Flowtly Insights
Opinion and analysis on running a services business.
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Targeted Support, Untargeted Reality: What Healey's Energy Handout and the FCA Have in Common
Two stories landed in GB this month that, on the surface, have nothing to do with each other. One is about government energy support.
Automation Didn't Kill These Jobs. Bad Decisions Did.
Britain's biggest companies have cut more than 130,000 jobs in the past two years.
FIFA's New Disciplinary Code Is a Compliance Wake-Up Call Far Beyond Football
Football doesn't usually make compliance teams sit up. But FIFA's latest Disciplinary Code should. The changes aren't really about football.
The Hidden Line Item: What Staff Turnover Really Costs Your Cash Flow Forecast
Most finance teams model cash flow around sales pipeline, payment terms, and overheads. Staff turnover rarely gets a line of its own. It…
Return-To-Work Is Not A Checkbox. It's A Retention Strategy You Can't Afford To Skip.
UK businesses are under pressure. Profit warnings are climbing, costs are rising, and every pound spent on people needs to justify itself.
£2m Lost, Two Guilty Pleas: What Every SME Should Learn About Internal Controls
A financial adviser spent her clients' money funding an extravagant lifestyle. Her operations manager helped falsify the documents that hid…
The Inflation Tax Nobody Voted For
Inflation doesn't appear on a ballot paper. Nobody campaigns on it, nobody promises more of it, and yet it functions exactly like a tax —…
Raise First, Comply Later? Why Startups Can't Afford That Order
Funding is moving fast again. European startups pulled in significantly more capital in September than in August, and the momentum hasn't…
Stages of Tax Grief, Stages of Rate Policy
Banks are having a bad month. Chancellor John Healey has gone coy on bank tax rises ahead of the Budget, and the industry is doing what…
The Childcare Cliff Edge Is a Hiring Problem Disguised as a Tax Policy
Kemi Badenoch has pledged to scrap the £100,000 childcare cliff edge — a policy quirk that currently punishes parents for earning a single…
Westminster Talks Pragmatism, Workers Want Certainty
Politicians love the word "pragmatic." It sounds reasonable, flexible, grown-up. It also means nothing until someone defines it.
When Brokers Fall: ITI Capital and the Questions the Bank of England Won't Ask Out Loud
A regulated UK brokerage just collapsed into special administration. Days later, the Bank of England sat down with its most senior market…