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From ‘Kissing with Confidence’ to KWC Global: how Russell Wardrop turns training into a profit centre
Business

From ‘Kissing with Confidence’ to KWC Global: how Russell Wardrop turns training into a profit centre

by November 28, 2025

For a quarter of a century, Russell Wardrop has been in the same line of work—creating rainmakers.

As co‑founder and chief executive of KWC Global, based in Glasgow and London, Wardrop has made a career of helping lawyers, accountants and financiers learn the commercial skills business school often forgets: how to sell, lead and grow. His thesis is disarmingly simple: if learning and development is designed correctly and linked to tangible outcomes, it stops being an overhead and starts paying for itself.

‘Too much L&D is treated as a discretionary cost,’ he says. ‘It’s not quite entertainment, but it’s rarely embedded in strategy or measured against the top line. That’s a big miss—so we made it our mission.’

The spark: from lecture theatre to marketplace

Wardrop and his co‑founder—and wife—Sharon (pictured) began in academia. He had trained as an architect and developed a parallel career as a speaker; she studied law, relished the detail and, by his account, ‘loved a spreadsheet’. Between them they had deep experience in building and validating degree and postgraduate programmes. What they could see, and what many firms could not, was the chasm between technical excellence and commercial impact.

‘There are so many brilliant professionals who are never taught how to sell or influence,’ Wardrop says. ‘We built programmes that gave them those tools—and the rest is history.’

At the outset they chose a name you couldn’t ignore: Kissing with Confidence. They were not theatre coaches but business people with a promise of ‘fiercely direct feedback’ and practical drills. The offering has since matured into KWC Global and the Rainmaker Series, delivered worldwide to blue‑chip firms across law, accountancy and financial services.

Profit centre, not cost centre

The KWC method starts with the end in mind. ‘We have ROI front and centre from first client contact,’ Wardrop says. That’s not a vague aspiration but a design principle: define the behaviours that will move revenue, build the learning around them, and measure both the qualitative and quantitative shifts.

‘Training only works when it changes behaviour and boosts performance,’ he adds. ‘If what we do doesn’t achieve that, we fix it—or we stop doing it.’ The discipline extends to client service: KWC prides itself on a ‘relentless’ focus there, and on maintaining what Wardrop calls a world‑class Net Promoter Score.

The rainmaker’s toolkit

So what, in KWC parlance, makes a rainmaker? The firm’s curriculum blends leadership, sales and influence. Participants practise framing value, running tough conversations, navigating politics without losing their edge, and moving stakeholders from ‘maybe’ to ‘yes’. The constant refrain: outcomes.

‘We always ask: how does this move the needle?’ Wardrop says. ‘That’s the difference between an overhead and an investment.’

Missteps, momentum and the Zoom moment

Wardrop is candid about what he would change. ‘Plenty,’ he laughs. ‘But every misstep taught us something vital.’ If he has a single do‑over, it might be technology: ‘Had I embraced it sooner we’d be further ahead. Zoom was an unexpected lifeline in lockdown that took us global overnight.’ The lesson, delivered with trademark bluntness, is not to over‑analyse the past. ‘When you’ve longer to look back than forward it’s tempting to dissect everything. That’s not my thang. If I’d known more about business earlier we might be bigger—or bust.’

Who he admires

Two names come quickly. First, Dr Brian Williamson, the Stirling‑based serial entrepreneur. ‘He changed the way I think about business,’ Wardrop says. ‘Growth comes from clarity of vision and relentless focus on outcomes.’ The second is Gordon Ramsay—for reasons you can guess. ‘Unflinching honesty and high standards. A bit of fire never hurt anyone.’

The KWC way: straight talking, action, evidence

Wardrop’s own style is baked into the firm’s culture: plain‑speaking, action‑oriented and allergic to theatre for theatre’s sake. ‘Designed correctly,’ he repeats, ‘training becomes a profit centre, not a cost centre.’ That design is the difference between a day out of the office and a commercial intervention.

Advice for founders and professionals

Pressed for counsel to those starting out, Wardrop offers a terse checklist:
• Find your focus. Face the wall. ‘Get brilliant at something specific.’
• Learn to sell. Market yourself. Be visible. Technical mastery isn’t enough if no one knows.
• Build resilience. ‘It’s forged in the tough times. If you meet me, ask what my favourite recession was.’
• Be distinctive. ‘Find an angle and be, in some way, unique.’ The original Kissing with Confidence brand, and the promise of direct feedback, was precisely that.
• Flip the frame. ‘If you can turn what others see as a cost into a growth lever—like reframing L&D—you’ll build a business that lasts. Or, as Gordon Ramsay would say, you have a chance.’

