If you are visually impaired or blind, you can visit the PDF version by Pressing CONTROL + ALT + 4
<br /> FINANCIAL ICAEW.COM/FSF ISSUE 128<br /> SERVICES JULY/AUGUST 2018<br /> FACULTY<br /> FSFocus<br /> HITTING TARGETS TECH SAVVY NUMBERS GAME<br /> TACKLING THE ROOT MICROSOFT'S RICHARD NICK MARTINDALE<br /> CAUSE OF THE GENDER PEERS DISCUSSES THE OFFERS TIPS ON<br /> PAY GAP ISSUE IMPACT OF FINTECH REDUCING STAFF<br /> TIME<br /> F O R Climate change is a hot topic, but what<br /> should financial service firms be doing?<br /> CHANGE<br /> <br /> July/August 2018 Issue 128<br /> 10<br /> COVER STORY<br /> A NEW CLIMATE<br /> With climate change<br /> hitting the mainstream,<br /> Mike Scott looks at its<br /> impact on the financial<br /> services sector<b<a title="FS Focus July August 2018 page 1" href="https://secure.viewer.zmags.com/publication/a902c03c?page=1"> FINANCIAL ICAEW.COM/FS</a> <a title="FS Focus July August 2018 page 2" href="https://secure.viewer.zmags.com/publication/a902c03c?page=2"> </a> <a title="FS Focus July August 2018 page 3" href="https://secure.viewer.zmags.com/publication/a902c03c?page=3"> July/August 2018 Issue 128 10 COVER STORY A NEW </a> <a title="FS Focus July August 2018 page 4" href="https://secure.viewer.zmags.com/publication/a902c03c?page=4"> WELCOME It's different We hear a lot about</a> <a title="FS Focus July August 2018 page 5" href="https://secure.viewer.zmags.com/publication/a902c03c?page=5"> N E EWS & VENTS CHAIR'S REPORT: FINANCIAL SERVI</a> <a title="FS Focus July August 2018 page 6" href="https://secure.viewer.zmags.com/publication/a902c03c?page=6"> NEW ANA NICK DIGGORY/IKON S LYSIS TOUGHEN UP </a> <a title="FS Focus July August 2018 page 7" href="https://secure.viewer.zmags.com/publication/a902c03c?page=7"> undertook of incident management in the financial</a> <a title="FS Focus July August 2018 page 8" href="https://secure.viewer.zmags.com/publication/a902c03c?page=8"> SMITH UPFRONT Mark Carne</a> <a title="FS Focus July August 2018 page 9" href="https://secure.viewer.zmags.com/publication/a902c03c?page=9"> AV </a> <a title="FS Focus July August 2018 page 10" href="https://secure.viewer.zmags.com/publication/a902c03c?page=10"> Climate change is a major government and media ta</a> <a title="FS Focus July August 2018 page 11" href="https://secure.viewer.zmags.com/publication/a902c03c?page=11"> economy. Changes in policy, technology and physic</a> <a title="FS Focus July August 2018 page 12" href="https://secure.viewer.zmags.com/publication/a902c03c?page=12"> The TCFD recommendations attempt to move bey</a> <a title="FS Focus July August 2018 page 13" href="https://secure.viewer.zmags.com/publication/a902c03c?page=13"> GETTY what they need on disclosure.” There </a> <a title="FS Focus July August 2018 page 14" href="https://secure.viewer.zmags.com/publication/a902c03c?page=14"> OUTWARDLY MOBILE Cu</a> <a title="FS Focus July August 2018 page 15" href="https://secure.viewer.zmags.com/publication/a902c03c?page=15"> Kirsten Cluer, HR consultant and owner of Cluer H</a> <a title="FS Focus July August 2018 page 16" href="https://secure.viewer.zmags.com/publication/a902c03c?page=16"> The gender pay gap is not really about a woman be</a> <a title="FS Focus July August 2018 page 17" href="https://secure.viewer.zmags.com/publication/a902c03c?page=17"> KEY TOPIC: GENDER PAY GAP </a> <a title="FS Focus July August 2018 page 18" href="https://secure.viewer.zmags.com/publication/a902c03c?page=18"> THE BIG PROFILE BANKING BUT NOT AS WE KNOW IT </a> <a title="FS Focus July August 2018 page 19" href="https://secure.viewer.zmags.com/publication/a902c03c?page=19"> They've got a low return on equity, big cost base</a> <a title="FS Focus July August 2018 page 20" href="https://secure.viewer.zmags.com/publication/a902c03c?page=20"> THE MITSUBISHI L200 SERIES 5 THE BEST PICK-UP TO </a> <a title="FS Focus July August 2018 page 21" href="https://secure.viewer.zmags.com/publication/a902c03c?page=21"> TECHNICAL: COMPETITION LAW PATRICK GEORGE/IKON </a> <a title="FS Focus July August 2018 page 22" href="https://secure.viewer.zmags.com/publication/a902c03c?page=22"> THE CREDIT CRUNCH The </a> <a title="FS Focus July August 2018 page 23" href="https://secure.viewer.zmags.com/publication/a902c03c?page=23"> credit market looks like, particularly with risk </a> <a title="FS Focus July August 2018 page 24" href="https://secure.viewer.zmags.com/publication/a902c03c?page=24"> MITCH BLUNT/IKON One of the questions that I am </a> <a title="FS Focus July August 2018 page 25" href="https://secure.viewer.zmags.com/publication/a902c03c?page=25"> TECHNICAL: CONTACTLESS PAYMENTS payments. At </a> <a title="FS Focus July August 2018 page 26" href="https://secure.viewer.zmags.com/publication/a902c03c?page=26"> IFRS 17 implementation is due in January 2021, an</a> <a title="FS Focus July August 2018 page 27" href="https://secure.viewer.zmags.com/publication/a902c03c?page=27"> NEIL WEBB/IKON parts of the process can and shou</a> <a title="FS Focus July August 2018 page 28" href="https://secure.viewer.zmags.com/publication/a902c03c?page=28"> TECHNICAL: REFERENCE TECHNICAL: REFERENCE TECHNIC</a> <a title="FS Focus July August 2018 page 29" href="https://secure.viewer.zmags.com/publication/a902c03c?page=29"> MOVING YOUR FLEET FORWARD WITH THE UK'S MOST TEC</a> <a title="FS Focus July August 2018 page 30" href="https://secure.viewer.zmags.com/publication/a902c03c?page=30"> PEOPLE IN FOCUS BMO BOLSTERS UK INSTITUTIONAL</a> <a title="FS Focus July August 2018 page 31" href="https://secure.viewer.zmags.com/publication/a902c03c?page=31"> PEOPLE need for the rights of delegation to b</a> <a title="FS Focus July August 2018 page 32" href="https://secure.viewer.zmags.com/publication/a902c03c?page=32"> T B ID CPD SOFTLY, SOFTLY Financial servi</a> <a title="FS Focus July August 2018 page 33" href="https://secure.viewer.zmags.com/publication/a902c03c?page=33"> PEOPLE And the remainder? Eight of the </a> <a title="FS Focus July August 2018 page 34" href="https://secure.viewer.zmags.com/publication/a902c03c?page=34"> UNFOCUSED THEY SAID IT... BANKING: A CUL</a> <a title="FS Focus July August 2018 page 35" href="https://secure.viewer.zmags.com/publication/a902c03c?page=35"> News Analysis Insight Get all the biggest news</a> <a title="FS Focus July August 2018 page 36" href="https://secure.viewer.zmags.com/publication/a902c03c?page=36"> With Hiscox Home Insurance there is no need to ac</a>