Outlandish Predictions for 2026

Having made it through the new year celebrations it is now time to take stock and turn out focus on just what will happen this year.

There is of course no shortage of punditry and armchair opinion online, however here are some links to some of the more reputable, better ones, and a couple that are not.

  • Goldman Sachs – Overall there is Global Growth
  • KPMG  – The UK economy however is expected to cool
  • McKinsey – AI remaining a top priority for many firms
  • Gartner – and AI continues to develop and evolve. AI Supercomputing and AI Native!? (via Forbes)
  • Saxo Bank – Quantum Computing, could it happen quicker than expected… (Outrageous predictions are a personal favourite)
  • Ipsos – 71% of the public think 2026 will be better than 2025 (58% in UK)

… and there are some interesting tech predictions too (Technology magazine)

Of course we should not forget the prediction markets and futurist firms too

  • Quantumrun – an interesting list here – take your pick – I liked “90% of online content will be artificial intelligence (AI)-generated. Likelihood: 60 percent”
  • Polymarket – waiting to head into the year

And then of course there is Nostrodamas and Baba Vanga who are always there to cheer us up.

From RO-AR.com, here are some trends to watch

  1. Arrears levels – economic structural issues are likely to continue to impact arrears, making existing arrears sticky and solutions harder to find.  Expect focus on manner of communication and customer contact
  2. Regulatory Data – Data will become even more important with ever increasing transparency. Consumer duty is increasingly shifting to evidence and outcomes
  3. BNPL collections – with BNPL falling into the FCA remit, expect an increase in scrutiny and complaint levels
  4. Energy debt relief – With focus from the regulator on debt relief schemes and high levels of arrears the utilities sector will accelerate their continued modernisation of collections journeys
  5. AI gets practical – A movement of AI pilots increasingly into production.  Greater emphasis on governance and control.
  6. Digital and Assisted humans – Self-Serve and Omnichannel is already here, but will be increasingly supplemented with AI tools, including AI Voice.
  7. Quantum Computing – We need to watch quantum computing, this could be an earthquake for many of our exiting digital processes

Of course, some or indeed none of these may come to pass… and something we will need to monitor throughout the year.

Best wishes for 2026 everyone.

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Is anyone else getting Christmas jet lag?

It is a strange time of year. The build-up and excitement of Christmas is over, and we are stuck waiting for New Year’s Eve and the start of 2026.

For many of us it is a busy time, visiting friends, family and relatives. For others it can be a lull, a change of pace from the frenetic run-up in December.

For me, this year, it is undoubtedly the latter.

For some reason December seemed particularly busy this year, so much so it felt like a giant inbox exercise having to prioritise to get everything in. Which by default meant some things did just not get done in time.

  • Sending cards on Christmas Eve – check
  • Use festive greetings in emails – rather than action-orientated “Many thanks” – 23 Dec (sorry about this one!)
  • Watching a Christmas movies – not even started!

The only thing that I did seem to be successful at was munching through a significant number of boxes of mince pies. A strategy which in hindsight was not a wise move either for my waistline or blood sugar level!

But with all this activity, the post-Christmas doldrums have now arrived.

Now, I have not been anywhere and some days not even ventured out, but I seem to have gradually evolved to a very strange sleeping pattern.

Awake at 5am, and then by the end of the day, so tired, so off to bed at 9. It is as if I have moved to the Middle East or somewhere, but without the sunny weather, warmth and food. It is a very strange effect – Christmas Jet Lag.

I mean, it has been useful: setting 2026 goals, reviewing 2025, writing blogs and of course answering that RFP that always comes out just before the break!

But this is not what the holidays are for. They are for resting, relaxing and most importantly, sleeping in a bit.

Of course, these doldrums are not new, and have been seen as a good time for that more relaxed engagement that can be fun too. Think of all the year end reviews and roundups that frequent at this time… my favourite being Saxo banks outrageous predictions… (RO-AR’s version to follow 🙂 ).

This year with with AI, they seem to be getting even more personalised and sophisticated too. It seems I have…

  • Had a reflective year (ChatGPT)
  • Have had an affinity with rollercoaster videos (YouTube)
  • Demystifyed regulation and tech (LinkedIn) (secretly pleased with this one – lol)
  • All whilst listening to alternative rock (apparently – Spotify)…
  • …. and spending disturbing amounts at my local Pret and Starbucks (Bank) (not quite so happy with this !)

Interesting yes… disturbingly accurate… most likely… reflection for change in some areas.. definitely!

So with a few days left before we all return to the office, a focus on trying to relax, reset the bodyclock to holiday time… and get in the zone for 2026

Now I just need to mow the lawn and put away the garden furniture first!

Have a good year end everyone!

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Round and Round

Some advice… don’t watch ‘Race Across the World’ and then go for a pint down the pub with a friend. It can result in many laughs, a challenge and was precisely the reason I spent last weekend on a bus in the middle of the night, rolling across Europe.

Honestly, the last time I did it, I was 20. You know the younger, more adventurous and definitely slimmer version of myself. But, if they can get halfway across Europe for less than the price of an airfare on TV, what could possibly go wrong in real life?

So rucksack in hand, on a normal Thursday, it was time to head down to London to catch the bus to make the 3 am ferry… to France!

Travelling is not always easy; sometimes it is hard… and those 3 am crossings are never the easiest… but what these trips are is refreshing, and travelling by land even more so.

Now, as many will know, I am no stranger to the airport, but despite my fondness for airline pretzels and a glass of (so fizzy it goes up your nose) cola, the aeroplane does always feel a bit like the magic tube.

I mean, we all sit cramped for a couple of hours, relieved at having fended off temptation to buy yet more sweets at the airport, only to arrive blinking in a different country where suddenly everything feels different.

It is, it seems, the closest thing we have to teleportation.

But, travelling by land, sea and by bus is different.

You get on at your local stop, having bought snacks (but importantly not egg sandwiches) from the Sainsbury’s Express and then slowly (very slowly) trundle to Dover, before travelling through France, Belgium, the Netherlands and on to your final destination.

Things change, but things change gradually. The countryside, the language, the food, you can see it all morph, how we are all connected and in many ways not far away from each other.

Of course, it is not all plain sailing. After about 6 hours, your bum has become numb and the seat has become strangely very uncomfortable… but this point is never the main concern.

Despite a strategy of desiccation, my biggest fear is the phrase… “the bus toilet is now full”. Seriously, what was everyone drinking before they got on the bus.

So sitting there, prune like, uncomfortable, in the dark, in a bus, there was the darkest hour… clearly requiring Jedi-like levels of mind control to not be the grumpy old man in seat 12a. (I failed)

However, buses also, it seems, thrive on organised chaos. This chaos is in a manner you just don’t get on the plane or the train. Delays, short connections, long connections, and only finding your bus by deciphering scribbled notes taped to a wall are all part of the adventure… and it does seem to work… plus every so often this results in a gem.

On one bus leg, a group, who did politely ask first, burst into song, and were surprisingly good. Where did that come from! It seems some people can turn their hand to having fun anywhere and was the lesson the man in 12a needed.

And I suppose that was the take away on returning to the office (albeit a bit broken from the 20 hour trip home!).

It is that we are all connected, more closely than we think, and every so often, we probably all need to have a little discomfort in our lives to find new gems and adventure.

It is, after all, sometimes the journey, not the destination, that is important.

Have a good week everyone.

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