On being outcomes‑obsessed

Wardrop bristles at the idea that training is soft. For him, the soft stuff is the hard edge of growth: the ability to win work, hold your price, lead teams and motivate colleagues. What matters is to prove impact. KWC’s engagements begin by agreeing the metrics that matter—new pipeline created, conversion rates improved, average fee uplift, client retention, cross‑sell, leadership scores—and end by reporting back against them.

This outcomes obsession is what clients remember. It’s also what has kept KWC relevant across cycles. Markets change, sectors consolidate, tastes in learning come and go; the need to grow never does.

If there is a unifying thread it is directness. Wardrop is the first to concede he doesn’t do corporate euphemism. But clients don’t hire him for euphemism. They hire him for momentum—and for the programme architecture, coaching and accountability that sustain it after the workshop high has faded.

The architecture looks simple because it is simple: focus, practise, apply, measure, iterate. Do the important things consistently and watch the scoreboard.

Wardrop has spent 25 years turning sceptics into salespeople and technicians into leaders. The formula is not secret, just rarely applied with rigour. ‘Find the behaviours that move revenue and embed them,’ he says. ‘Everything else is commentary.’

For firms wondering whether to spend on training this year, that’s the challenge: don’t spend—invest. Put ROI at the beginning, not the end. Design for outcomes. Measure what matters. And insist that everyone who touches a client can sell, influence and lead.

If you do all that, Wardrop suggests, you won’t be debating whether L&D is an overhead for long.

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From ‘Kissing with Confidence’ to KWC Global: how Russell Wardrop turns training into a profit centre

November 28, 2025
Reeves and Kendall summon telecoms chiefs, warning firms must do more to protect consumers from unexpected price hikes
Business

Reeves and Kendall summon telecoms chiefs, warning firms must do more to protect consumers from unexpected price hikes

by November 28, 2025

Chancellor Rachel Reeves and Technology Secretary Peter Kyle have warned the UK’s major telecoms companies that they must do more to protect customers from unexpected mid-contract price rises, urging the sector to improve transparency and treat consumers “fairly and consistently”.

In a joint letter sent to mobile and broadband CEOs, the ministers said too many customers still face confusing or unclear pricing mechanisms and called on providers to reaffirm that no customer under contract should face price increases beyond what they originally agreed to.

Reeves and Kyle also pushed firms to proactively shift legacy customers onto simpler “pounds and pence” price-increase structures, replacing percentage-based rises currently linked to inflation, which ministers say undermine clarity for consumers.

The ministers will bring industry leaders into Whitehall in the coming weeks for a roundtable to discuss further steps to support consumers and identify areas where government can help unlock investment in digital infrastructure.

The meeting follows Kyle’s recent letter to Ofcom urging the regulator to keep up pressure on providers over pricing fairness.

“Companies need to do more to protect loyal consumers”

Kyle said telecoms services were essential for everyday life — from running businesses to staying connected with family — and that firms must step up.

“Mobile and broadband bills are an essential, everyday cost for millions. But it is clear that companies need to do more to protect their consumers — loyal customers who rely on these services to run businesses and stay in touch with loved ones,” he said.

“When we meet them shortly, I expect company bosses to put forward clear plans to shield Brits from unexpected price rises and improve their customer communications.”

Kyle added that the government is committed to working with industry to support long-term investment in next-generation connectivity, but said fairness must be “at the heart” of the sector’s approach.

Government links pricing concerns to wider infrastructure goals

The push on telecoms pricing comes as the government sets out its broader ambitions for digital infrastructure through a 10-Year Infrastructure Strategy. The plan includes:
• Standalone 5G coverage across all populated areas by 2030, delivered through commercial investment
• 99% gigabit-capable broadband coverage by 2032
• Continued sector commitments to social tariffs and digital inclusion initiatives

Ministers stressed that the telecoms sector is “fundamental” to the UK’s economy and that ensuring fair treatment for consumers is a prerequisite for public confidence as providers continue to upgrade networks.

With inflation-linked price rises drawing sustained criticism from consumer groups, the government’s intervention signals a tougher stance on clarity and fairness, while positioning itself as a partner for long-term investment in nationwide digital connectivity.

Read more:
Reeves and Kendall summon telecoms chiefs, warning firms must do more to protect consumers from unexpected price hikes

November 28, 2025
Revolut surpasses Barclays in value after Nvidia-backed deal puts fintech at $75bn
Business

Revolut surpasses Barclays in value after Nvidia-backed deal puts fintech at $75bn

by November 28, 2025

Revolut has overtaken Barclays in valuation after securing a $75 billion price tag in a major secondary share sale backed by Nvidia, cementing its position as Europe’s most valuable private tech company and the standout success story of Britain’s fintech sector.

The deal — largely involving staff selling portions of their holdings — marks a dramatic jump from Revolut’s $45 billion valuation last year. It now exceeds the market capitalisation of Barclays (£55.7bn / $73bn), as well as other UK banking giants including Lloyds and NatWest.

