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Retailers facing “returns tsunami”

A new report released highlights the hidden dangers of online companies such as ASOS, Topman and schuh introducing try-now-pay-later options for customers. The trend is threatening to overwhelm retailers– many of which are already reaching crisis point – with a huge surge of intentional returns that may undermine profits.

Article by: Derek O'Carroll | Published: 31 March 2018

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Pensions gliding off course

Our recent survey amongst employers investigated what workplace support is available to help employees understand how to make the most of their finances throughout their career in order to optimise income at-retirement. It found that employees are at immense risk of retirement income shortfall.

Article by: Jonathan Watts-Lay | Published: 12 March 2018

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Financial education is a must to cultivate saving culture

A leading provider of financial education, guidance and advice in the workplace, comments; “Learning how to manage money is an important life skill and getting the balance right between spending and saving is fundamental. However, many employees struggle to understand various financial issues that may relate to them and require help and support in order to feel secure when it comes to their finances.

Article by: Jonathan Watts-Lay | Published: 17 December 2017

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How can pension freedoms benefit everyone?

Whilst it is reassuring that the highest rates of regulated advice use are from those that go into drawdown – 69 percent according to the Financial Conduct Authority (FCA), it is weighted towards those with larger pot sizes. Overall, accessing pension pots early has become the norm. The FCA found that 72 percent of pots that have been accessed are by consumers under 65 - most choosing to take lump sums rather than a regular income.

Article by: David Bird | Published: 26 November 2017

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The Blackest Ever Black Friday – what retailers learned from 2014

Such has been the success of the strategy that last year the UK’s Black Friday online sales grew to £1.23bn, yet there was no repeat of the delivery meltdown of 2014. That’s because Black Friday had mutated into a whole week – with online sales from Monday 21 November to Monday 28 November reaching around £6.5bn.

Article by: Press Release | Published: 10 November 2017

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Intelligent automation investments will drive significant change

KPMG’s survey of nearly 900 leading global HR executives found that leaders view today’s disruption as an opportunity to transform their business models and drive growth. Specifically, 65 percent say they view technology disruption as an opportunity, and 68 percent say they have taken steps to challenge themselves in the past year. The caveat in all this is that while most HR initiatives are said to be meeting expectations, more than half (59 percent) of organizations say they still lack a business case or appropriate metrics to measure results and return on investment.

Article by: KPMG | Published: 8 November 2017

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Making sure It really does pay for employees to move overseas

To accept a relocation package, the salary or the role must have been an adequate temptation, but what can seem like a reasonable salary in the UK might not stretch too far when considering how much further it may have to go in a new home.

Article by: Rob Dolbear | Published: 31 October 2017

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HR and coping with expanding financial regulation

Identifying a firm's senior managers and publicising their status may be a fraught exercise: while focus needs to be given to the new senior managers, it should not be forgotten that some senior individuals may be unhappy about not being made senior managers - leading to a different set of problems.

Article by: Mark Hamilton | Published: 28 October 2017