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Flowtly Insights
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Regulation as a Growth Lever: What the FCA's Scale-Up Unit and Captive Insurance Plans Have in Common
Regulators don't usually get credit for helping businesses grow. Most firms see rulebooks as friction, not fuel. But two announcements from…
11 Aug 2026 · 4 min
The New Price of Being Regulated in the UK
Being regulated in the UK used to mean ticking boxes once and coasting. That era is over. Two developments now define what "regulated"…
8 Aug 2026 · 5 min
Robots Need Insurance Too
Data centres are getting a new kind of employee: one that doesn't sleep, doesn't unionise, and doesn't need a canteen. It does, however,…
5 Aug 2026 · 4 min
The FCA Isn't Just Cleaning Up Crypto — It's Rewriting the Rules of UK Markets
The Financial Conduct Authority has spent the past year building a reputation as a regulator with teeth. Crypto firms are being pushed out.…
2 Aug 2026 · 5 min
Rate Hikes Are Coming — Is Your Till Still Running on Guesswork?
Interest rates are about to become a live issue again. City analysts expect the Bank of England to set the stage for a series of rate hikes…
30 Jul 2026 · 3 min
Higher taxes, lower returns: what Scotland's income tax data tells us about the limits of squeezing harder
Two stories landed in the same week. On the surface, they have nothing to do with each other. One is about Scottish income tax receipts.…
27 Jul 2026 · 5 min
Your Redundancy Cheque Won't Run a Pub. A Rota Will.
Redundancy is rarely something you plan for. But if you're one of the thousands of people in Great Britain currently working out what a…
24 Jul 2026 · 4 min
Steel, Subsidy, Survival: Is Nationalisation Industrial Strategy or Damage Control?
British Steel's rescue is being sold as a decisive act of government. Look closer and it reads more like an emergency brake pulled by a…
21 Jul 2026 · 3 min
The UK Wants to Be a Captive Insurance Hub — So Why Are Brokers Still Failing Customers?
The UK has decided it wants a bigger slice of the captive insurance market. In July 2026, the PRA and FCA jointly proposed a new captive…
18 Jul 2026 · 4 min
Three Rulebooks, One Direction: What the FCA's Triple Overhaul Really Signals
The Financial Conduct Authority doesn't usually move on three fronts at once. This year it has. Buy now, pay later, asset management, and…
15 Jul 2026 · 4 min
Product Design Isn't Just an FCA Box-Tick — It's Rate-Sensitive
The FCA has published its latest findings on product design under the Consumer Duty. Most firms will read it as a compliance update. That's…
12 Jul 2026 · 5 min
AI's Unintended Consequence: The Looming DSAR Deluge for SMEs
Artificial intelligence is rapidly reshaping the business landscape. While often touted for its efficiency gains, its widespread adoption…
22 May 2026 · 5 min