The transaction attracted heavyweight investors including Coatue, Greenoaks, Dragoneer and Fidelity, while Nvidia’s venture arm has taken an equity stake — a symbolic endorsement from one of the world’s most influential technology firms.

The deal is Revolut’s fifth employee share sale and allows thousands of its more than 10,000 staff to cash in on the company’s growth. Employees were permitted to sell up to 20% of their holdings, with shares priced at $1,381.06 each. No new capital was raised, and Revolut has not disclosed the value of shares sold.

Founded ten years ago as a low-cost currency card, Revolut has grown into a sprawling financial platform offering payments, crypto trading, share dealing, business accounts and lending across Europe, the US and Australia.

Led by co-founder and CEO Nik Storonsky, Revolut now claims 65 million customers. The company generated £3.1bn in revenue and £1.1bn in pre-tax profit last year — a milestone result that has fuelled investor demand.

Storonsky said the latest valuation “reflects the remarkable progress we have made in the last 12 months towards our vision of building the first truly global bank”.

Despite its meteoric rise, Revolut remains stuck in the UK regulatory “mobilisation phase” and cannot yet launch full UK banking services. Its application – submitted three years ago – has faced delays over historic accounting issues and the complexity of its global structure.

Regulators granted a provisional licence in July 2024, allowing Revolut to build and test core banking systems. However, final approval from the Bank of England’s Prudential Regulation Authority has not yet been granted.

Most challenger banks spend around a year in mobilisation; Revolut’s longer wait reflects regulators’ scrutiny of its internal controls, governance and broader operational footprint.

While UK approval remains pending, Revolut is accelerating international banking launches. It received a banking licence in Mexico last year, and last month secured regulatory approval to establish a bank in Colombia. In Europe, Revolut lends under a Lithuanian licence obtained in 2018; in the US and Australia it partners with licensed banks.

Achieving UK bank status remains strategically important – enabling Revolut to compete head-on with incumbents such as Barclays and NatWest while also unlocking smoother global expansion.

For now, its new valuation, high-profile investors and continued profitability underline Revolut’s status as the most significant financial technology success story to emerge from Europe.

Read more:
Revolut surpasses Barclays in value after Nvidia-backed deal puts fintech at $75bn

November 28, 2025
Keir Starmer retreats on ‘day-one’ workers’ rights after business revolt
Business

Keir Starmer retreats on ‘day-one’ workers’ rights after business revolt

by November 28, 2025

The government has dropped its flagship plan to give workers the right to claim unfair dismissal from day one, abandoning a key Labour manifesto pledge after an intense backlash from employers and a parliamentary standoff in the House of Lords.

Instead, the qualifying period for unfair dismissal claims will be set at six months, following two days of negotiations between government ministers, trade unions and business groups. The compromise is designed to ensure the Employment Rights Bill can pass before April 2026, when Labour wants the new rights to come into force.

Lisa Nandy, the culture secretary, said the government had reached an “impasse” with the Lords, which refused to support day-one dismissal rights.

“Unfair dismissal was the sticking point,” she told Times Radio. “We brought together trade unions and business leaders and they’ve negotiated a compromise. These rights will now come into force in six months. Treating this as a zero-sum game is how we got into this in the first place.”

Nandy insisted the move would still deliver “a massive difference to people across the country”, though privately several union figures said they were “unhappy” and had not expected the U-turn. One minister described the decision as “total self-destruction”.

A Labour MP close to Angela Rayner, who previously led on Labour’s workers’ rights package before her resignation, warned the watering-down risked weakening protections for millions in insecure, low-paid jobs.

TUC general secretary Paul Nowak urged peers to pass the bill quickly, despite disappointment among unions.
“The Employment Rights Bill is essential to better-quality, more secure jobs,” he said. “The absolute priority now is to get these rights — like day-one sick pay — on the statute book by next April.”

Under the revised plans, workers will still receive day-one rights to sick pay and paternity leave, and a new Fair Work Agency will be launched in 2026 to enforce employment standards.

Peers had labelled day-one unfair dismissal rights the “most damaging” element of the bill for employers, warning it would undermine probation periods. They proposed a six-month threshold as a compromise, which the government has now accepted.

A government statement confirmed the shift was necessary to prevent the entire bill — including sick pay reform and paternity rights — from being delayed. It said businesses also need adequate time to prepare for “a series of significant changes”.

Andreas Adamides, CEO of Helm, said the original proposal had been one of the biggest concerns for scale-up founders.

“Day-one full rights was one of the biggest fears of our members, with many holding back hiring decisions,” he said. “It’s good to see the government showing some sense — but six months is still too soon. It creates an unnatural cliff-edge pressure on employers.”

Employment lawyer Jo Mackie, partner at Michelmores, said the outcome had been inevitable.

“This is no surprise. It was unwieldy and unworkable, and we predicted this would happen as soon as it was launched,” she said. “Probation periods are important for both employees and employers, and tribunals would have struggled with the surge of new claims.”

