Connect with us

Banking

SHARING SENTIMENT – A YEAR OF ONLINE ATTITUDES TOWARDS BANKS

Published

on

Colin Bristow

In 2013, a unique collaborative project between SAS, the leader in business analytics, and Deloitte was launched. SentsCheck is a new social sentiment analysis index of customers’ opinions about the banking industry.  Colin Bristow, retail banking consultant at SAS UK & Ireland, reviews this first year of the SentsCheck initiative and discusses how sentiment towards banks has changed during the period.

Scandals, glitches, mishaps and mis-selling have meant banks have stolen the headlines over the last year. After banking trust hit an all-time low in the wake of the economic crash followed by banking bailouts, the industry has been hard pressed to restore faith.

Colin Bristow

Colin Bristow

From the start of 2013, SAS and Deloitte began tracking and analysing social media to gather insight into the perception of the UK’s high street banks by the online community. SentsCheck provides a fresh perspective into the events and experiences that affect consumer sentiment. It identifies key ‘pain’ points and moments of truth for UK banking consumers, pinpointing when they occur.

Since it began analysing online commentary, SentsCheck has scanned over 1.2 million relevant social and news media documents. From this huge volume of ‘expressions’ of sentiment, three key customer priorities were identified; value, customer experience and trust. SentsCheck monitors how sentiment fluctuates against these three categorisations, measuring sentiment on a scale from 0 to 100, with 50 taken as neutral. With the categories and scoring system defined, an assessment of banks performance measured against online sentiment can be undertaken.

The first quarter

The Q1 2013 report set the foundations for each priority area for the year and found that of the three categories, trust in banks scored the lowest. The scale of anti-bank sentiment was shown by negative sentiment across all three categories outweighing positive sentiment by over 50 points. This report discovered that trust generated an average sentiment score of just 32.

Typically the news agenda drives the nature of online conversation and between January and March 2013 banks struggled with a number of incidents that drove customer sentiment lower. The main topics that fostered negative sentiment included fallout from Payment Protection Insurance (PPI) and interest rate swap mis-selling, LIBOR rate-rigging and concerns around senior banker pay.

Throughout the first three months of the year, customer experience sentiment was the most positive, although still scored below neutral, with an average SentsCheck index value of 40. Social media engagement actually boosted banks standing as customers’ left positive feedback on Twitter help-desk pages.

The first report also unearthed differences in behaviour between traditional and social media. It found that where traditional media quietens down towards the end of the week, consumers tend to take to social media to talk about their bank on Thursdays and Fridays. It also seems that consumers tend to start their day by sending out negative sentiments online about banks, with sentiment at its most negative at 8am in the morning.

Second quarter

From April through June this year, SentsCheck found that the aggregate sentiment score towards banks increased by six per cent, from 29.6 to 31.3. As the banks posted better than expected financial results and worked towards reclaiming banker bonuses, they were able to garner improved sentiment online.

Despite this slight improvement, sentiment remained negative on the whole as ongoing issues around PPI penalties, job cuts across the industry and a failed bank acquisition were responsible for encouraging negative sentiment across the various social media platforms that are monitored.

Throughout the second quarter SentsCheck measured value as the worst performing of the three customer priorities. Leading the charge on criticism was traditional media rather than consumers, although between them they were able to produce negative expressions at a rate of three to every one positive expression, with PPI fines a major source for online discussion.

Further negativity was accrued in the customer experience category where sentiment decreased by over nine per cent as long waiting times, IT failures and online banking glitches rallied consumers to complain about the banks on social media platforms.

Third Quarter

As the year progressed, sentiment gradually increased which was proof that banks had started to tackle some of the problems that were driving negative sentiment. For the first time since the index began, traditional media outlets produced more approving comments about banks over social media users.

September saw the introduction of new account switching regulations, placing huge pressure on banks to improve customer services in order to retain and attract new customers. SAS conducted consumer research at the time and found that as many as five million current account holders may switch their account provider over the next year. The good news for banks was that sentiment around customer experience actually improved over this period, accounting for the highest volumes of positive sentiment in the quarter.

Sentiment around trust showed a real upswing, as there was a significant decrease in the amount of negative comments relating to bank trustworthiness. Over the quarter, negative sentiment relating to trust dropped 22 per cent.

