https://hellawell.com/insights Longer-form thinking on banking transformation, organisational design, credit risk, embedded finance and regulatory change. en-GB Fri, 17 Jul 2026 12:00:38 +0000 https://hellawell.com/insights/consumer-duty-evidence-tax https://hellawell.com/insights/consumer-duty-evidence-tax Thu, 16 Jul 2026 09:00:00 +0000 Consumer Duty Consumer Duty isn't testing products, it's testing organisational design. Why the hardest part of proving good customer outcomes is finding the evidence. https://hellawell.com/insights/agentic-lending https://hellawell.com/insights/agentic-lending Tue, 07 Jul 2026 09:00:00 +0000 Credit Risk Automated lending is decades old. Agentic lending is different. When a system gathers its own evidence and acts in milliseconds, the question is whether anyone can reconstruct the decision. https://hellawell.com/insights/credit-underwriting-craft https://hellawell.com/insights/credit-underwriting-craft Wed, 01 Jul 2026 09:00:00 +0000 Credit Risk Banks are handing lending decisions to machines and calling it progress. But lending was never a problem with a right answer waiting to be calculated. This is the long version of why. https://hellawell.com/insights/embedded-fintech-value-chains https://hellawell.com/insights/embedded-fintech-value-chains Tue, 16 Jun 2026 09:00:00 +0000 Embedded Finance Embedded finance is not about blurring boundaries between banks and platforms. It is about where the margin goes, and who is built to capture it.