With the compromise now agreed, Labour hopes the revised Employment Rights Bill will receive Royal Assent in time to deliver the first phase of reforms next spring.

Read more:
Keir Starmer retreats on ‘day-one’ workers’ rights after business revolt

November 28, 2025
Budget ‘tone deaf’ and ‘a bit pathetic’, says AO World boss as Reeves refuses to rule out further tax rises
Business

Budget ‘tone deaf’ and ‘a bit pathetic’, says AO World boss as Reeves refuses to rule out further tax rises

by November 27, 2025

Rachel Reeves is facing fresh criticism from senior business leaders after John Roberts, chief executive of online electricals retailer AO World, described her Budget as “tone deaf” and “a bit pathetic”, accusing the Chancellor of lacking any real understanding of business or entrepreneurship.

Speaking to Times Radio, Roberts said he was left “pretty speechless” by Reeves’ comments about the importance of supporting entrepreneurs.

“She has absolutely no appreciation of business and doesn’t seem interested in finding any,” he said. “All the rhetoric that I hear is to demonise those that succeed. The wealth creators need to keep paying so she can fritter it away on welfare.”

Roberts added that the only meaningful reform he noticed was the decision to remove premium cars from the Motability scheme. “So for me, from a business perspective, it was tone deaf and a bit pathetic.”

His remarks reflect growing frustration among some business leaders who believe the Budget prioritised welfare expansion and tax rises over growth, investment and private-sector confidence.

Reeves refuses to rule out further tax rises next year

The Chancellor has also triggered fresh alarm among businesses after declining to rule out further major tax increases in 2026.

Asked on LBC whether she could reassure voters — as she did after the 2024 Autumn Budget — that no further large tax rises were planned, Reeves said: “No chancellor can predict the future or write next year’s budget. Chancellors, governments have to respond to events.”

Reeves said she had doubled her fiscal headroom to £22 billion, providing a buffer against future shocks, but warned: “I’m sure these will continue to come our way.”

The Chancellor repeated the same line on BBC Radio 4’s Today programme, indicating that the refusal was intentional. “I’m not going to write future budgets,” she said.

Her comments are likely to intensify concerns among entrepreneurs, investors and business owners — many of whom are already unsettled by £30 billion in new tax rises announced this week.

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Budget ‘tone deaf’ and ‘a bit pathetic’, says AO World boss as Reeves refuses to rule out further tax rises

November 27, 2025
Betting chief warns thousands of UK jobs at risk as online gaming tax doubles
Business

Betting chief warns thousands of UK jobs at risk as online gaming tax doubles

by November 27, 2025

The head of William Hill’s parent company has warned that thousands of UK jobs are now at risk, after the Chancellor announced a sharp rise in gambling taxes that will almost double the levy paid on online gaming.

Shares in Evoke, which owns William Hill, fell by up to 8% to a record low following Rachel Reeves’s decision to increase the online gaming duty from 21% to 40%, in one of the steepest tax hikes of the Budget. At the same time, the levy on online sports betting will rise from 15% to 25%, while the rate for betting shops remains unchanged at 15%.

Per Widerström, chief executive of Evoke, said the company would have no choice but to make deep cuts to investment and staffing in its UK operations, which include around 1,300 high-street betting shops.

“We will begin immediately on executing our mitigation plans, which involve a significant reduction in investment into the UK,” he said. “And, very regrettably, the likely need for thousands of jobs to be cut up and down the country.”

The warning reflects growing alarm across the gambling industry, where operators say the scale of the tax increase threatens profitability, investment and the viability of large segments of the market.

Evoke had already faced pressure from higher regulatory costs and reduced consumer spending, but the Chancellor’s move — designed to raise billions in additional revenue — has intensified concerns about job security across retail betting and online gaming divisions.

Analysts said other operators may now follow Evoke in slashing UK expenditure or shifting future investment overseas, particularly as the online gaming sector accounts for a large share of total industry tax receipts.

The Treasury has defended the tax rise as a move to ensure “fairer contribution” from digital betting platforms, but industry leaders argue the sudden jump risks accelerating shop closures and job losses across the UK’s high streets.

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Betting chief warns thousands of UK jobs at risk as online gaming tax doubles

November 27, 2025
A corruption tollgate for European companies: why the Ukrainian National Police has once again seized Fedoricsev’s assets
Business

A corruption tollgate for European companies: why the Ukrainian National Police has once again seized Fedoricsev’s assets

by November 26, 2025

The scandal around the Energoatom case and the “Mindich recordings” – named after Timur Mindich, a close associate of Volodymyr Zelensky and a central figure in a major corruption affair in Ukraine’s energy sector involving 100 million dollars in kickbacks – has shown how the Ukrainian authorities have turned access to public contracts into a mechanism of extortion: to take part in tenders, companies are expected to pay a 10–15% “entrance fee”.