Continuing the theme of reacting to legislation, social media users did react positively to government schemes that supported homebuyers and lowered mortgage rates. However, PPI continued to rear its head as a cause for negative sentiment, despite the number of complaints about the product to the Financial Conduct Authority falling by almost 20 per cent compared to the same quarter 2012.

Fourth Quarter

In the last quarter of the year sentiment continued its gradual climb, reaching the highest point for the year at 39.0, a seven per cent increase on Q3. Banks signing up to the government’s Help to Buy scheme, mortgage lending hitting a five-year high, account switching services and new innovations around mobile banking and cheque-cashing fuelled this optimism. The most positive day coincided with three banks announcing they would join the Help to Buy scheme.

However, high-profile bank fines, executive scandals and banks facing balance sheet problems ensured that negative sentiment still outweighed positive. Quarterly results attracted some of the largest criticism, as the huge impact of PPI provisioning on profitability became clear.

The consumer facing benefits of Help to Buy and improvement in savings rates meant social media was the real driver behind the increased positivity around banks. However, thanks to IT glitches around the busy Christmas shopping period, social media remained the outlet to complain about poor service.

This quarter marked the largest divergence between social sentiment and news sentiment. Whilst coverage intensified, with a 20 per cent increase in articles, media sentiment remained broadly unchanged. Journalists’ attention was captured by an executive scandal, falling rates on personal loans, and fines related to the sub-prime mortgage crisis. This divergence suggests that bloggers and twitter users are making up their own mind on customer experience.

A year in review

The SentsCheck index has proved to be a unique barometer of public sentiment towards the high street banks. The insight it provides into events that encourage online discussion is highly valuable for the banking industry. Reviewing the 2013 data we can see that over the course of the year banks have made progress in reducing the amount of negative sentiment that appears online.

However, this is a trend they will be hard pressed to continue in 2014. In the first few months of the year we have already seen outcry over data breaches, IT glitches, jobs cuts and branch closures as well as the long awaited charges over the LIBOR rigging scandal.

There remains a significant amount of work to do to improve sentiment and reputation across the banking industry. Scores across all three of the customer priorities still remains well below a neutral index score, and topics such as PPI have, and will continue to, negatively affect sentiment for UK banks.

Banks can take heart from the improving opinions around customer experience. New online and mobile services have been welcomed and banks can use this platform for continuing improvement throughout 2014. As social media becomes increasingly intertwined with our day-to-day lives and as social media platforms increase user bases year on year, banks will have to adapt, listen and communicate with their customers through this unique channel. As the number of high-street branches continues to dwindle, social media will become an increasingly important point of contact for banks. It is essential these organisations begin to understand best practices for social media engagement or they risk adding to the negative sentiment levied at them.

Banking

The future of offshore banking

Published

on

The future of offshore banking 1

By Granville Turner, Director at Turner Little.

Despite its misconceptions, the popularity of offshore banking is growing. Not only is it a perfectly legal way of holding your money, but with the right professional advice, it is also reassuringly simple to open an account.

This ease-of-use is prompting many offshore banks to change their offering to compete and make overseas banking even more accessible. No longer is it limited to just the super-rich.

So, what does the future look like for offshore banks? We’ve compiled a list of the top fundamental changes happening in the realm of offshore banking.

Catering to niche markets is the future

Rather than managing account holder’s money in general, offshore banks are tapping into how they can best serve different demographics. Essentially, it is about taking a more bespoke approach to managing money at various stages of life.

But catering to a variety of markets doesn’t just stop there. Many overseas banks are now accepting crypto as a form of currency to appeal to digital, tech-savvy generations.

Cryptocurrency is also attractive for those who see the security benefits it can offer.

Paper chains are fast becoming a thing of the past

As banks move away from paper in favour of digital, security is on everyone’s minds. This is because information is an important asset to many businesses, so protecting it is vital. As such, banks are securing data with the most vigorous encryption security standards.

For account holders, this means digital bank transfers and communication become less of a risk and the smarter thing to do. Paper chains are fast becoming a thing of the past.

Instant access, day or night

In today’s digital world, you don’t need to travel overseas to open an offshore bank account; everything can be done online or over the phone. And like most UK standard current accounts, many offshore accounts now offer online and mobile banking features. So account holders can manage their offshore finances and investments while transferring funds with ease.

