ROAR-Insights

Link Description The “In the Public Interest?” report examines the psychological impact of debt collection practices by local and national governments. It explores how debt collection escalates stress, harms mental health, and creates feelings of shame and isolation. The report highlights the urgent need for reform in public sector debt collection, especially for people with mental health issues. It calls for improved communication, more flexible timelines, and better support for vulnerable populations, while also detailing the systemic shortcomings of current… Read more

Link Description The “Financial Health Report: Affordability and Forbearance Subgroup” provides an in-depth analysis of the financial landscape in the UK following the cost-of-living crisis. It focuses on key trends in mortgage affordability, debt burdens, and financial resilience across different demographics. The report highlights the financial pressures faced by UK consumers, particularly in areas such as mortgages, energy costs, and personal debt, while also addressing gender disparities in debt repayment and savings. It aims to guide financial institutions in making… Read more

Link Description The “Debts and Despair” report explores the severe psychological impact of debt collection practices on individuals, particularly those experiencing mental health challenges. It provides data-driven insights into how rising living costs, coupled with aggressive and frequent debt collection tactics, are affecting the well-being of UK citizens. The report focuses on the mental health consequences of debt, including anxiety, depression, and suicidal thoughts, and offers recommendations for how financial institutions, regulators, and the government can reform debt collection practices… Read more

Link Description The document “Pepper Arrears Report” provides an analysis of trends in UK residential mortgage arrears, with a focus on the dynamics between the residential and Buy-to-Let (BTL) sectors. It covers the improvement in arrears rates in various regions, the continued growth in BTL arrears, and a rebound in new mortgage originations. The report also highlights the uneven nature of recovery in the UK mortgage market, indicating that while some areas are improving, many borrowers continue to face financial… Read more

Link Description The document “Why Agents Are the Next Frontier of Generative AI” discusses the evolving role of generative AI (gen AI), specifically focusing on AI-enabled agents that can handle complex workflows independently. It explores how AI agents will transition from knowledge-based systems to action-based solutions, capable of completing multistep tasks across digital platforms. The report outlines the potential benefits of AI agents for enhancing productivity, collaboration, and innovation across industries, while addressing the challenges and risks involved in adopting… Read more

Link Description The “2024 IT Risk and Compliance Benchmark Report” provides a detailed analysis of the evolving governance, risk, and compliance (GRC) landscape, focusing on how organisations are managing IT risks and compliance challenges. It discusses trends such as the unification of risk and compliance functions, the impact of artificial intelligence (AI) on risk management, and the shift toward integrated, automated GRC tools. The report also highlights how companies are navigating increasing regulatory scrutiny, cybersecurity risks, and the adoption of… Read more