In this context, the new offensive against businessman Fedoricsev in Ukraine looks less like a pursuit of justice than a continuation of the same logic: law-enforcement bodies are using a criminal case as a lever of pressure on private actors and as a convenient tool for polishing their public image.

What happened: the National Police steps in where the High Anti-Corruption Court had already ruled

On 21 October 2025, the Pechersk District Court in Kyiv, acting at the request of the Main Investigation Department of the National Police, ordered the seizure of Fedoricsev’s shares in several companies, including 100% of TIS-Zerno and TIS-Mineral Fertilisers, as well as stakes in the TIS group and its affiliated entities. The move was justified by reference to an old case concerning the alleged misappropriation of grain belonging to the State Food and Grain Corporation of Ukraine (SFGCU), followed by money laundering.

The key point is this: after ten years of investigation, the National Anti-Corruption Bureau of Ukraine (NABU) never managed to bring the case to a conclusion — no notice of suspicion was ever served on Fedoricsev, and not a single asset-freeze order against him was upheld by the courts despite some 60 attempts. The High Anti-Corruption Court (HACC) overturned his arrest in absentia and rejected the investigators’ harshest requests, while the courts in Monaco refused to be instrumentalised once they had established that the underlying dispute was commercial rather than criminal in nature.

According to legal observers, NABU had in effect “thrown in the towel”: the investigation deadlines were running out and the HACC refused to extend them. It was precisely at this point that the National Police entered the case — an institution traditionally far more permeable to political instructions in Ukraine.

Who is Fedoricsev really – and why Ukraine insists on calling him a “Russian oligarch”

For years, Ukrainian media have referred to Fedoricsev as a “Russian oligarch” or “Russian businessman”, particularly in connection with the SFGCU case and the TIS group.

Yet official documents tell a very different story: as early as 2017, NABU’s own files described him as “a Hungarian citizen residing in Monaco”. He has never held Russian citizenship and left the USSR for Europe before its collapse — in 1989.

From a legal standpoint, he is therefore not “a Russian national fleeing justice”, but a Hungarian investor who has lived in Monaco for many years and who owns key infrastructure in the Ukrainian port of Yuzhny via TIS — one of the largest private investment companies on Ukraine’s Black Sea coast and the country’s leading private stevedoring operator.

The businessman and his representatives confirm that he has never had a Russian passport and that the phrase “of Russian origin” is a political label — a convenient rhetorical tool in wartime to exert pressure, apply blackmail and single out entrepreneurs.

The “Mindich recordings” in the background: when the state turns into the extortionist

The Energoatom case and the “Mindich recordings” matter not in isolation but because they reveal how the state apparatus operates in its dealings with business.

NABU and the Specialised Anti-Corruption Prosecutor’s Office (SAPO) publicly described a “toll system”: to win a contract with Energoatom, suppliers allegedly had to pay a 10–15% commission via intermediaries linked to businessman Timur Mindich’s circle and to senior officials, including former energy minister and current justice minister Herman Halushchenko.

The recordings (“the Mindich tapes”) illustrate a basic principle: the state does not merely set the rules of the game — it puts up a tollgate and demands payment for the right to take part in tenders. Despite raids and public scandal, Energoatom’s leadership has faced no real consequences, and none of its key managers has been removed.

This is a crucial element in the Fedoricsev case: if the authorities behaved like extortionists in the energy sector, why should anyone believe that, in the port sector, they have suddenly become a model of fairness and due process?

Ten years of NABU investigations and a sharp rebuke from the High Anti-Corruption Court

The SFGCU–TIS case has become a kind of “never-ending series” for NABU: since 2017, the bureau has repeatedly placed Fedoricsev on its wanted list and obtained freezes on assets belonging to TIS-Zerno and TIS-Mineral Fertilisers; Monaco has rejected the Ukrainian requests on the grounds that the matter is a commercial dispute; the HACC at first cooperated and then annulled the arrest in absentia and struck down the toughest measures.

Ultimately, HACC judges found no legal basis for maintaining the asset seizures or for prolonging the investigation, thereby effectively acknowledging that the accusations against Fedoricsev lacked solid foundation. Yet suddenly the National Police stepped in, securing fresh seizure orders from the Pechersk District Court — a Kyiv court notorious for controversial rulings.

In reality, this amounts to an admission: in ten years, the specialist anti-corruption body has been unable to build a case that would stand up in a specialised court. Instead of closing the file or reclassifying it as a civil-commercial dispute, the system has invented a new level of pressure — via the National Police and the traditional “Pechersk justice”.

In other words, having lost in an independent court, law-enforcement bodies are trying to resolve the issue through a more compliant forum. For businesses, the message is clear: if an independent court does not endorse the investigators’ version of events, they will change the court, not the strategy.

