Horizon Scanning

UK financial services and payments regulation has undergone profound shifts in the past five years — reshaping how firms operate, innovate, and serve customers. From the rollout of PSD2 and the evolution of Open Banking to the growing influence of the FCA’s Consumer Duty and the push toward ISO 20022, the regulatory focus has moved sharply toward transparency, accountability, and fair customer outcomes.

At the same time, the fight against financial crime has intensified, with enhanced AML rules, a sharper spotlight on digital fraud, and the Economic Crime Act setting a new bar for corporate responsibility. With regulation now touching every part of the customer and transaction journey, businesses must not just comply — they must transform.

At CBS, we scan the regulatory landscape, analyse what it means for the sectors we work in then help organisations navigate complex change, embed sustainable compliance, and turn regulation into a catalyst for strategic advantage.

Regulatory Initiatives Grid | FCA

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Why Choose Us?

Over 20 years we’ve successfully delivered regulatory change for a wide range of clients.

Often we’ve been asked to intervene when projects have been struggling to deliver to the required timescales.

We’ve drawn on our industry knowledge and strong change management disciplines to recover these situations, ensuring our clients have delivered a credible response to new regulation.

And with a strong team of industry practitioners we’re able to interpret regulations and design efficient solutions that work for clients, customers and regulators.

Sectors We Operate In.

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Banking

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Retail

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Payment & Financial Crime

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Asset Management

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Life & Pensions

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Public Sector

Discuss Your Regulatory Change With Us

At CBS Change Partners, we specialise in delivering exceptional services tailored to your specific project brief. We are eager to discuss the following with you:

Project Scope: Share objectives and requirements for a clear understanding.

Challenges & Opportunities: Address obstacles and explore potential benefits.

Desired Deliverables: Define project outcomes to align expertise and goals.

Timeline & Resources: Establish realistic schedule and allocate necessary resources.

Collaboration & Communication: Foster open dialogue for successful project delivery.

Budget Considerations: Work within financial framework for cost-effective solutions.

Our Clients

From Global Banks to Mutuals and Credit Unions.

Investment & Wealth Managers to Insurance providers.

Retailers, Fintechs and Public Sector.

For 20 years some of the UK's strongest brands have worked with CBS as their Trusted Change Partner. 

Case Studies