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# UKFin+

UKFin+ Funding Research Collaborations for Wicked Problems in Financial Services

## Sitemaps

- [XML Sitemap](https://ukfin.network/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [UKFinnovator London: Building the Future of FinTech Together](https://ukfin.network/ukfinnovator-london-building-the-future-of-fintech-together/) - Following the success of the UKFinnovator in Birmingham earlier this year, the UKFin+ Network brought its flagship student innovation competition to Imperial College London, welcoming 77 students from 17 universities across the UK for an intensive weekend of collaboration, creativity and real-world problem solving. Students applied from 20 different universities, demonstrating the growing national interest
- [UKFin+ Sandpit: Building Better Pathways to Fair Finance](https://ukfin.network/building-better-pathways-to-fair-finance/) - How can lenders help more people access fair and affordable credit? How can financial data be used to support better decisions rather than simply produce faster rejections? And how can saving through payroll help households build greater financial resilience? These questions were at the centre of the UKFin+ Sandpit, held at the University of Birmingham
- [AI in Banking Is Scaling Fast. Is Our Thinking Keeping Up?](https://ukfin.network/ai-in-banking-is-scaling-fast-is-our-thinking-keeping-up/) - Reflections from two days at the Banking Transformation Summit, London Last week I had the opportunity to attend the Banking Transformation Summit in London. It was two intensive days of panel sessions, frank conversations, and genuinely thought-provoking debate about where financial services is heading. As Impact and Engagement Manager for the UKFin+ Network, I went
- [All UKFin+ Funding streams are closing](https://ukfin.network/all-ukfin-funding-streams-are-closing/) - After 6 funding deadlines and more than 30 successfully funded projects, it is now time to close the UKFin+ funding streams! You have until 5pm on May 29th 2026 to send us any final Agile proposals; after that, we will host a sandpit to use the last of the funding before the end of the
- [Shaping the Future of Research Through Inclusion](https://ukfin.network/shaping-the-future-of-research-through-inclusion/) - Walking into the EDI Hub Annual Conference in Leeds on 24th March, representing UKFin+ Network, I felt that familiar mix of curiosity and anticipation. EDI events often bring together passionate people, but this one felt different before it even began. The room was alive with colour, energy, and openness, reflecting exactly what the day was
- [The World’s Deadliest Scam: Financial Sextortion](https://ukfin.network/the-worlds-deadliest-scam-financial-sextortion/) - I have written previously about social engineering in financial crime, identity scams and the rise of deepfakes. Those threats are serious, technically fascinating and strategically important. But at the recent FinTrail Conference FFECON26, listening to cybercrime investigator Paul Raffile speak about financial sextortion was different. This is a topic I had not covered before. And
- [Trade Sanctions: Why Detection Has Become Harder, Broader and More Important](https://ukfin.network/trade-sanctions-why-detection-has-become-harder-broader-and-more-important/) - At the FINTRAIL conference, one of the topics that caught my extra attention was focused on trade sanctions and how dramatically the landscape has changed in recent years. The panel discussion made clear that while trade sanctions themselves are not new, the scale, speed and complexity of enforcement and evasion have shifted significantly since 2022.
- [UKFinnovator: When Vision Meets Reality](https://ukfin.network/ukfinnovator-when-vision-meets-reality/) - Last weekend, the UKFin+ Network delivered its first UKFinnovator at the University of Birmingham. More than 300 students applied, and 130 were selected from across the UK, some travelling significant distances to take part. They worked in multidisciplinary teams on live challenges set by companies. Instead of hypothetical case studies, students worked on genuine business
- [Fintech North launches digital sandbox and Fintech marketplace](https://ukfin.network/fintech-north-launches-digital-sandbox/) - FinTech North is delighted to be working in partnership with global digital sandbox provider NayaOne, which sees the two organisations build a dedicated marketplace for Northern FinTechs to showcase their capabilities, access datasets and test ideas. Fintech North The platform launched last summer, allowing the Fintech North community to collaborate, build products and find customers.
- [Workshop: Game-Changing Technology in FinTech](https://ukfin.network/workshop-game-changing-technology-in-fintech/) - We’d like to extend our thanks to everyone who joined us for Game-Changing Technology in FinTech. It was a fantastic day filled with insightful discussions, innovative ideas, and great company.A special thank you to our speakers and panellists for sharing their expertise, as well as to all who contributed to the engaging conversations. Events like these
- [UKFIN+ BELFAST FUNDING WORKSHOP](https://ukfin.network/ukfin-belfast-funding-workshop/) - UKFin+ Hosts Second Funding Workshop in Northern Ireland, a Top 10 FinTech Hub
- [Professor Aad van Moorsel attends EPSRC Regional Showcase](https://ukfin.network/professor-aad-van-moorsel-attends-epsrc-regional-showcase/) - Professor Aad van Moorsel, attended the EPSRC Regional Showcase event held at the Science and Industry Museum in Manchester on Monday, 6th November.