New seizures as an instrument of blackmail

The recent decisions by the Pechersk District Court are not the beginning of an investigation but a new twist of the screw. Freezing equity rights in strategic assets that are crucial to Ukraine’s export logistics paralyses managerial decision-making; it raises political risk for any investor associated with TIS and the port of Yuzhny; and it turns the criminal case into a bargaining chip — “cede the asset or live under the constant threat of further seizures and a request for arrest”.

In principle, these decisions can be appealed. But in wartime conditions and with overloaded courts, such remedies often remain theoretical: by the time the appeals are heard, the asset is already blocked, transactions have collapsed, banks are nervous and the owner’s public reputation has been damaged long before any judgment on the merits. One of the Pechersk court’s rulings — ordering the detention of Fedoricsev and, extraordinarily, denying him the right to appeal — is unprecedented in European case law. It calls to mind Soviet-era judicial practice.

These parallels with pre-determined, Gulag-era justice become even starker when one notes that information announcing the imminent seizure was published several days before the court’s official decision.

A systemic problem: from Energoatom to TIS 

When all the elements are put together, the operating logic of Ukraine’s repressive machinery becomes clear:

            1.         In the energy sector, the “Mindich recordings” expose a scheme in which access to Energoatom tenders is monetised through kickbacks. Public managers act as monopoly extortionists.

            2.         In maritime logistics, NABU’s long-running investigation targeting the TIS investor collapses under scrutiny by the HACC and the Monaco courts — and instead of acknowledging mistakes and rebuilding the legal case, the authorities shift the matter to the National Police, which then secures asset freezes in the Pechersk District Court that had been refused by independent judicial bodies.

            3.         In other high-profile cases involving pressure on businesses, the same logic persists: law-enforcement agencies use criminal procedure as a tool of negotiation and control, rather than as a mechanism of impartial justice. Ukraine’s Prosecutor General has acknowledged that more than 20,000 criminal proceedings targeting businesses are currently open — three times more than previously reported — and that all of them need to be reviewed.

For companies, the conclusion is straightforward: in Ukraine, a criminal case has become part of the power infrastructure for targeting strategic assets, rather than the ultimate instrument for upholding the rule of law.

What this means for Ukraine and its investors

The Fedoricsev case is not about sympathy for a particular businessman, nor is it a mere contractual dispute over the SFGCU portfolio. It is a test of whether the Ukrainian state is capable of distinguishing between justice and economic predation dressed up as anti-corruption.

In such a configuration, the primary objective does not appear to be restoring justice, but rather exerting pressure and expropriating assets under the banners of “fighting corruption” and “tracing Russian influence” — even when the person concerned is a European citizen who has been investing in Ukrainian infrastructure for decades.

If Ukraine genuinely wishes to remain integrated into the global economy and not become a closed market reserved for insiders, an honest discussion of such cases — from the “Mindich recordings” to the TIS asset seizures — is essential. And the first step is clear: political leaders and law-enforcement agencies must not seek to replace the market, the courts and investors all at once, or to circumvent them in pursuit of private interests.

Read more:
A corruption tollgate for European companies: why the Ukrainian National Police has once again seized Fedoricsev’s assets

November 26, 2025
How Technology Is Transforming Finance
Business

How Technology Is Transforming Finance

by November 26, 2025

Technology has revolutionized plenty of industries, and finance is no exception. Digital transformation has changed how we manage money, invest, and handle financial transactions.

Today, financial services are faster, more accessible, and increasingly automated. From mobile banking to blockchain and AI-driven financial advice, technology has made it easier for individuals and businesses to manage and grow their finances. As financial technology continues to evolve, it is crucial to understand its impact on the industry and how it benefits both consumers and professionals.

The Rise of Digital Banking

Traditional banking has faced significant competition from digital banks, which offer many of the same services without the overhead costs of brick-and-mortar branches. Digital banks use technology to streamline processes, reduce operational costs, and enhance the customer experience. Online-only banks offer high-interest savings accounts, easy-to-use mobile apps, and no-fee services that attract a growing number of customers.

For example, mobile banking apps allow users to check balances, transfer funds, and pay bills at the touch of a button. These apps have replaced the need for physical bank visits, making banking more convenient. With the widespread use of smartphones, more people can access their finances anytime and anywhere. As a result, digital banking is expected to grow significantly in the coming years.

Understanding What Digital Currencies Represent

Digital currencies function through decentralized systems that use blockchain technology to record transactions. This structure increases transparency and reduces the need for intermediaries. Each asset serves a different purpose. Some focus on fast transactions, while others support complex applications or store value long-term.

Investors often begin with established digital assets because they offer longer histories and clearer development paths. Studying the utility behind a currency builds confidence. Currencies with strong use cases tend to show stability because demand grows as adoption increases.