Branchless banking

Offshore banks are following the same route of challenging onshore banks by going branchless. This offers substantial benefits for account holders, as branchless offshore banks don’t pass on as much overhead costs to the customer. Ultimately, this means customers can earn better interest rates and other returns on their investments.

Happy to help

At Turner Little, we work closely with offshore banks to provide you with quality service tailored to your needs. With over 20 years of international banking experience and specialist expert knowledge, we will assist you with your enquiries, no matter how complex. And every account we arrange comes with internet banking, card facilities and the ability to transact internationally.

Continue Reading

Banking

Hong Kong’s First Multi-Cloud Challenger Bank Goes Live with Temenos

Published

on

Hong Kong’s First Multi-Cloud Challenger Bank Goes Live with Temenos 2
  • WeLab Bank designed, built and launched using cloud-native Temenos Transact in less than 10 months
  • WeLab offers next generational digital services for the 7.5m people in Hong Kong to access from their mobile phones
  • Customers can open accounts remotely in just 5 minutes with bank reporting 10,000 account openings within 10 days of launch

Temenos (SIX: TEMN), the banking software company, today announced that WeLab Bank, Hong Kong’s first homegrown virtual bank, has publicly launched using cloud-native Temenos Transact to provide a range of next generation digital services for customers to enjoy 24/7 from their mobile phones. Designed, built and launched in less than 10 months, the fully digital bank has seen rapid take up with a reported 10,000 account openings within the first 10 days of launch.

WeLab Bank is powered by cloud agnostic Temenos Transact for core banking along with Temenos Analytics and Financial Crime Mitigation. Implemented on Amazon Web Services and Google Cloud, WeLab is the first multi cloud digital bank in Hong Kong. Operating on multiple clouds at the same time gives WeLab increased operational resilience and disaster recovery capability and is a regulatory requirement of the Hong Kong Monetary Authority for new digital banks. According to the Economist Intelligence Unit 2020 report for Temenos, 81% of global banking executives surveyed believe a multi-cloud strategy will become a regulatory prerequisite.

Developing a cost-effective and scalable core banking solution was paramount for WeLab. Temenos cloud native software is built for the digital age using API-first and DevOps principles and engineered to deploy in containers and microservices. This makes it easy for WeLab to scale for future business growth efficiently and eliminates the need to provision for peak processing volumes so that the bank only pays for its actual usage, yielding significant cost savings.

Critically, with NuoDB the solution delivers a cloud-agnostic, distributed relational database that enables WeLab to deploy an active-active on-demand database across multiple cloud providers with near zero downtime failover.

Temenos Transact is a preconfigured system and so requires very little coding and with Temenos model bank to address local practices and regulations, WeLab was able to bring its service to market faster and extend its innovation with more than 400 out-of-the-box APIs.

With Temenos, WeLab bank is set to transform banking in Hong Kong. In as fast as 5 minutes, customers can remotely open a WeLab Bank account with $0 monthly fees and start enjoying differentiated services such as time deposits with competitive rates, an interest-bearing deposit account with an instant virtual Debit Card, and real-time payments powered by Faster Payment System (FPS). Everything can be done on a mobile phone, simply and effortlessly.

Adrian Tse, CEO at WeLab Bank, commented: “WeLab Bank was born from an initiative to reimagine the banking experience for the 7.5 million people of Hong Kong. From the start, we knew this vision needed the most advanced cloud native technology and a partner that shared our vision for digital transformation. With Temenos we have efficiently built WeLab Bank from scratch, free from any legacies, with innovative features that proactively help customers to take control of their money and their financial journey.”

Max Chuard, Chief Executive Officer, Temenos, said: “Congratulations to WeLab Bank on the launch of their trailblazing new digital bank. Building and launching a licensed bank in such a rapid timeframe is a fantastic achievement and we are proud to have supported them in becoming the first multi-cloud digital bank in Hong Kong. Temenos cloud-native, cloud-agnostic strategy means we can satisfy the needs of the most innovative and ambitious neobanks like WeLab Bank to run on multiple cloud providers. We know this is just the beginning for WeLab and we are excited to be part of their story as they revolutionize banking for people in Hong Kong.”