- [UKFin+ attends CRAFT Industry Advisory Board Meeting](https://ukfin.network/ukfin-attends-craft-industry-advisory-board-meeting/) - UKFin+ visited the Center for Research toward Advancing Financial Technologies (CRAFT) for their Fall 2023 CRAFT Industry Advisory Board Meeting
- [The EPSRC attends UKFin+ launch](https://ukfin.network/the-epsrc-attends-ukfin-launch/) - UKFin+ is funded by UK Research and Innovation through the Financial Services NetworkPlus Fund as part of the Building Research Communities with the UK financial services programme. Grant reference: EP/W034042/1. We were pleased to have representatives from our funders join us at our launch events. We asked for a quote from Stephen Webb, our Project
- [UKFin+ Research Showcase 2024](https://ukfin.network/blog-ukfin-research-showcase-2024/) - November 20th was the very first UKFin+ Research Showcase, it was a real treat to hear from so many of our funded projects as well as two inspiring keynote speakers. We hope our participants enjoyed the event as much as we did! Here’s a recap of the day’s events: Morning Highlights: Technology-Enabled Inclusion The day
- [UKFin+ Research Agenda Launch 2024](https://ukfin.network/ukfin-research-agenda-launch-2024/) - UKFin+, a Network Plus grant funded by the Engineering and Physical Sciences Research Council (EPSRC), is proud to announce the launch of its research agenda designed to tackle complex and long-term challenges in the UK financial services sector. The agenda highlights six key areas of real-life financial services challenges as well as the underpinning enablers
- [UKFin+ Annual Research Showcase 2025](https://ukfin.network/ukfin-annual-research-showcase-2025/) - Celebrating Progress, Partnerships and the Future of FinTech Collaboration National Museum Cardiff – 24 November 2025 On Monday, we brought the UKFin+ Network together at the beautiful National Museum of Wales in Cardiff for our Annual Research Showcase. It was a day of insight, reflection, and collaboration, surrounded by an extraordinary cohort of academics and
- [Professor Karen Elliot attends CFIT Launch Event](https://ukfin.network/professor-karen-elliot-attends-cfit-launch-event/) - Professor Karen Elliot, one of the Co-Is for UKFin+ attended the launch of the Centre for Finance, Innovation and Technology (CFIT) on the 27th of February. "CFIT was set up following the Kalifa Review of Fintech (2021) to position the United Kingdom as a global leader in financial innovation. CFIT’s purpose is to unblock barriers
- [Registration is now open for UKFin+ launch events!](https://ukfin.network/registration-is-now-open-for-ukfin-launch-events/) - Exciting news! Registration is now open for both UKFin+ launch events! Join us for one of two incredible events: a workshop in Birmingham and a drinks reception in London the following day. Connect with industry leaders, academics, and researchers in the financial services and fintech space, and be part of the solution to wicked problems in the
- [Birmingham Launch Roundtable Session](https://ukfin.network/birmingham-launch-roundtable-session/) - Birmingham Launch Roundtable Session Futures Thinking During our Birmingham launch event, Professor John Vines one of the Directors of UKFin+ ran a roundtable activity called 'Futures Thinking': A structured approach to understanding the landscape of potential futures to guide better decision-making in the present. 1. There are many possible 'futures 2. We can influence these
- [UKFin+ London Launch](https://ukfin.network/ukfin-london-launch/) - We are pleased to announce the success of our second launch event for UKFin+, held at the Berkeley in London. The event was a resounding success from start to finish, with attendees both engaged and excited about the project and our goal to tackle wicked problems in the financial services and Fintech industry. We kicked
- [Exploring the future of Finance: Highlights from FinTech and Economic Modelling session at RSS International Conference 2023.](https://ukfin.network/exploring-the-future-of-finance-highlights-from-fintech-and-economic-modelling-session-at-rss-international-conference-2023/) - by Gabriela Filipkowska, Beining Han and Fan Wu - PhD students in Financial Mathematics at Cardiff University, Dr Ning Wang Mathematical Institute University of Oxford and, Dr Jia Shao an Assistant Professor at the School of Mathematics of the University of Birmingham. On September 5th, 2023, our team, visited Harrogate for the Royal Statistical Society
- [UKFIN+ EDINBURGH FUNDING WORKSHOP](https://ukfin.network/ukfin-edinburgh-funding-workshop/) - The first of a series of workshops designed to give applicants the opportunity to discuss our funding opportunities, develop project ideas, and ask any questions they might have. The launch of the UKFin+ funding workshop series took place Monday the 9th of October at InSpace, an events and exhibitions space which is part of the
- [UKFin+ Bristol Collaboration Workshop](https://ukfin.network/ukfin-bristol-collaboration-workshop/) - Reflecting on a Day of Collaboration: Highlights from the UKFin+ Workshop in Bristol The first of our UKFin+ Collaboration workshops took place on March 6th at the MShed in Bristol. UKFin+ Director Professor Jing (Maggie) Chen was the mastermind behind the new format for the workshop and we were all thrilled with the turnout. The
- [Announcement: UKFin+ Financial Inclusion Spotlight](https://ukfin.network/announcement-ukfin-financial-inclusion-spotlight/) - Announcement: UKFin+ Financial Inclusion Spotlight.
