An umbrella when the sun shines

“They give you an umbrella when the sun shines and take it away when it starts to rain.” This was what one woman in Wales said on banks and financial service companies in consumer research I was involved in a few years ago.

So after the storm, it is not surprising that the debate on the fundamentals of banking is in earnest. I particularly recommend the manifesto by the Financial Inclusion Centre, new out.

I have been talking this evening at the David Hume Institute in Edinburgh on the credit crunch and the role of financial co-operatives and mutuals.

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