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<br /> FINANCIAL<br /> SERVICES<br /> FACULTY<br /> ICAEW.COM/FSFISSUE 119<br /> OCTOBER 2017<br /> FSFocus<br /> ONLY WAY IS ETHICS<br /> HOW CONSUMERS ARE<br /> LEADING THE ETHICAL<br /> INVESTMENTS SURGE<br /> RAISING STANDARDS<br /> DELOITTE'S MARK RHYS<br /> ON THE CHALLENGE<br /> OF IFRS 9 FOR BANKS<br /> DON'T LOSE INTEREST<br /> WHAT INSURERS CAN<br /> EXPECT FROM RISING<br /> INTEREST RATES<br /> TECH<br /> How AI mach ne<br /> earn ng and b g data<br /> are he p ng transform<br /> financ a serv ces<br /> i<br /> ,<br /> i<br /> li<br /> li i<br /> il<br /> SUPPORT<br /> The Future Of Audit<br /> How technology and<br /> regulation are reshaping<br /> the world of audit<br /> $W&RQȴUPDWLRQFRPLWȇVQRVHFUHWWKDWZHWKLQNFKDQJHDQG<br /> GLVUXSWLRQFDQEHIRUWKHEHWWHU5LJKWQRZDXGLWLVDWDFURVVURDGV<br /> DQGWKHIXWXUHLVPRUHXQFHUWDLQȂDQGH[FLWLQJȂWKDQLWKDVEHHQIRUD<br /> ORQJWLPH7HFKQRORJ\ZLOOSOD\LWVS<a title="FS Focus OCTOBER 17 page 1" href="http://viewer.zmags.com/publication/0b59a3ad?page=1"> FINANCIAL SERVICES FACULTY ICAEW.COM/FSFISSUE 11</a> <a title="FS Focus OCTOBER 17 page 2" href="http://viewer.zmags.com/publication/0b59a3ad?page=2"> The Future Of Audit How technology </a> <a title="FS Focus OCTOBER 17 page 3" href="http://viewer.zmags.com/publication/0b59a3ad?page=3"> October 2017 Issue 119 COVER PHOTOGRAPHY: GETTY </a> <a title="FS Focus OCTOBER 17 page 4" href="http://viewer.zmags.com/publication/0b59a3ad?page=4"> WELCOME The unsung standard It's rare that</a> <a title="FS Focus OCTOBER 17 page 5" href="http://viewer.zmags.com/publication/0b59a3ad?page=5"> N E EWS & VENTS INSURANCE NETWORK LETTER: NEW O</a> <a title="FS Focus OCTOBER 17 page 6" href="http://viewer.zmags.com/publication/0b59a3ad?page=6"> NE AN GETTY WS ALYSIS Theresa May threatened </a> <a title="FS Focus OCTOBER 17 page 7" href="http://viewer.zmags.com/publication/0b59a3ad?page=7"> Measures such as these are steps that need to be </a> <a title="FS Focus OCTOBER 17 page 8" href="http://viewer.zmags.com/publication/0b59a3ad?page=8"> SMITH UPFRONT Financial </a> <a title="FS Focus OCTOBER 17 page 9" href="http://viewer.zmags.com/publication/0b59a3ad?page=9"> AV </a> <a title="FS Focus OCTOBER 17 page 10" href="http://viewer.zmags.com/publication/0b59a3ad?page=10"> STAYING OUT OF TROUBLE The new financial crime</a> <a title="FS Focus OCTOBER 17 page 11" href="http://viewer.zmags.com/publication/0b59a3ad?page=11"> A recent survey by global accountancy firm Moore </a> <a title="FS Focus OCTOBER 17 page 12" href="http://viewer.zmags.com/publication/0b59a3ad?page=12"> The traditional investment industry, and the serv</a> <a title="FS Focus OCTOBER 17 page 13" href="http://viewer.zmags.com/publication/0b59a3ad?page=13"> investing ethically. This shows the remit of ethi</a> <a title="FS Focus OCTOBER 17 page 14" href="http://viewer.zmags.com/publication/0b59a3ad?page=14"> THE BIG PROFILE </a> <a title="FS Focus OCTOBER 17 page 15" href="http://viewer.zmags.com/publication/0b59a3ad?page=15"> BENJAMIN HARTE/IKON and practices hold strong an</a> <a title="FS