Investors read market analyses to understand potential movement. Predictions by analysts vary widely, and each relies on different factors. That variety creates confusion for new investors. Learning how analysts form projections helps you avoid emotional reactions. People search for guidance and encounter discussions that include topics like XRP prediction in broader market reviews. These predictions play a limited role in decision-making, and strong research strengthens your position as an investor. Staying focused on long-term fundamentals supports smarter choices.

Blockchain and Cryptocurrency Are Disrupting Traditional Finance

One of the most revolutionary technologies in finance today is blockchain. Blockchain is a decentralized ledger system that records transactions across multiple computers in a way that prevents tampering or alteration. This technology underpins cryptocurrencies like Bitcoin and Ethereum, but its potential extends far beyond digital currencies.

Blockchain enables faster, cheaper, and more secure transactions. Unlike traditional bank transactions that can take days to process, blockchain transactions can be completed in minutes or even seconds. And, blockchain eliminates the need for intermediaries like banks, making cross-border transactions cheaper and more efficient.

Blockchain has also paved the way for decentralized finance (DeFi), a rapidly growing sector that offers traditional financial services like lending, borrowing, and trading through blockchain-based platforms. With DeFi, individuals can access financial services without relying on traditional banks, which opens up new opportunities for people in underbanked regions.

While cryptocurrencies and DeFi have received much attention, blockchain technology has the potential to transform other areas of finance, such as supply chain management, insurance, and real estate. As more businesses adopt blockchain, its impact on traditional financial systems will continue to grow.

AI and Machine Learning in Financial Decision-Making

Artificial intelligence (AI) and machine learning (ML) are increasingly being used in finance to enhance decision-making and improve risk management. AI algorithms analyze vast amounts of data to identify patterns and trends that human analysts may miss. These insights help financial institutions make better predictions and decisions.

In investment management, AI-powered tools are used to analyze market trends, identify investment opportunities, and optimize portfolios. Machine learning algorithms can process and analyze historical data to predict future market movements, helping investors make informed decisions. Robo-advisors, which use AI to provide automated investment advice, are becoming more popular, allowing individuals to access professional investment strategies at a lower cost.

In the lending industry, AI is used to assess creditworthiness and detect fraudulent activity. By analyzing a borrower’s financial history, spending habits, and other data points, AI can generate a more accurate risk profile than traditional credit scoring models. This helps lenders make better lending decisions and reduces the risk of default.

AI is also being used in customer service. Chatbots and virtual assistants are increasingly common in financial institutions, helping customers with everything from account inquiries to transaction processing. These AI-driven solutions improve efficiency and provide 24/7 support, enhancing the overall customer experience.

Technology is transforming the financial landscape in profound ways. From digital banking and blockchain to AI-powered investment tools and digital payments, technology is making financial services more accessible, efficient, and secure. As new trends and innovations continue to emerge, understanding their impact will help businesses and individuals make informed decisions and prepare for the future. The rise of digital currencies, such as XRP, is just one example of how technology is reshaping the financial world, offering new opportunities and challenges. As we continue to embrace these advancements, the future of finance looks promising and full of potential.

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How Technology Is Transforming Finance

November 26, 2025
Trusted Choices for Securing Family-Friendly World Cup Seats
Business

Trusted Choices for Securing Family-Friendly World Cup Seats

by November 26, 2025

Securing family-friendly World Cup tickets has become an increasingly demanding task as global demand accelerates and trusted platforms evolve their offerings.

As dedicated observers of the market, we understand how crucial it is for families to depend on transparent pricing, verified sellers, and seating options designed for a safe, comfortable stadium experience. Our objective is to provide an authoritative guide that helps readers navigate trustworthy ticket sources while ensuring that their journey to the tournament starts with clarity and confidence.

The Growing Need for Reliable World Cup Ticket Platforms

The unprecedented worldwide appeal of the tournament pushes legitimate sellers to uphold higher standards of reliability. Families travelling together require certainty not only about seating but also about entry conditions, delivery methods, and customer protection policies. When exploring the most dependable marketplaces, it becomes clear that professional platforms with robust verification systems provide a more secure buying environment and significantly reduce the risk of fraudulent listings or misleading offers.

Why Trusted Marketplaces Offer Greater Peace of Mind

Over the past years, reputable ticket platforms have adopted meticulous verification measures to safeguard buyers. These systems ensure that each listing originates from an authenticated seller, allowing families to avoid last-minute cancellations or unreliable transfers. Transparent seat-map integration, detailed match-day information, and comprehensive customer support departments enhance the experience further, reinforcing the feeling of safety that families seek when planning international sporting trips.

In this context, it becomes essential to evaluate platforms based on accuracy, accountability, and customer guarantees. The ability to resolve unexpected issues promptly often distinguishes trustworthy sellers from generic marketplaces. We consistently observe that established ticket providers adapt to the complexities of major tournaments, offering structured policies that reflect years of industry expertise.

