Banking will never be the same.
For over a decade, the industry has seen a wave of cheap lending and savings apathy, founded on a base rate which refuses to rise above one percent.
Challenger and Islamic banks, as well as non-bank lenders, perceiving a gap in customer experience, have brought disruption to the banking landscape.
In that time, sustainability has moved from niche interest to mainstream demand among an environmentally conscious generation, with policy and activism fuelling this new challenge for lenders.
This is the face of the modern lending industry. But, as experts in finance law, we also know that beneath that exterior the reality is far more complex.