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Category: Credit Unions

Subscription Spending, Household Budgets and Consumer Behaviour

Posted on 06/04/202606/04/2026 by Malcolm

Recurring digital payments have quietly become a fixed feature of household finances across the UK, Europe and the United States. For revenues and benefits services, understanding their scale, their cross-national consistency — and their ambiguous status as essential or discretionary spending — is becoming increasingly relevant. Revenues & Benefits Intelligence  ·  Briefing Note The Scale…

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Independent R&B Discussion Group: Benefits, Work and the Future Workforce

Posted on 17/09/2025 by Malcolm

At the latest Independent R&B Monday Discussion Group, chaired by Malcolm Gardner, members took a deep dive into the stubborn issue of unclaimed benefits, the challenges of Universal Credit, and the shifting dynamics of the local government workforce. Billions Unclaimed Malcolm opened with the headline finding from Policy in Practice: £24 billion in benefits goes…

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Monday 23/10/23 Credit Unions

Posted on 25/10/2023 by Malcolm

This week, our Monday Revenues and Benefits Discussion Group had a great conversation about the fantastic work being done by the Bradford District Credit Union and its partners, including the Revenues and Benefits team at Bradford Council. Ian Brewer from BDCU led the discussion, and it covered a wide range of topics. One key point…

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