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FinTech Sweep & Rank (UK + US) 1. US replaces its 10% global tariff with permanent Section 301 duties of 10–12.5% on UK and EU goods What happened: The US Section 122 tariff (a temporary 10% flat rate, capped by statute at 150 days) expired at midnight ET on 23–24 July. The USTR immediately imposed replacement Section...
Buy now, pay later grows up. Its customers still need to. On Wednesday, buy now, pay later finally comes under regulation. I’ve argued for years that it should. And I’m still worried. Here’s why. The first time I watched a young woman split a £48 pair of trainers into four payments, she didn’t think she was borrowing....
The Asymmetric Prep Window: A 90-Day Operator Brief on UK Financial Regulation The second half of 2026 will not look like the first. Five UK commencements, one underlying thesis, and the narrow window in which pre-compliance is structurally cheaper than retrofit. Today the Bank of England’s Bank Rate sat at 3.75%, and that figure quietly locked in...
The terms on which a British SMB refinances in 2028 are being set today, not by the macroeconomic outlook but by signals the business sent three years ago. The same is true of its supplier pricing, its hiring channels and the access its operations team is granted to strategic conversations. Markets categorise businesses on the cheapest signal...
When people first hear “Vogue Boost,” many assume fashion. The name actually refers to what is in vogue — leading-edge — in financial technology, but that nuance rarely survives a cold introduction. The box has already been drawn. This is not a complaint; it is data. It tells us something the brand strategy has to absorb. And...
The moment of payment should be the cleanest part of commerce. A service has been delivered, a product has been sold, value has changed hands, and money should follow. Yet for too many small businesses, freelancers and workers, getting paid is not a moment at all. It is a process: chasing, waiting, reconciling, borrowing, apologising to one’s...
Cash flow timing is the strategy too many businesses are taught too late By Yanka Golemin The first cash flow lesson many founders learn is not about profit. It is about waiting. Waiting for an invoice to clear. Waiting for a customer payment that was promised last Friday. Waiting for funds to settle while payroll, rent,...
The quiet power shift in finance is already under way. A customer in Manchester reviews her spending not through a static bank app, but via an AI assistant that draws real-time data from multiple accounts, flags anomalies with precision a human analyst would envy, and suggests adjustments tailored to her cash flow and goals. This is no...
The Public Mandate Is Ahead of Government
The Cost of Momentum: Why Rapid Growth Pulls the Cash From Your Bank The invisible mechanics of scaling, and the structural trap that turns winning new clients into a liquidity crisis. The Friday Afternoon Email The dashboard on your monitor shows a streak of green. You just closed the largest contract in your company’s history, a multi-year...
Financially Wired: The SMB Owner's Guide to the FinTech Era by Yanka Golemin
Private counsel for SMB founders, finance leads, and operations leaders.
© 2026 Yanka Golemin