- [UKFin+ Spotlight on RegTech, Resilience & Compliance](https://ukfin.network/ukfin-spotlight-on-regtech-resilience-compliance/) - About UKFin+ UKFin+ is an EPSRC-funded network connecting academic research to technological innovation within the UK financial services industry. Our primary goals are to foster connections, fund collaborations, communicate our findings, and coordinate a national research agenda. Our vision is a financial services market that offers a wide range of competitive, trusted, and socially relevant
- [UKFin+ RegTech Resilience and Compliance Roundtable](https://ukfin.network/ukfin-regtech-resilience-and-compliance-roundtable/) - As part of the Spotlight on RegTech Resilience and Compliance, UKFin+ hosted a roundtable event in Glasgow on 16 July 2025. This event brought together leading voices from industry, academia, and government to address some of the most persistent and complex challenges facing financial services. Setting the Scene: RegTech, Resilience and Compliance The day started
- [FinTech West Bristol 2025: Innovation, Inclusion, and the Evolving Future of Finance](https://ukfin.network/fintech-west-bristol-2025-innovation-inclusion-and-the-evolving-future-of-finance/) - The FinTech West Conference in Bristol brought together innovators, regulators, investors, and entrepreneurs to explore how financial technology continues to evolve across the UK’s regions. Throughout the day, the themes of trust, data, and responsible innovation resonated strongly, reflecting both the opportunities and challenges shaping the next chapter of fintech. The event opened with an
- [Wicked Lunch Reflections: RegTech, Resilience & Compliance](https://ukfin.network/wicked-lunch-reflections-regtech-resilience-compliance/) - Last week, we hosted a Wicked Lunch as part of our Spotlight on RegTech, Resilience and Compliance series. Building on the insights from our Glasgow roundtable, the session brought together voices from industry and academia to explore some of the toughest challenges facing financial services today. Hosted by UKFin+ Director William Knottenbelt Our panellists: Iago
- [Recording available: Collaborative Online Workshop on RegTech and Resilience](https://ukfin.network/recording-available-collaborative-online-workshop-on-regtech-and-resilience/) - Thank you to everyone who joined our UKFin+ Network Collaborative Online Workshop on RegTech and Resilience this week. The session brought together academics and industry professionals for a lively and insightful discussion on some of the most pressing challenges in regulatory technology and financial resilience. The workshop explored emerging themes around AI governance, sustainability, and
- [FTT Fintech Festival 2025: Lessons for the Future of Financial Services](https://ukfin.network/ftt-fintech-festival-2025-lessons-for-the-future-of-financial-services/) - Article 1 - Social Engineering: The Oldest Trick, Supercharged by New Technology Earlier this week, I was part of FTT Fintech Festival 2025, on behalf of UKFin+ and I left with pages of notes, a head full of questions, and a renewed appreciation of just how complex and fast-moving our sector really is. There was
- [Collaborating for the Future of RegTech and Resilience](https://ukfin.network/collaborating-for-the-future-of-regtech-and-resilience/) - UKFin+ Workshop | 14 October 2025 The UKFin+ Collaborative Workshop on RegTech and Resilience brought together over 40 academics, regulators, and industry professionals to explore how technology and research can play a vital role in addressing the most pressing challenges in financial services. This workshop is built directly on the UKFin+ Spotlight on RegTech, Resilience,
- [FTT Fintech Festival 2025: Article 2 - Future Identity & Interoperability: Why the UK Can’t Afford to Fall Behind](https://ukfin.network/ftt-fintech-festival-2025-article-2-future-identity-interoperability-why-the-uk-cant-afford-to-fall-behind/) - Another brilliant session at the FTT Fintech Festival 2025 focused on a topic that affects almost everything in financial services: digital identity and interoperability. Digital identity used to be a niche or technical topic, now it’s becoming the backbone of onboarding, payments, travel, supply chains, fraud prevention, and even how citizens interact with the state.
- [FTT Fintech Festival 2025: Lessons for the Future of Financial Services. - The Chargeback Trap](https://ukfin.network/ftt-fintech-festival-2025-lessons-for-the-future-of-financial-services-the-chargeback-trap/) - The Chargeback Trap: How Fraudsters Win and Businesses Lose One of the sessions at the FTT Fintech Festival 2025 that left a lasting impression on me was the discussion on chargebacks. The scale of the issue now is enormous, and it’s something I’ve personally lived through. During my time when I was running a retail
- [FTT Fintech Festival 2025: Article 4. Beyond Passwords](https://ukfin.network/ftt-fintech-festival-2025-article-4-beyond-passwords/) - Beyond Passwords - Why Identity Must Evolve to Keep Up With the World Another notable moment at the FTT Fintech Festival 2025 was a session examining what it truly takes to move beyond passwords. It was a lively, honest, and sometimes slightly alarming discussion about the future of authentication, identity signals, biometrics, and security in
- [Wales Tech Week: A Glimpse into the Future of Financial Services](https://ukfin.network/wales-tech-week-a-glimpse-into-the-future-of-financial-services/) - Earlier this week, I attended Wales Tech Week and participated in three insightful sessions that explored generative AI in finance, digital currencies, and the future of the insurance industry. It’s remarkable to see how Wales is rapidly transforming the financial services sector, and how uniquely positioned it is to lead this next chapter. It continues
- [Future Finance Finale: Innovation in Action & What’s Next](https://ukfin.network/future-finance-finale-innovation-in-action-whats-next/) - Reflecting on an inspiring day in Bristol, 27 November Last week, I joined financial services leaders, innovators, academics, and partners in Bristol for the Future Finance Finale: Innovation in Action & What’s Next. It was a half-day celebration of what the programme has achieved and a bold look at where innovation adoption in financial services
- [Glimpse of the Future – Reflections from Innovate UK’s Business Connect Event](https://ukfin.network/glimpse-of-the-future-reflections-from-innovate-uks-business-connect-event/) - With so much uncertainty defining today’s world, Innovate UK’s “Glimpse of the Future” event offered a rare space to step back and think beyond the immediate challenges. This event brought together leaders, innovators and curious minds to explore how emerging technologies might shape the next two decades. Rather than telling us what the future will
