From Onboarding to Ongoing Monitoring: Why Static Risk Data Is No Longer Enough
There’s a moment many bank risk teams know well. A concern is flagged about a borrower. The portfolio team pulls up the file. The most recent resilience data they hold on that company? Collected at onboarding. Eighteen months ago. Via a form the client half-filled in.
From Fixed Rates to Hidden Charges: How UK SMEs Lost Control of Their Energy Costs
There is a number that should alarm every retail and hospitality business owner in the UK. According to The Disruption House’s estimates, 8 in 10 businesses are overpaying in energy. That is not a rounding error. It is a systemic failure, and chances are your business is caught up in it.
Equitability in Supplier Screening: Avoiding Pay to Play
There is a quiet but growing tension at the heart of supplier screening. Large organisations are under more pressure than ever to understand the sustainability and resilience profile of the companies in their supply chains and counterparty networks.
The Disruption House’s Approach to Supplier Screening
Most companies have some processes to measure and monitor supply chain risk. They know their tier one suppliers. They run onboarding checks. They send out questionnaires. On paper, it looks like a controlled process. In reality, it is not. The problem is a lack of usable data and prioritisation. Most suppliers, especially mid- market and […]
Energy Brokers Made Your Contract Complicated on Purpose and Here Is Why That Matters Now
Most retail and hospitality businesses do not spend time thinking about their energy contracts. They rely on brokers to handle procurement, assuming the price they are quoted reflects the true cost of energy, but it often doesn’t. The complexity in energy contracts is not accidental. It is designed. Brokers often present a simple unit rate, […]
Why Compliance Is Moving from Disclosure to Verification
For over a decade, sustainability and climate-related compliance has been built on disclosure. Banks collected data, often through questionnaires, annual reports, or client submissions, and used it to meet regulatory and internal reporting requirements. That model is now breaking down. The shift is structural. Compliance is moving from disclosure to verification. The reason is simple. […]
What Is the Verification Tax and Why It Is Slowing Down Climate Finance
As banks scale their climate and transition finance activities, one challenge is becoming increasingly clear. The issue is not a lack of capital, nor a lack of demand from businesses. It is execution. At the centre of this challenge sits what is often referred to as the verification tax. The verification tax describes the cost […]
The Silent Margin Killer in Hospitality Is Not Food Inflation, It Is Your Energy Contract
When hospitality operators talk about margin pressure, the focus usually falls on food and labour costs. Rising ingredient prices and wage increases have been widely reported, and for good reason. According to the Office for National Statistics, food inflation reached double-digit levels in recent years, placing direct pressure on restaurant and hotel margins. But while […]
What Is the Data Gap in Supply Chains and Why It Matters
Supply chains are becoming more complex, and expectations around supplier transparency are increasing. Companies are now expected to understand not just who their suppliers are, but how they operate. This includes everything from certifications and compliance to operational risk and standards. At the same time, the data needed to support these decisions is often incomplete […]
Energy Bills Are Changing in 2026. Your Costs Aren’t
The UK energy system has always included a complex mix of additional charges. Mechanisms such as the Climate Change Levy, Contracts for Difference, Renewables Obligation and Feed-in Tariffs, alongside network costs like DUoS and TNUoS, have long made up a portion of total energy spend. What is changing in 2026 is not the cost itself, but its visibility. And that creates risk.