Bob Walmsley, CEO of NuoDB said: “We are excited to be partnering with Temenos to help WeLab Bank achieve their aggressive launch timelines and deliver innovative banking services to its customers. We were inspired by the technical vision of WeLab and knew that executing an on-demand, multi-cloud strategy was a perfect fit for NuoDB. Our enterprise-class, distributed SQL database combined with Temenos’ cloud-native technology helps banks of all sizes around the globe migrate to the cloud to improve agility and reduce costs.”

Continue Reading

Banking

The Bank is Where the Heart Is

Published

on

The Bank is Where the Heart Is 3

By Nick Barnes, Practice Director, Financial Services & Customer Success at JRNI

When unexpected events occur, people turn to their banks to provide a sense of trust, security, and stability. They need to be available anywhere, anytime, and from any device. As it’s a business based on trust, one-on-one communication is key.

With the world still emerging from the COVID-19 crisis and endeavouring to avert a possible second wave, every country, state, and region has their own unique requirements. Plus, every customer or member has their own demands. Experts and pundits have discussed a new normal, but what’s normal for now involves keeping customers and employees safe while also providing the same sense of stability as before.

For banks, building societies and credit unions, the main concerns include how to maintain personal relationships amidst social distancing; how to be available at any time on any device; and how to provide a sense of calm and security amidst the chaos.

Adapt or fall behind

Customers are quickly learning which of their service providers are adapting best to this new world. Are financial services providers like banks and credit unions adapting, or falling behind?

Finances are a highly personal topic, and often, illogical or emotional. Will I have enough? Will it be available when I need it? It is always a hot topic of conversation, but especially during a pandemic when unemployment rates are rising, and the economic landscape is unsettled. In the past, a customer could walk into the bank, have a reassuring conversation with a representative and move on.

So, how can banks help their customers through tough financial times during the current crisis, when in-person communication is nearly impossible? One solution is to provide helpful, personalized customer service through digital channels.

While in-person assistance will remain important after COVID-19, customers are looking for assistance now.   Banks are turning to remote video and voice appointments to boost customer satisfaction and meet customer expectations.

3 reasons to use remote appointments

1. To comply with social distancing

Our Modern Consumer Banking Report​​​​​​​ last year showed that when consumers visit branches, it’s primarily to talk face-to-face and ask questions/get help.  Research from Bain reinforces this, and emphasizes that “many retail banking customers think it’s easier to purchase through a human channel, or prefer to speak with an employee before buying a product.”

Due to social distancing measures, branches cannot be customers’ primary way of managing their finances during this pandemic. However, this doesn’t mean that customers aren’t interested in personalized attention that can be made available via video and voice.

2. To meet new demand 

Although spending habits may have changed, consumers are still making critical financial decisions during the COVID-19 pandemic.

Individuals: The financial effects of coronavirus are drastically different from one customer to the next. While some are counting down the days to receipt of their unemployment check, others may be taking advantage of low-interest rates to buy a house. Ultimately, banks and credit unions need to address each customer segment with a unique message and way of providing assistance.

Small business banking: Countless small businesses around the world have been forced to close their doors. Whether they’re needing loans, payment deferrals, or advice, small businesses are looking to their bank as a guide, and a comfort.

Investment management: A recession is upon us, and with that comes a new approach to investing. Financial advisors are fielding questions, providing recommendations, and staying up to date on the market. Beyond this, many are building entirely new strategies for their clients.

Regardless of customer type, it’s clear that each subset of customer needs help from their financial institution at this time.

3. To boost customer retention

​​​​​​​​​​​​​​Financial institutions cannot afford to lose customers during the pandemic, so customer retention is crucial.  Great customer service boosts customer loyalty, and research from Bain shows that loyalty is key to retention:

  • Customer loyalty increases revenue, and loyal customers are less likely to switch to a competing bank.
  • Customers who are a bank’s “promoters” recommend the bank to others as much as six times more than “detractors.”
  • A bank’s “promoters” spend one-quarter more than detractors on their primary credit card.

Ultimately, being able to connect with a customer in need using video or voice can give customers peace of mind and boost loyalty. Delivering personalized financial services without interruption is crucial.

Initial results from video banking show that consumers consider the service valuable. Phoenix Synergistics’ survey from December 2019 found that 17% of customers polled had used video chat through a website or app with their financial institution. Of those that had used video chat, 89% found video chat valuable.