- [FinTech North Summit York 2025: Innovation, Inclusion, and the Power of Collaboration](https://ukfin.network/fintech-north-summit-york-2025-innovation-inclusion-and-the-power-of-collaboration/) - The FinTech North Summit in York brought together innovators, investors, regulators, and academics from across the UK to explore how financial technology continues to evolve and redefine the future of finance. Throughout the day, discussions moved seamlessly between topics of innovation, investment, and inclusion, showing how the northern fintech community continues to strengthen its position
- [UKFin+ Wicked Lunch: Stablecoins](https://ukfin.network/ukfin-wicked-lunch-stablecoins/) - Thank you to everyone who attended our first "wicked lunch" on one of the wicked problems facing Financial Services: Stablecoins. We had a brilliant discussion chaired by Professor Daniel Broby, a member of the UKFin+ advisory board and Professor of Financial Technology at Ulster University.Thank you to our fantastic panel of industry and academic experts:
- [UKFin+ Wicked Lunch: Quantum Computing](https://ukfin.network/ukfin-wicked-lunch-quantum-computing/) - Thank you to all our panellists for sharing their insightful opinions during our wicked lunch on Quantum Computing in financial services! The discussion was chaired by UKFin+ Director Jing Chen, a Professor of Financial Mathematics at Cardiff. Thank you to our fantastic panel of experts for sharing their knowledge with us: Ross Grassie (Quantum Software
- [UKFin+ Wicked Lunch: Blockchain](https://ukfin.network/ukfin-wicked-lunch-blockchain/) - Thank you to all our panellists for sharing their knowledge and insights during our wicked lunch on Blockchain in financial services! The discussion was chaired by UKFin+ Director William Knottenbelt, Director of the Imperial College Centre for Cryptocurrency Research and Engineering. Thank you to our fantastic panel of experts for sharing their knowledge with us:
- [Funding Details Now Available](https://ukfin.network/funding-details-now-available/) - We are pleased to announce that funding details are now available on our website! This includes important information such as submission deadlines and a comprehensive overview of the various funding types we offer. Make sure to look through the funding sections on our website and explore these details to maximize your chances of securing funding
- [UKFin+ Financial Inclusion and Digital Technologies Collaboration Workshop](https://ukfin.network/ukfin-financial-inclusion-and-digital-technologies-collaboration-workshop/) - Last week UKFin+ hosted a Financial Inclusion and Digital Technologies collaboration workshop at The Studio based in Birmingham. The workshop was part of the UKFin+ spotlight on financial inclusion, running between April and November 2024, where we are promoting the development of collaborative research projects between academics and industry. In partnership with industry, policymakers, charities
- [New application forms and guidance](https://ukfin.network/new-application-forms-and-guidance/) - UKFin+ are always looking to improve the way we do things. Based on feedback received after our first funding call, we have decided to implement changes to the funding application process.
- [RESEARCH SEMINAR: Trading Patterns in the Bitcoin Market](https://ukfin.network/research-seminar-trading-patterns-in-the-bitcoin-market/) - 15th November 2023, 15:15 – 17:15 Room: BD-02-036Ulster University , Belfast Campus, York Street Speaker: Professor Jing ( Maggie) ChenChair in Financial Mathematics at Cardiff University Despite the growing literature on Bitcoin and other cryptocurrencies, we know relatively little about who are involved in trading, transacting and using these assets and how they behave. Examining
- [Funding Clinics Now Open](https://ukfin.network/funding-clinics-now-open/) - UKFin+ online funding clinics are now open for booking in September and October!Our Project Manager Sheena Robertson will be offering funding clinics for all potential applicants to our funding schemes. The clinics will give potential applicants the opportunity to seek clarification on eligibility, criteria and remit of our funding streams before submitting a funding application.Book here
- [UKFin+ Birmingham Launch](https://ukfin.network/ukfin-birmingham-launch/) - On the 4th of July UKFin+ launched in Birmingham with a terrific event at The Exchange. Our photographer Amy from Creative Media at the University of Birmingham did a brilliant job of capturing some of the highlights. The event commenced with an overview of UKFin+ EPSRC funded Network Plus on FinTech in the UK by
- [What is a wicked problem?](https://ukfin.network/what-is-a-wicked-problem/) - UKFin+ is a £2.5M programme of funding, tackling wicked problems in financial services. But what is a wicked problem? ‘Wicked problem‘ is a term first coined in the 1960s/70s to describe problems that are resistant to solutions. These wicked problems cannot be solved, only managed through working together. UKFin+ will distribute funding to researchers and
- [AI and Data Science Conversion Masters Scholarships at the University of Birmingham](https://ukfin.network/ai-and-data-science-conversion-masters-scholarships-at-the-university-of-birmingham/) - The University of Birmingham is offering 120 awards of £10,000 to upskill UK students from non-STEM and far-STEM degrees to progress into the AI and Data Science workforce. Scholarship funding will be prioritised for women, Black students, disabled students and those from lower socioeconomic backgrounds, to ensure that AI reflects the makeup of our society.
- [The Exchange: a history in banking](https://ukfin.network/the-exchange-a-history-in-banking/) - This beautiful example of monumental municipal masonry was originally a bank, built in 1933 as the headquarters of the City Council’s Savings bank. The bank was established in 1916 by Neville Chamberlain, an active member of the University’s Court and the son of its first Chancellor, Joseph. The Birmingham Municipal Bank was the first of
- [The Conversation article:](https://ukfin.network/the-conversation-article/) - "Buy now pay later: Klarna is courting young shoppers with Paris Hilton and TikTok-style algorithms – here’s why it’s a problem" The rise of Buy Now Pay Later (BNPL) credit sees around 30% of the UK population now using BNPL services. However, new marketing strategies adopted by Klarna have caused concerns around underplaying overconsuming and borrowing

## Pages

- [Home Page](https://ukfin.network/) - UKFin+ is a £2.5M programme of funding from the EPSRC, funding research collaborations for wicked problems in financial services, and growing a network between fintech hubs in the UK.
