an issue of motivation.

What does being 'exit-ready' look like in practice? It’s about whether a business can show that it delivers value consistently, keeps costs under control, and doesn’t rely on manual workarounds to hold everything together.

Digital convenience has raised the bar in private banking. But in consequential moments, clients still need something more than speed.

Energy bills are complex, but it's important that customers can understand them.

Worried that digital ID means sharing more data? For a lot of everyday checks, the opposite can be true.

Is AI the shiny new intern?

Dougie Robb on identifying localised financial distress through smart data ⬇️

Most people see data protection as a pop-up to get past - not as part of being looked after. Is that changing?

Late last year, we spoke with Leon Ward, CEO of Money Ready. He shared how they’re helping young people build real-world financial fluency across classrooms, youth clubs, and workplaces.

LLMs aren’t a fad. They’re a step change in how quickly large organisations can work - and who gets to use the tools.

AI in cybersecurity: a powerful force for good - or a potential threat?

If customers say “I understand this” but still don’t move to “I can do this”, it’s a sign your behavioural insight isn’t truly driving action.

🔍 In our latest podcast episode, Matt Beattie, Co-Founder of BeyondFS, joins us to share what he is seeing on the ground - from the growing use of AI in fraud, to the pressures firms face as regulations shift and threats become harder to predict.

❓Can security and user experience coexist? In this bonus pod, PM Harry Holland breaks down how Mailock’s Guest Reply feature cuts friction without compromising trust. 🎧 Listen now – everywhere you get your podcasts.

📊 Are your customers really understanding the numbers you’re sharing? In this episode of the podcast, we sat down with Ben Perkins, Director of Partnerships & Services at Plain Numbers, to explore one of the most overlooked barriers to customer understanding: numeracy.

📬 Are you sure your client comms are actually secure? In the latest episode of the podcast, Sam Kendall chats with Chantal Constable from NCC Group about the simple ways firms put sensitive information at risk - and what you can do to keep things safe.

🚨How would your team respond to a data breach or crisis? How would they communicate it to your customers?

Email just got an upgrade… 🔐

💬 Is your customer communication keeping up with changing regulations? In this episode of our podcast, we sit down with Karen Peters from SEFAS, a consultant who helps financial firms simplify, streamline, and stay compliant when it comes to customer communications.

Your weekly reminder that your customers’ account with your business isn’t the only one they have to manage…