You may have heard. In the UK the FCA are moving in on the ‘kick the can down the road’ world of Buy Now Pay Later easy credit (eg Klarna, Clearpay and the rest).

I’ve been getting under the skin of consumers in this area for a few months, but…


How do you design financial products that delight customers and keep the Financial Regulator happy ? That’s a challenge that financial services (FS) providers face globally. …


This opinion piece is a response to the failure of the Track and Trace App — there have been mistakes made — and these suggest shortcutting established UX design processes, possibly due to govt pressure, at some significant cost. …

Mark Hicks

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