- [UKFinnovator Bristol: FinTech & Blockchain Talent Accelerator](https://ukfin.network/ukfinnovator-bristol-fintech-blockchain-talent-accelerator/) - UKFinnovator Bristol: FinTech & Blockchain Talent Accelerator Apply Now and Shape the Future of Sustainable FinTech, Together Apply Here Join the UKFinnovator Bristol: FinTech & Blockchain Talent Accelerator and Shape the Future of Sustainable FinTech, Together The UKFinnovator Bristol: FinTech & Blockchain Talent Accelerator is a high-energy, three-day innovation experience hosted by the University of
- [UKFinnovator](https://ukfin.network/ukfinnovator/) - UKFinnovator Turn ideas into real FinTech solutions. Collaborate. Prototype. Pitch. A regional FinTech innovation competition for students UKFinnovator is a dynamic, two-day innovation hackathon designed to connect talented university students with real-world challenges from industry. The event is open to ALL disciplines – developers, designers, business thinkers, policy experts, creatives, analysts, and problem-solvers of every
- [Events](https://ukfin.network/events/) - UKFin+ Events. Join the network to stay up to date with our latest funding calls, networking events and workshops.
- [Data-driven Materiality for Sustainability Reporting](https://ukfin.network/data-driven-materiality-for-sustainability-reporting/) - Data-driven Materiality for Sustainability Reporting Join the network Project Summary From 2026, around 150,000 companies globally need to report how the environmental, social and governance (ESG) factors materially affect their financial performance. There are no objective ways of choosing which ESG factors are important; the approach to financial materiality assessment of various ESG factors for
- [Funded Projects](https://ukfin.network/funded-projects/) - UKFin+ opened for funding applications September 2023, below is a list of projects which have since been funded by the network.
- [FinTech Discovery Day](https://ukfin.network/fintech-discovery-day/) - FinTech Discovery Day Join the network Project Summary The FinTech Discovery Day is a one-day event at Swansea University for students aged 16-18 from local schools and colleges. It introduces how finance is changing through the use of data and digital technologies, and what this means for everyday life and future careers. Through interactive workshops
- [Agile Project: Mitigating Stress and Confusion in Credit Contracts using Machine Learning and Simplification](https://ukfin.network/mitigating-stress-and-confusion-in-credit-contracts-using-machine-learning-and-simplification/)
- [Developing and Validating Personas for Understanding Young Adults’ Engagement with Credit Card Agreements in the UK](https://ukfin.network/developing-and-validating-personas-for-understanding-young-adults-engagement-with-credit-card-agreements-in-the-uk/) - Developing and Validating Personas for Understanding Young Adults’ Engagement with Credit Card Agreements in the UK Join the network Project Summary When young adults sign up for a credit card, they become legally bound by an agreement that many find difficult to read and understand. This problem is particularly acute for those already at financial
- [DEFEND Impact: Deploying Contextualised Digital Banking Security Tools for Older Adults in Wales](https://ukfin.network/defend-impact-deploying-contextualised-digital-banking-security-tools-for-older-adults-in-wales/) - DEFEND Impact: Deploying Contextualised Digital Banking Security Tools for Older Adults in Wales Join the network Project Summary Older adults are targeted by financial scammers up to 27 times more than younger people, yet most digital banking tools are not designed with their needs in mind. As bank branches close and services move online, many
- [UKFinnovator Apply Now](https://ukfin.network/ukfinnovator-apply-now/) - UKFinnovator Apply Now Build the Future of FinTech, Together! Apply Here A two-day innovation challenge for ALL disciplines – developers, designers, business thinkers, policy experts, creatives, analysts, and problem-solvers of every kind. Are you ready to take on a real industry challenge, make new connections, and turn your ideas into something that could become a
- [UKFinnovator Become a Challenge Setter](https://ukfin.network/ukfinnovator-become-a-challenge-setter/) - UKFinnovator Become a Challenge Setter Build the Future of FinTech, Together! Apply Here Want to engage with the next generation of FinTech talent? As a Challenge Setter, your company can: Present a real challenge aligned with your business goals Collaborate with diverse, creative student teams exploring new solutions Gain exposure to emerging talent and innovative
- [What is a Spotlight?](https://ukfin.network/what-is-a-spotlight/) - We will be running a series of Spotlights over the remaining duration of the UKFin+ network, to put a metaphorical spotlight on topics in the run up to our bi-annual funding deadlines.
- [UKFin+ Sandpit](https://ukfin.network/ukfin-sandpit/) - UKFin+ Sandpit Join the network Co-designing Solutions for Inclusive Finance UKFin+ invites expressions of interest from academics to participate in a one day sandpit taking place on 13th July 2026 at the University of Birmingham. This sandpit will bring together a small, interdisciplinary group of researchers to explore and respond to a set of real-world challenges within the community finance and credit union
- [UKFin+ Research Showcase 2024](https://ukfin.network/ukfin-research-showcase-2024/) - UKFin+ invites you to participate in our Research Showcase event, where we will conclude our financial inclusion spotlight, launch our research agenda and our next spotlight on game-changing technologies.