Some suggestions for banks using remote video or voice appointments would be to: firstly ensure your solution is secure and doesn’t expose personal information outside of the conversation; secondly create a culture of consultation to alleviate outstanding fears; thirdly leverage appointment setting to allow customers to pre-schedule consultations and enquiries; finally include remote appointments as part of a wider suite of ‘touchless’ offerings.

The dos and don’ts for bank branches

Forty-three percent of banking customers have expressed their desire to change the way they bank due to the pandemic. As with retail and hospitality, several key customer segments have doubts about visiting physical locations and are transacting more remotely.

The challenge for banks is to make services available wherever customers want to bank – be it by phone, online, or in branch – and when it comes to any transaction, the key is to make customers feel cared for, heard, and secure.

With social distancing parameters in place along with other health and safety measures, there’s significant focus on the need to retool the branch experience. Here are a few suggestions as we move into that next stage of business and interaction:

DO: Have a plan.

Nick Barnes

Nick Barnes

Think about how customers will enter and exit each location. Plan for increased space between people in line, how to attend to at-risk customers, properly spaced lobbies, and waiting areas. Consider your employees and what they need in order to stay safe including break rooms with increased space between lounging areas, removal of shared snacks, availability of hand sanitizer and masks.

DO: Make sure you can effectively manage footfall.

Overcrowding will create fear and loss of trust. Make sure you have plenty of directional signage, crowd control measures, and staffing. Solutions including people counters, occupancy managers, and pre-booked appointments​​​​​​​ both allow for the throttling of traffic, and the ability to build in cleaning time.

DO: Hire the right team and staff adequately.

Being courteous and in control will be the most important ingredient to success. Have enough staff, you will need the extra hands to ensure that all staff is properly trained and ready to enforce new protocols.

Some customers will be understandably anxious going into branches, and some will want to feel that everything has returned to normal, so staff may need to be very firm and well-versed in a new operating style.

DO: Offer customers the ability to bank when and how they prefer.

We’re not suggesting that you remain open for 24 hours, but the goal is to make it easy for the customer. Adding the ability to set an appointment with a wealth manager or an advisor online will enable customers to bank from home, and will enable banks to provide the personalized service customers have come to expect.

Leverage online appointment confirmations to remind customers to have key documents available if they need them. Virtual solutions position the bank to serve as an advisor rather than just a financial institution.

DO: Demonstrate your commitment to a safe environment.

Use clear signage to convey the measures in place to ensure customer and employee safety. Make hand sanitizer or wipes available throughout the branch, and in all high-touch areas. Ensure cleaning supplies are visible, around doorways and ​​​​​​​near greeters to provide customers with an added sense of security. And make sure that employees are following every measure required of customers.

DON’T: Lose customer confidence.

If you are not prepared, it will show, and it will be very hard to gain back customer confidence once compromised. Social media will not be your friend. Forrester Research reports that 52% of US online adults prefer to buy from companies that demonstrate how they are protecting customers against the threats of COVID-19.

DON’T: Overcrowd or fill your branch to capacity.

Consumers are being trained to avoid crowds, so failure at the branch to comply could result in losing their business. Most physical locations are operating with fewer staff and accommodating 10 – 25% of the traffic once allowed. Keep in mind that you only have one opportunity to make a first impression on customers, and they’re looking to trust you have their best interests in mind.

DON’T: Understaff.

You will need to expect the unexpected and having more hands-on deck will prove to be beneficial in the long run.  Having the wrong staff, or those that don’t take the time to learn new operating procedures or feel comfortable telling that customer who won’t keep a mask on, may not be the best fit.

DON’T: Make it difficult for customers to do business with you.

Social distancing introduces a number of disruptions to the way you’ve traditionally done business. So limiting options to customers – providing no ability to bank online or via phone, not having a live customer service voice or chat option – is not going to help. In addition to making sure the services are available, it is imperative to communicate all options to customers.

DON’T: Assume someone else will do it.

Bank staff need to show that the branch is being tended to, cleaned between visitors, and before opening each day. It is important that staff jump in to help move customers safely through the branch, ensure their questions are answered and overall, take a proactive approach to service without assuming that a sign or another staff member will take care of it.  Customers will come to the branch, but gaining their confidence is everything. Don’t lose it by not being prepared. It will be very hard to win it back.

