We are all familiar with the 80/20 rule – where 80% of your business is more than likely generated from 20% of your customer base, but what about the 80% of customer left behind?

At Rivers we are a small team, but we work together to produce results which are bigger than the constituent parts, and we enjoy doing so.

FinTech, ‘robo advisors’ and a general leaning towards financial technologies and digitisation are natural progressions in a world where even contraception can now officially be done digitally, but, when it comes to finances at least, who does it all benefit? ‘It’s not just about digitising money, it’s about monetising data,’ come the cries of the converted, and of course, there is a definite place for automated processes; they’re more cost effective and in terms of managing vast swathes of clientele and their information, it’s more efficient as well. In fact, with huge customer bases, automation has to be used to make the economics work. But with the greatest will in the world, it’s not very personal and it doesn’t allow for much individuality. If you don’t fit into a tick box, what does digitisation do for you?