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Artificial Intelligence

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AI Is Only as Smart as Your Reporting: Fix the Foundation First

In early 2025, Monzo -one of the UK’s most prominent digital banks -found itself in the headlines. Its AI-driven fraud detection system, designed to proactively flag Authorised Push Payment (APP) fraud, mistakenly blocked thousands of legitimate transactions. The fallout was immediate: disrupted customers, reputational damage, and serious questions about oversight. To be clear, Monzo is […]

Panintelligence

12th June 2025

Data visulization, Embedded Analytics

Why Most Affordability Models Fail Explainability Standards

Most lenders believe their affordability models are compliant. They are not. If you cannot explain how your model makes a decision within seconds, you are already misaligned with FCA expectations. The FCA’s Data First Strategy at makes one point painfully clear. Black box decisioning is no longer tolerated in UK financial services. Yet most firms continue […]

Charlotte Bailey

23rd December 2025

Data and security, Data visulization

How to Turn Compliance Data Into Commercial Insight

If you are treating compliance data as something you tidy up for the regulator rather than something you exploit for competitive advantage, you are already losing ground to firms who are not. Your organisation is generating insights that most businesses pay consultants to uncover, yet you are ignoring them because you believe they belong to […]

Charlotte Bailey

18th December 2025

Data visulization, Fintech

A Five Step Blueprint for Becoming FCA Evidence Ready by 2026

If you are waiting for the FCA to tell you that your evidence is not good enough, you are already too late. The regulator has been unequivocal in its Strategy 2025 to 2030. It expects firms to demonstrate outcomes with accuracy, traceability, and consistency. Evidence is no longer a supporting asset. It is the basis on which […]

Charlotte Bailey

11th December 2025

Embedded Analytics, SaaS

Spreadsheet Based Compliance Is Dead: What High Performing Firms Are Doing Instead

If spreadsheets still sit at the heart of your compliance process, you already know your controls are not fit for purpose. The question is why you continue to trust tools that cannot provide the evidence your regulator now demands. Many firms still rely heavily on spreadsheets because they are familiar, flexible, and close at hand. But […]

Charlotte Bailey

28th November 2025

Data and security, Fintech

The Cost of Fragmented Data: How Legacy Systems Are Creating FCA Data Compliance Risk

Most firms underestimate how much FCA data compliance risk is hiding inside their data. You may believe your organisation has manageable challenges with fragmented systems, inconsistent definitions, or siloed reporting. What you may not have acknowledged is that these weaknesses are no longer operational flaws. They are regulatory exposures. The FCA’s 2025 to 2030 Strategy […]

Charlotte Bailey

21st November 2025

SaaS

The Real Cost of Buying Software: Why SaaS Vendors Need an Analytics Partner That Works Inside and Out

For SaaS vendors, choosing the right analytics platform is one of the most strategic decisions you will ever make. Analytics isn’t just a reporting layer - it’s the engine that drives business intelligence, customer value, and product differentiation. Whether you’re using analytics internally to steer growth or embedding insights into your SaaS product, the stakes […]

Charlotte Bailey

13th November 2025

Thought Leadership

How Long Do You Think You’ll Live? You’re Probably Wrong

Last night I went to an AWS meeting where we predominantly discussed AI. That would not have happened five years ago. Back then, AI was niche, experimental, and far from the mainstream of business conversations. Now, it is a central theme shaping strategy, capability, and careers. That shift is not unique to AI. In technology, […]

Charlotte Bailey

24th September 2025

SaaS

Why SaaS Metrics Are the Key to Forecasting in Volatile Markets?

Its that time of year again. The nights are drawing in, the kids are back at school, big coats are making their annual appearance, and mince pies are quietly reappearing on supermarket shelves. For those of us running SaaS businesses, it can only mean one thing: budget season. This is the point in the year […]

Charlotte Bailey

16th September 2025

Artificial Intelligence, Data visulization

GPT-5’s ‘Chart Crime’ Shows Why Dashboards Need More Than AI

When OpenAI launched GPT-5, it should have been a milestone in AI innovation. Instead, within a day, users were asking for the old GPT-4o back. The “real-time router”, a feature designed to decide when the AI should think deeply versus respond quickly, often made the wrong call. The result was a model that felt less […]

Charlotte Bailey

11th August 2025