- [TRACE – Transparency and Risk Assessment for Cross-Chain Compliance Evaluation](https://ukfin.network/trace-transparency-and-risk-assessment-for-cross-chain-compliance-evaluation/) - TRACE – Transparency and Risk Assessment for Cross-Chain Compliance Evaluation Join the network Project Summary Blockchains are rapidly becoming part of financial infrastructure, but intelligence on high-risk addresses remains highly fragmented. Different institutions maintain their own lists and databases with incompatible formats, uneven update cycles and limited machine-readable access. Many sources report that an address
- [Testing the Intelligibility of Credit Information through the Amplifi AI Tool](https://ukfin.network/testing-the-intelligibility-of-credit-information-through-the-amplifi-ai-tool/)
- [SAiFE: A Sandbox for AI-powered trading in decentralised Financial markets ](https://ukfin.network/saife-a-sandbox-for-ai-powered-trading-in-decentralised-financial-markets/)
- [Responsible Intelligence: Preparing Students for the Ethical and Effective Use of AI in Finance ](https://ukfin.network/preparing-students-for-the-ethical-and-effective-use-of-ai-in-finance/) - Responsible Intelligence: Preparing Students for the Ethical and Effective Use of AI in Finance Join the network Project Summary Artificial intelligence (AI) is transforming how financial services operate, from fraud detection and risk management to the use of generative AI for analysing text, classifying information and producing meeting minutes. Yet while most UK finance companies
- [Responsible Deployment of Frontier AI in Financial Services: Policy Pathways and Risk Frameworks ](https://ukfin.network/responsible-deployment-of-frontier-ai-in-financial-services-policy-pathways-and-risk-frameworks/)
- [Research Challenges: RegTech, Financial Resilience & Compliance](https://ukfin.network/research-challenges-regtech-financial-resilience-compliance/) - Research Challenges: RegTech, Resilience and Compliance Roundtable Roundtable Discussions As part of the Spotlight on RegTech Resilience and Compliance, UKFin+ hosted a roundtable event in Glasgow on 16 July 2025. This event brought together leading voices from industry, academia, and government to address some of the most persistent and complex challenges facing financial services. The
- [Research Agenda](https://ukfin.network/research-agenda/) - Research Agenda Join the network A Word From Our DirectorsWe are delighted to unveil the UKFin+ research agenda. The research agenda highlights opportunities for collaborative research to address the most pressing long-term challenges facing the UK’s financial services sector. The agenda presents six areas of real-world importance – from harnessing disruptive technologies to promoting financial
- [RegTech, Resilience and Compliance Spotlight](https://ukfin.network/spotlights/) - UKFin+ Spotlight RegTech, Resilience and Compliance May - November 2025 Our upcoming spotlight focuses on RegTech, Resilience and Compliance, running from May to November 2025. The financial services sector is subject to rigorous regulatory oversight, and the UK is no exception. A complex framework of existing and emerging legislation governs the industry, overseen by key
- [RadarSeq Pilot: A Predictive AI for Risk Intelligence and Customer Excellence](https://ukfin.network/radarseq-pilot-a-predictive-ai-for-risk-intelligence-and-customer-excellence/) - RadarSeq Pilot: A Predictive AI for Risk Intelligence and Customer Excellence Join the network Project Summary The RadarSeq Pilot explores how Artificial Intelligence can improve trust, transparency, and customer understanding across the UK’s FinTech and social-care sectors. Led by Dr Fahimeh Jafari and her team at the Centre of FinTech, UEL, the project builds on a previously published RadarSeq model, extending it
- [Project Partners](https://ukfin.network/project-partners/) - Project Funding - EPSRCUniversity Partners - University of Birmingham, Cardiff University, University of Edinburgh, Imperial College London. Industry Partners.
- [Pilot Project: UnFed: Selective Forgetting in Federated Financial Applications](https://ukfin.network/pilot-project-unfed-selective-forgetting-in-federated-financial-applications/)
- [Pilot Project: The Impact of FinTech Apps on Consumer Wellbeing](https://ukfin.network/pilot-project-the-impact-of-fintech-apps-on-consumer-wellbeing/) - Original Project Summary The cost-of-living crisis highlights once more how the availability of financial resources impacts human wellbeing. In addition to income inequality, lacking access to financial support or financial literacy gaps may lead to more individuals struggling – financially and otherwise. Various digital apps offer access to financial services and planning tools. The design
- [Pilot Project: Inclusive FinTech: Co-Creating Inclusive Future Financial Technologies with Disabled Communities ](https://ukfin.network/pilot-project-inclusive-fintech-co-creating-inclusive-future-financial-technologies-with-disabled-communities/)
- [Pilot Project: Establishing a Cryptocurrency Volatility Indicator with Sentiment (CVIS)](https://ukfin.network/pilot-project-establishing-a-cryptocurrency-volatility-indicator-with-sentiment-cvis/) - Pilot Project: Establishing a Cryptocurrency Volatility Indicator with Sentiment (CVIS) Join the network Project Summary Cryptocurrencies, despite offering significant investment potentials, are commonly viewed as highly volatile and speculative assets. Incidents like the FTX collapse and the recent financial fraud case involving Sam Bankman-Fried add further uncertainty to the Bitcoin market. However, rather than inducing
- [Pilot Project: DEFEND: Designing Age-Friendly Digital Banking Technologies](https://ukfin.network/pilot-project-defend-designing-age-friendly-digital-banking-technologies/)
- [Objectives](https://ukfin.network/objectives/) - UKFin+ aims to establish a national network that grows and promotes world-class research to address wicked problems in financial services (FS), for the betterment of the UK's economy and its society at large.
