Author: Professor Brian Scott-Quinn.

Credit risk might be a major concern for lenders, but it's not the only risk that can bring a business to its knees. With UK regulators preparing to tighten the rules on lenders and BNPL firms in 2026, regulatory risk is still the threat that too many are letting slip down the priority list. Recent headlines show how costly non-compliance can be, not only in fines but in investor confidence. Are firms tackling the issue and automating compliance before the regulators come knocking?

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