Evaluating the Platforms That Prioritise Family-Oriented Experiences

Families require more than just a seat inside the stadium—they need visibility, comfort, and a seamless digital process that starts at the point of purchase. The best platforms understand this and design their systems to ensure that buyers receive precise seat information before completing an order. Such clarity reduces pre-match stress and facilitates planning around stadium logistics, accessibility points, and child-friendly areas.

When discussing dedicated ticket providers, it is beneficial to reference expert guides that help buyers navigate reputable sources. For instance, thorough analyses like the one found when users compare SeatPick, Hellotickets and other renowned tickets places to find reliable family-friendly World Cup tickets. offer an informed breakdown of dependable options and highlight the features families should prioritise when selecting their seats.

Understanding What Sets Reputable Sellers Apart

Long-standing platforms invest in technology that filters, tracks, and authenticates every ticket, thereby reducing uncertainty for families. Dynamic seat-selection tools, secure payment gateways, and real-time availability indicators play a major role in shaping a safe transaction. Moreover, the option to select multiple adjacent seats provides an advantage for families, ensuring everyone remains together throughout the match.

Another significant factor is the quality of customer care. Providers that maintain multilingual support teams, swift response times, and strong refund policies offer more predictable outcomes in case of scheduling changes or unforeseen disruptions. This level of service helps families stay informed from the initial purchase to the moment they enter the stadium.

Ensuring a Smooth Experience From Purchase to Match Day

A successful World Cup experience begins long before the whistle blows. Reliable platforms guide families through every stage, from reviewing seating categories to verifying e-ticket delivery windows. By choosing marketplaces with consistent performance records, travellers avoid unnecessary stress during airport transfers, hotel check-ins, and stadium entry protocols. Confidence at each step allows families to focus on what truly matters: sharing the excitement of the world’s most celebrated football event.

Final Reflection on Choosing Trusted Ticket Sources

For families investing in a once-in-a-lifetime tournament experience, the assurance of purchasing through reputable sellers is invaluable. By prioritising platforms that offer verified listings, transparent policies, and supportive customer service, families gain a dependable foundation for planning their trip. In a market filled with uncertainty, selecting established and trusted ticket providers ensures that their World Cup journey begins with confidence, clarity, and the promise of unforgettable memories.

Read more:
Trusted Choices for Securing Family-Friendly World Cup Seats

November 26, 2025
Budget’s new VAT relief set to boost business donations and cut landfill waste
Business

Budget’s new VAT relief set to boost business donations and cut landfill waste

by November 26, 2025

A major VAT reform unveiled in the Budget is expected to unlock millions of pounds’ worth of surplus goods for charity and significantly reduce the volume of usable products sent to landfill.

From 1 April 2026, businesses will be able to donate goods to registered charities without incurring a VAT charge, removing a long-criticised tax barrier that has deterred companies from giving away unsold, returned or surplus items.

Under current rules, gifting goods — even to a charity — can trigger VAT on a “deemed supply” basis, meaning many firms choose to destroy stock rather than shoulder a tax liability. The government says the new relief will eliminate that cost entirely for donations made to HMRC-registered charities.

The decision follows a comprehensive consultation that drew strong support from charities, retailers, manufacturers and waste-reduction bodies. The Treasury said respondents “universally” highlighted the existing VAT charge as a key factor behind unnecessary waste.

HMRC explored extending the relief to social enterprises and unregistered community groups, but ultimately restricted eligibility to registered charities because of their governance and reporting requirements, helping to minimise fraud risk. Importantly, the relief will be open to charities of all types, not just those involved in poverty alleviation.

The scheme will use a simple two-tier valuation system:
• A £100 per-item limit for most donated goods.
• A £200 per-item limit for essential items including white goods, furniture, computers, phones and tablets — targeting support for households experiencing digital or material poverty.

Goods subject to excise duty, such as alcohol and tobacco, are excluded.

The relief covers donations used directly in charitable activities — for example, hygiene products supplied to a shelter — as well as goods redistributed to individuals and families in need.

To keep administration light, valuation will default to cost price, with businesses allowed to apply a lower figure for older or depreciated stock. Documentation requirements are minimal: proof of delivery to a qualifying charity and a simple certification confirming charitable use. Charities will not be faced with new compliance burdens, as record-keeping responsibilities sit entirely with the donating business.

HMRC will publish full technical guidance ahead of the 2026 launch, but the Treasury believes the policy could release a significant volume of items that currently end up discarded, supporting the circular economy, easing pressure on landfill, and strengthening UK charities’ supply of essential goods.

Greg McNally, founding partner of VAT consultancy VITA, welcomed the change, calling it “a long-overdue correction to a flawed system” that will help businesses reduce waste while supporting grassroots organisations across the country.

Read more:
Budget’s new VAT relief set to boost business donations and cut landfill waste

November 26, 2025
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