- [News sentiment analysis for sustainable investing](https://ukfin.network/news-sentiment-analysis-for-sustainable-investing/)
- [Leveraging Artificial Intelligence to Enhance and Understand Regulatory Compliance in the Investment Management Industry](https://ukfin.network/feasibility-project-leveraging-artificial-intelligence-to-enhance-and-understand-regulatory-compliance-in-the-investment-management-industry/)
- [Join Us](https://ukfin.network/join-us/) - Joining UKFin+: Our open communication channels are our website, LinkedIn and X (previously known as Twitter). By joining the UKFin+ mailing list you will:
- [Investigating Multimodal Knowledge Graphs as Infrastructures for Digital Twins of Financial Operations Risks](https://ukfin.network/investigating-multimodal-knowledge-graphs-as-infrastructures-for-digital-twins-of-financial-operations-risks/)
- [Including the financially excluded via credit unions](https://ukfin.network/including-the-financially-excluded-via-credit-unions/)
- [How to apply](https://ukfin.network/funding-details/) - What can the funding be used for? Full details on funding eligibility, EDI, RRI, collaboration expectations and funding details are available.
- [Guiding Real-Time LLM Market Analytics for the UK Financial Industry](https://ukfin.network/guiding-real-time-llm-market-analytics-for-the-uk-financial-industry/) - Guiding Real-Time LLM Market Analytics for the UK Financial Industry Join the network Project Summary Automation of reporting, research and signal generation carry significant risks and opportunities. Reports generated by LLMs need to be actionable, explainable, inter-operable and compliant to deliver benefits for firms, investors, consumers and the economy. AI’s speed and scale need harnessing
- [Greenwashing Analysis: A Data Science Approach to Evaluating ESG Integrity](https://ukfin.network/greenwashing-analysis-a-data-science-approach-to-evaluating-esg-integrity/)
- [Greenwashing Analysis in Practice: Trialling an Explainable ESG Disclosure Assessment Tool with a Financial Services Partner](https://ukfin.network/greenwashing-analysis-in-practice-trialling-an-explainable-esg-disclosure-assessment-tool-with-a-financial-services-partner/) - Greenwashing Analysis in Practice: Trialling an Explainable ESG Disclosure Assessment Tool with a Financial Services Partner Join the network Project Summary Companies increasingly publish Environmental, Social and Governance (ESG) claims in sustainability reports, but it is often difficult to judge whether those claims are clear, measurable and supported by evidence. This project builds on our
- [Funding Streams](https://ukfin.network/funding-streams/) - UKFin+ has five funding streams - Agile, Pilot, Feasibility, Impact, Education & Engagement. This funding is to enable collaborations between researchers and practitioners tackling wicked problems in the UK financial services sector.
- [Funding FAQ](https://ukfin.network/funding-faq/) - Where can I find call guidance? How can I find a partner to work with? Can I apply as an Early Career Researcher? How will funding decisions be made?
- [Funding Clinic](https://ukfin.network/funding-clinic/) - UKFin+ is offering funding clinics for all potential applicants to our funding schemes. The clinics will give potential applicants the opportunity to seek clarification on eligibility, criteria and remit of our funding streams before submitting a funding application.
- [FinTech & Blockchain Talent Accelerator - Blockchain applications solving wicked problems in Fintech](https://ukfin.network/fintech-blockchain-talent-accelerator-blockchain-applications-solving-wicked-problems-in-fintech/) - FinTech & Blockchain Talent Accelerator - Blockchain applications solving wicked problems in Fintech Join the network Project Summary FinTech & Blockchain Talent Accelerator is a hands-on programme led by the University of the West of England (UWE) with SuperteamUK. It brings students and the public together with founders and industry mentors to learn fast, build
- [Feasibility Project: Designing out economic abuse in the UK banking industry](https://ukfin.network/feasibility-project-designing-out-economic-abuse-in-the-uk-banking-industry/)
- [Equality, Diversity and Inclusion](https://ukfin.network/equality-diversity-and-inclusion/) - UKFin+ EDI Statement - A commitment to Equality, Diversity and Inclusion (EDI) is crucial to allow the UK Fin Network Plus to achieve its aims.
- [Contact Us](https://ukfin.network/contact-us/) - We’re located at the University of Birmingham in the School of Computer Science, contact us for more information on our funding opportunities.
