Insight

By John Ewart, Director and Investment Manager, Aubrey Capital Management Rising incomes, digital identity and mobile finance are changing who wins in emerging market banking, writes John Ewart of Aubrey Capital Management.

A financial planner has claimed the profession is struggling to attract younger earners and people who earn a lot but are not yet rich. Sam Patterson, head of proposition at Equilibrium Financial Planning, discussed the challenge the profession faces in attracting HENRYs, high earners, not rich yet,

The chair of Baillie Gifford US Growth Trust has called on retail investors to turn out in force to vote at next month's annual general meeting, warning that a low turnout could see Saba Capital Management take control of the trust. Tom Burnet told Scottish Financial News that retail investors are t

Financial planners have the knowledge to help clients understand their goals and protect their interests. “Rightly or wrongly,” most clients are high-net-worth individuals who are retired and have more time to think about what they want to save or how to use their assets.

Sandy Begbie has a message for anyone convinced artificial intelligence is about to wipe out entry-level jobs in Scottish financial services: it isn't happening, not yet, and not the way the debate suggests. "No one is saying to us that there's any major job losses," the Scottish Financial Enterpris

Not so long ago, opening a savings account meant receiving a passbook, a modest interest rate, and possibly a gift from the cashier. Today, it might mean securing a badge for a seven-day savings streak, or competing with friends on a leader board for the highest amount saved in a month.

Blair Milne, Glasgow-based Corporate Insolvency Partner at international accountancy and business advisory group Azets, discusses the latest Scottish corporate insolvency figures published this week. While the fall in corporate insolvencies is an encouraging sign, it would be wrong to interpret the

Scottish Financial News speaks to Teresa Gilligan about her career journey, Aberdeen's evolving energy industry and the opportunities facing Scotland's professional services sector. When Teresa Gilligan describes a journey that led to her joining independent UK accountancy and business advisory firm

Amie Brown, a senior associate in MFMac's Commercial Real Estate team, focuses on the impact recent reforms in upward-only rent reviews in England and Wales will have in Scotland. The recent decision to ban upward-only rent review clauses in English commercial leases marks a huge development in prop

Andy Burnham made his first significant speech as Prime Minister assumptive last week, vowing to create a “No10 North” to relocate power from Westminster into the hands of the people and places who can use it best. Aiming for “good growth in every postcode” and greater devolu

Wealth management experts are reporting a rise in enquiries from investors in Scotland worried about a cut in valuable tax relief typically used to plan for later life.

With phase one of Making Tax Digital (MTD) well underway, it’s essential that businesses are ready for the much-publicised changes, according to Esme Ball, tax manager at Hall Morrice. For many landlords, reporting to HMRC is traditionally a task that needs attention once a year, but the intro

Financial disputes do not always arise from complex lending structures or security arrangements. Sometimes they emerge from something far more fundamental: whether a contractual obligation to pay has actually become due. An issue which recurs in banking and finance transactions concerns the relation

Standard Life chief executive Andy Briggs has attempted to allay concerns about what the acquisition of rival pensions company Aegon UK will mean for the two businesses.  The £2 billion deal announced in April has left employees and the wider sector awaiting news of what impact the tie-up

Scottish Financial News speaks to Tom Faichnie, co-founder of Quantify Advisors, about eschewing the traditional path of big financial services to build an agile, relationship-driven corporate finance firm. In an era when multinational advisory practices can often feel process-driven and detached fr