With the constant threat new restrictions in response to COVID-19 outbreaks, banks will need to take a long view on how they enable the operational flexibility that will be needed to adapt to fast-changing conditions.  As people prepare to live more risk-averse lives, banks will need to go the extra mile to ensure customers feel less wary about visiting in person whilst also offering a seamless experience for those customers who prefer to remain in the safety of their homes.  Those that manage to do so will emerge from the crisis with a sustainable advantage over their competitors.

Continue Reading
Editorial & Advertiser disclosureOur website provides you with information, news, press releases, Opinion and advertorials on various financial products and services. This is not to be considered as financial advice and should be considered only for information purposes. We cannot guarantee the accuracy or applicability of any information provided with respect to your individual or personal circumstances. Please seek Professional advice from a qualified professional before making any financial decisions. We link to various third party websites, affiliate sales networks, and may link to our advertising partners websites. Though we are tied up with various advertising and affiliate networks, this does not affect our analysis or opinion. When you view or click on certain links available on our articles, our partners may compensate us for displaying the content to you, or make a purchase or fill a form. This will not incur any additional charges to you. To make things simpler for you to identity or distinguish sponsored articles or links, you may consider all articles or links hosted on our site as a partner endorsed link.

Call For Entries

Global Banking and Finance Review Awards Nominations 2020
2020 Global Banking & Finance Awards now open. Click Here

Latest Articles

Research exposes the £68.8 billion opportunity for UK retailers 4 Research exposes the £68.8 billion opportunity for UK retailers 5
Business2 days ago

Research exposes the £68.8 billion opportunity for UK retailers

Modelling shows increasing the proportion of online sales by 5 percentage points would have significantly boosted retailers’ revenues during the...

Want to serve your customers better? An effective online strategy is what financial institutions need  6 Want to serve your customers better? An effective online strategy is what financial institutions need  7
Business2 days ago

Want to serve your customers better? An effective online strategy is what financial institutions need 

By Anna Willems, Marketing Director, Mention A strong online presence matters. Having a strong online presence, that involves social media...

The rise of AI in compliance management 8 The rise of AI in compliance management 9
Technology3 days ago

The rise of AI in compliance management

By Martin Ellingham, director, product management compliance at Aptean, looks at the increasing role of AI in compliance management and just...

Simplifying the Sector: How low code can aid digital transformation in financial services 10 Simplifying the Sector: How low code can aid digital transformation in financial services 11
Technology3 days ago

Simplifying the Sector: How low code can aid digital transformation in financial services

By Nick Ford Chief Technology Evangelist, Mendix From online banking to contactless payments and Apple Pay, it has been well...

Why the Boom is Long Overdue (and Here to Stay) 12 Why the Boom is Long Overdue (and Here to Stay) 13
Business3 days ago

Why the Boom is Long Overdue (and Here to Stay)

By Roger James Hamilton, CEO, Genius Group Virtually every aspect of our lives has been taken over by tech, so...

5 Sustainability Lessons That Are Crucial For Business Success 14 5 Sustainability Lessons That Are Crucial For Business Success 15
Business3 days ago

5 Sustainability Lessons That Are Crucial For Business Success

By Michael Stausholm, founder of Sprout World (sproutworld.com) Sprout World is the eco-company behind the world’s only plantable pencil, with...

Why financial brands need to understand consumer vitality 16 Why financial brands need to understand consumer vitality 17
Business3 days ago

Why financial brands need to understand consumer vitality

By Carolyn Corda, CMO at data consortium ADARA Our day to day lives have been turned upside down. Office workers have...

Why and how a modern marketing strategy should put customer experience first 18 Why and how a modern marketing strategy should put customer experience first 19
Business3 days ago

Why and how a modern marketing strategy should put customer experience first

By Jim Preston, VP EMEA, Showpad In 2004, the Leading Edge Forum coined the term ‘consumerisation of IT’, defining a...

Leading from the front - why decision makers must embrace automation 20 Leading from the front - why decision makers must embrace automation 21
Technology3 days ago

Leading from the front – why decision makers must embrace automation

By Jeppe Rindom, Co-founder & CEO, Pleo Ask any decision maker at a business about admin and you’re likely to...

Business first, not compliance only is the future for accountants 22 Business first, not compliance only is the future for accountants 23
Business3 days ago

Business first, not compliance only is the future for accountants

By Peter Bracey, MD at Bracey’s Accountants.  The past few months have underlined the need for better business insight to reduce...

Newsletters with Secrets & Analysis. Subscribe Now