Demos Finance is a new financial services research unit, providing industry leaders, policymakers and the public with reliable, objective and easy to understand analysis of the sector.
Based within Demos, Demos Finance will produce original research reports, expert commentary and insight and analysis on the most pressing financial issues of the day. It will also host events and debates to explore these issues, bringing experts and practitioners together with policymakers and opinion shapers.
Demos Finance will generate new ideas and suggestions for public policy, will help to explain and ‘translate’ complex arguments to a non-specialist public, and will give a high priority to good, jargon-free prose.
Andrew Freeman is Director of Demos Finance. He was Banking Editor at The Economist from 1992 to 2006. Since then he has worked as Executive Director at the Centre for Financial Services at Deloitte and was a founder member of McKinsey’s risk practice. Contact.
Jodie Ginsberg is Deputy Director of Demos Finance. Jodie was the London bureau chief for Reuters news agency between 2007 and 2011, where she led coverage of the financial crisis, UK general election and London riots. Contact.
Following the Vickers report and its recommendations of building a ‘firewall’ between retail and investment banking, we will be looking at questions of the structure of the financial services sector.
Is ring-fencing investment and retail banking the right answer? How could the payment and lending functions of banks be separated and what might these institutions look like in the future?
Is more ‘local’ banking the answer? What role will technology companies play in banking provision? And what is the future for ‘new’ funding models like crowd-funding or local government bonds?
We will also be looking the future for regulation of financial services: locally, regionally and globally. How can systemic risk be monitored and regulated? Is cross-border co-operation plausible?
Financial education and literacy are crucially important, but how can they be improved throughout the system? What role should formal education play?
The financial world is heavily reliant on rapidly ageing technology systems. How risky is the back office? Where are the weak points in the global system? What can be done to solve the under-investment problem?
The complicated models and products that characterised the pre-crisis era are out of favour. But what financial innovations are currently being considered? Could securitisation return to the sort of influence it enjoyed before the crisis?
This important sector is often over-looked and misunderstood. How big can Britain’s Islamic market grow, who are the key players and might Islamic finance hold some of the answers to the need for patient investment capital? Are attitudes towards Islamic finance shaped more by prejudice than knowledge?
Following our paper assessing the government’s Kay Report on UK
equity markets and long-term decision-making, we will explore the next steps for tackling short-termism in finance. What new methods of funding growth might be found? How can the small business sector best be supported?
Bonuses and remuneration structures remain a key challenge for the banking industry, but are also increasingly of concern for fund managers. What is the best way to balance risk and reward for company owners, money managers and others?
To find out more about Demos Finance and its work, please contact Jodie Ginsberg on firstname.lastname@example.org
This report uncovers the real leding climate for Small and Medium Enterprises, and argues that the consensus view of banks failing to support SMEs with loan finance is flawed.
This report examines the role of the payments sector as it prepares for a new regulator, and considers how this regulator can help to ensure innovation continues in the sector.
Ed Miliband should reduce barriers to entry, not call for another review, argues Jodie Ginsberg.
Jodie Ginsberg reflects on last's night inaugural Demos Finance lecture.
Ana Botín, chief executive of Santander UK, introduces her Demos Finance inaugural lecture.
David Prosser draws on research carried out by Demos to argue that banks should refresh their relationship with SMEs in The Independent
The Times joins the Finance for Growth debate
The Evening Standard picks up the debate started by Demos' Finance for Growth report.
Andrew Freeman, the Director of Demos Finance, writes a comment piece in the Financial Times on the role of technology in banking crises.