- [Code of Conduct](https://ukfin.network/code-of-conduct/) - Code of Conduct UKFinnovator events are designed to be an exciting and inspiring development experience for all involved. We want everyone to have an enjoyable and safe time at the events whilst being part of a diverse network. Whilst taking part in the events, you are required to conduct yourself in an appropriate manner. This
- [An Agile Proposal for a Feasibility Study on a Gifted Account Information Service Provider (AISP) for Research Data](https://ukfin.network/an-agile-proposal-for-a-feasibility-study-on-a-gifted-account-information-service-provider-aisp-for-research-data/) - Original Project Summary This is a feasibility study for a large-scale financial database and research resource, containing anonymised bank records and financial information gifted by UK individuals. The proposed database will gather this information using an api that makes use of open banking protocols. The study will assess the data privacy, charitable and legal aspects
- [AI-driven Privacy Risk Assessment in Cyber Insurance ](https://ukfin.network/ai-driven-privacy-risk-assessment-in-cyber-insurance/) - AI-driven Privacy Risk Assessment in Cyber Insurance Join the network Project Summary Today, cyber insurance mostly covers security risks like data breaches or ransomware, but it misses a big threat: privacy risks (e.g., misusing customer data, ignoring GDPR rules, or collecting too much sensitive information). This means insurers and businesses alike are blindsided by fines, reputational harm,
- [AI-Driven Financial Resilience Labs for ESG and Financial Services](https://ukfin.network/ai-driven-financial-resilience-labs-for-esg-and-financial-services/) - AI-Driven Financial Resilience Labs for ESG and Financial Services Join the network Project Summary This project will develop hands-on, industry-informed teaching labs that help students build practical skills for careers in financial services. Focusing on ESG (Environmental, Social, and Governance), climate risk, and data-driven decision-making, the labs will enable students to work with real-world datasets
- [Agile Project: FinTech for Dementia: Co-Designing Inclusive Future Financial Technologies for Older Adults living with Dementia and Caregivers](https://ukfin.network/agile-project-fintech-for-dementia-co-designing-inclusive-future-financial-technologies-for-older-adults-living-with-dementia-and-caregivers/)
- [Agile Project: Fintech entrepreneurship and innovation in online black markets.](https://ukfin.network/agile-project-fintech-entrepreneurship-and-innovation-in-online-black-markets/)
- [Agile Project: Enhancing Consumer Knowledge of Crypto Assets](https://ukfin.network/agile-project-enhancing-consumer-knowledge-of-crypto-assets/)
- [Agile Project: Contemporary Artificial Intelligence & Machine Learning Adoption by Fund Managers ](https://ukfin.network/agile-project-contemporary-artificial-intelligence-machine-learning-adoption-by-fund-managers/)
- [Advisory Board](https://ukfin.network/advisory-board/) - Advisory Board Join the network Julian Wells Director, Whitecap Consulting Julian is a strategy consultant with over 25 years experience in financial and professional services. Whitecap Consulting is a strategy consultancy based in Leeds, Manchester, Milton Keynes, Bristol, Newcastle and Birmingham. It is particularly active in high growth sectors. Whitecap’s financial services clients have included banks, building societies, technology providers,
- [About UKFinnovator](https://ukfin.network/about-ukfinnovator/) - About UKFinnovator Turning Student Ideas into FinTech Solutions Empowering the Next Generation of FinTech Innovators UKFinnovator is a dynamic, two-day innovation competition designed to connect talented university students with real-world challenges from industry. Hosted by the UKFin+ Network, UKFinnovator brings together students, researchers, startups, and established businesses to co-create solutions that drive innovation in FinTech
- [About the team](https://ukfin.network/about-the-team/) - UKFin+ Academics and Professional Services: Aad van Moorsel, Jing Chen, Karen Elliott, William Knottenbelt, John Vines, Sheena Robertson, Helen Orpin
- [About the Network](https://ukfin.network/about-the-network/) - The UKFin+ network's mission is to bridge the gap that currently exists between the research in universities and the needs of the financial services industry, its consumers and the regulator.
- [A Targeted Support System to Bridge the Advice Gap ](https://ukfin.network/a-targeted-support-system-to-bridge-the-advice-gap/) - A Targeted Support System to Bridge the Advice Gap Join the network Project Summary The financial advice gap refers to the limited demand for professional financial guidance, caused by consumers’ inability or unwillingness to afford such services (Financial Conduct Authority, FCA 2023). This gap is well-established and is known to negatively impact individual investors’ financial
- [Research Mapping Tool](https://ukfin.network/research-mapping-tool/) - Research Mapping Tool Join the network The Research Mapping Tool provides an interactive overview of the UK FinTech research landscape. It brings together information on FinTech-related research centres across the UK and shows where UKFin+ funded projects are located. The tool has been developed to make it easier to explore research expertise, identify potential collaborators
- [Funding Deadlines](https://ukfin.network/funding-deadlines/) - After 6 funding deadlines and more than 30 successfully funded projects, it is now time to close the UKFin+ funding streams! We are hosting a sandpit this July to use the last of our funding, the deadline to submit expressions of interest for this has now passed.
- [Funding Selection Criteria](https://ukfin.network/funding-selection-criteria/) - Funding Selection Criteria - Funding selection criteria are based on the EPSRC criteria adjusted to reflect the scale of the UKFin+ commissioning framework.
- [Privacy Policy](https://ukfin.network/privacy-policy/) - UKFin+ processes the personal data of those signed up to our mailing list, in order to keep you up to date with relevant news, events and opportunities related to UKFin+
- [Latest Updates](https://ukfin.network/latest-updates/) - View the latest updates and blog posts from UKFin+ events, funding opportunities and announcements.
- [Glossary of funding terms](https://ukfin.network/glossary-of-funding-terms/) - UKFin+ Glossary of funding terms

## Galleries

- [birmingham UKFinnovator](https://ukfin.network/bwg_gallery/birmingham-ukfinnovator/)
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- [London game changing tech](https://ukfin.network/bwg_gallery/london-game-changing-tech/)
- [Research Showcase 2024](https://ukfin.network/bwg_gallery/research-showcase-2024/)
- [Birmingham workshop 24](https://ukfin.network/bwg_gallery/birmingham-workshop-24/)
- [Bristol workshop 24](https://ukfin.network/bwg_gallery/bristol-workshop-24/)
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## Gallery Share

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## Categories

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## Tags

- [event](https://ukfin.network/tag/event/)
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