Focus OCTOBER 17 page 16" href="http://viewer.zmags.com/publication/0b59a3ad?page=16"> A fter decades of relative inertia </a> <a title="FS Focus OCTOBER 17 page 17" href="http://viewer.zmags.com/publication/0b59a3ad?page=17"> 15 days down to three days – this is h</a> <a title="FS Focus OCTOBER 17 page 18" href="http://viewer.zmags.com/publication/0b59a3ad?page=18"> “TELEMATICS AND THE DATA THAT IT PROVIDES CAN HEL</a> <a title="FS Focus OCTOBER 17 page 19" href="http://viewer.zmags.com/publication/0b59a3ad?page=19"> being used to fight fraudulent insurance claims, </a> <a title="FS Focus OCTOBER 17 page 20" href="http://viewer.zmags.com/publication/0b59a3ad?page=20"> COVER STORY ETHICAL DILEMMAS The use of big</a> <a title="FS Focus OCTOBER 17 page 21" href="http://viewer.zmags.com/publication/0b59a3ad?page=21"> MOVING YOUR FLEET FORWARD WITH THE UK'S MOST TEC</a> <a title="FS Focus OCTOBER 17 page 22" href="http://viewer.zmags.com/publication/0b59a3ad?page=22"> WHICH WAY TO TURN? With IFRS 9 almost upon us, Al</a> <a title="FS Focus OCTOBER 17 page 23" href="http://viewer.zmags.com/publication/0b59a3ad?page=23"> 01 PORTFOLIO STRATEGY IFRS 9 will make some produ</a> <a title="FS Focus OCTOBER 17 page 24" href="http://viewer.zmags.com/publication/0b59a3ad?page=24"> THE RISE OF ETFs Lynn Strongin Dodds assesses the</a> <a title="FS Focus OCTOBER 17 page 25" href="http://viewer.zmags.com/publication/0b59a3ad?page=25"> TECHNICAL: EXCHANGE-TRADED FUNDS $4,000,000,000,0</a> <a title="FS Focus OCTOBER 17 page 26" href="http://viewer.zmags.com/publication/0b59a3ad?page=26"> The impact of interest rates is unavoidable for f</a> <a title="FS Focus OCTOBER 17 page 27" href="http://viewer.zmags.com/publication/0b59a3ad?page=27"> financial analyst at Old Mutual Global Investors,</a> <a title="FS Focus OCTOBER 17 page 28" href="http://viewer.zmags.com/publication/0b59a3ad?page=28"> TECHNICAL: REFERENCE TECHNICAL DIRECTORY A roundu</a> <a title="FS Focus OCTOBER 17 page 29" href="http://viewer.zmags.com/publication/0b59a3ad?page=29"> A WELL-DESERVED OPPORTUNITY You worked har</a> <a title="FS Focus OCTOBER 17 page 30" href="http://viewer.zmags.com/publication/0b59a3ad?page=30"> PEOPLE IN FOCUS UK FINANCE EYES EX-TREASURY</a> <a title="FS Focus OCTOBER 17 page 31" href="http://viewer.zmags.com/publication/0b59a3ad?page=31"> PEOPLE They have been able to build adaptable</a> <a title="FS Focus OCTOBER 17 page 32" href="http://viewer.zmags.com/publication/0b59a3ad?page=32"> T B ID CPD POACHING PRACTICES With Barclays</a> <a title="FS Focus OCTOBER 17 page 33" href="http://viewer.zmags.com/publication/0b59a3ad?page=33"> PEOPLE firms and clients to learn from gener</a> <a title="FS Focus OCTOBER 17 page 34" href="http://viewer.zmags.com/publication/0b59a3ad?page=34"> UNFOCUSED THEY SAID IT... £10 NOTE MANIA F</a> <a title="FS Focus OCTOBER 17 page 35" href="http://viewer.zmags.com/publication/0b59a3ad?page=35"> Wealth management. Some say it's all ab</a> <a title="FS Focus OCTOBER 17 page 36" href="http://viewer.zmags.com/publication/0b59a3ad?page=36"> £1,750 + £500 DEPOSIT CONTRIBUTION1 EX</a>