About the Transparency Times

The Transparency Times is our free monthly online magazine, produced in-house.


It contains a wide range of subjects from a broad range of authors but the overall message is how the power of transparency can be a force for good in getting the Financial Services Sector to provide the best possible outcomes to those it serves. 


The Transparency Times helps us to promote our vision; which is that we should all work together to drive positive progressive and purposeful finance reform, for the benefit of all, by harnessing the transformational power of transparency. 

Our circulation

Largely through 'word of mouth,' circulation of the Transparency Times has been steadily increasing since our first issue, published in May 2016.


It now goes to many thousands of people around the world. 


Here's a list of the main countries in which we have readers:


  • Australia
  • Belgium
  • Burma
  • Brazil
  • Canada
  • Chile
  • Denmark
  • Dubai
  • France
  • Germany
  • Holland
  • Hong Kong
  • Italy
  • Ireland
  • New Zealand
  • Singapore
  • Spain
  • Sweden
  • United Kingdom
  • USA


There is great variety in the type of people that receive the Transparency Times, including:


  • Academics
  • Researchers
  • Politicians
  • Civil Servants
  • Civil Society Leaders
  • All types of Market Participants
  • Leaders of Trade Bodies
  • All types of Consultants
  • Leaders of Professional Associations
  • Financial Services sector Observers & Commentators
  • Media Professionals - Journalists & Editors
  • Regulators
  • Consultants
  • Campaigners
  • Leaders of Not-for Profits
  • Trustees
  • Students
  • Pension Managers
  • Institutional Investors
  • Retail Investors
  • Indepndent Financial Advisers
  • Pension and Investment Lawyers
  • Trades Unionists
  • ...and many, many more


If you aren't yet on our circulation list, register to receive the Transparency Times plus our special updates and invitations to meetings and events through this link:




How to submit an article

We welcome any article on any relevant topic, by any author, from any part of the world. 


If you want to submit an article, this is what you need to do:

  • Provide your text:
    • Maximum 1,500 words
    • Only in Word
    • Without any formatting
    • In the same Word document please provide your bio, maximum 100 words (in addition to the 1,500 for the article itself) so readers know about you and your organisation
  • It is fine to re-purpose material that has been used elsewhere, but let us know the place and date previously published so this can be noted in the article. It's also fine to promote any product, service or offering that is aligned with the idea of high levels of transparency and achieving better outcomes for consumers.​​​​


  • Provide at least one high-resolution headshot image of the author


  • Provide any charts, diagrams or graphics you want to incorporate into the article in original editable format and ideally in Excel but if that's not possible a Vector file will normally be OK


  • Provide any links you may want to be incorporated into the article only if you have tested they work; please highlight the wording to ensure it is clear that it is a link


  • Provide your and/or your organisation's Twitter Handle


  • Provide a high resolution image of your company logo


All of the above to be sent to me using the Email address below, and we'll publish in the next available edition for you:




Once the article has been published please do all you can to raise awareness of it through your Social Media channels; we'll do the same.

Accessing previous editions

You can click on the links below to get to the edition of your choice.


Note, once you have got to the magazine you can click through the pages and read it online or if you prefer you can download it as a PDF, and you can even print that off if you wish!

The Great Divide

You can read the speech by  Andrew G. Haldane, FAcSS (the Bank of England's Chief Economist and Executive Director of Monetary Analysis and Statistics) that he gave on 18th May 2016 at the New City Agenda Annual dinner.


The speech is entitled The Great Divide and it is a first class explanation of why the trust deficit really matters and why it makes sense to try to do something about it.


Please click on the green button to access it; if you're not convinced of its relevance to our initiative, here's part of it:


..."The most important and compelling message the Bank received at the Open Forum came in the first session. The Bank had conducted some polling of perceptions of the financial sector – for example, by asking people what one word best described the future of financial markets. Among the Bank’s usual contacts, including those in the financial sector, the most used word was “regulated”. Many of us will have heard that message from financial insiders concerned about the perils of over-zealous regulators.


For me, the more revealing responses came from the general public, from the customers, rather than the producers, of financial services. The word most used by them when describing financial markets was a rather different one: it was “corrupt”. Not far behind were words like “manipulated”, “self-serving”, “destructive” and “greedy”. I am sure many of you have heard those messages too. They are certainly ones I have encountered frequently on my visits around the country."...


Please click the green button  below to access the full speech. If you need to read another piece first, here it is:


..."At least until recently many economists like me, when faced with this evidence, might have shrugged our shoulders. Social capital had no real role in our models of economic growth, unlike physical capital and human capital. Trust did not butter our parsnips and nor did it enter our production functions.


Recently, however, that orthodoxy has changed and the importance of trust has become clearer.


Evidence has emerged, both micro and macro, to suggest trust may play a crucial role in value creation. At the micro level, there is now ample evidence the degree of trust or social capital within a company contributes positively to its value creation capacity. 


At the macro level, there is now a strong body of evidence, looking across a large range of countries and over long periods of time, that high levels of trust and co-operation are associated with higher economic growth.


Put differently, a lack of trust jeopardises one of finance’s key societal functions – higher growth.


Those social capital effects appear to be particularly potent when it comes to financial decisions. Evidence suggests that a lack of trust leads people to retreat from the stock market and banks and to move towards cash holdings and informal sources of credit, such as payday lenders and loan sharks. That jeopardises the second key benefit of finance to society – improved risk-sharing by households and companies.


So a lack of trust in finance potentially hobbles both economic growth and financial stability.


That lack of trust is the mirror-image of the perception gap between the financial sector and wider society, the Great Divide.


The Great Divide matters because it signals a pronounced and protracted erosion of social capital. It puts finance on notice for losing its social licence. And, unaddressed, that jeopardises future wealth and well-being."...


Please click on the green button to access the full speech. If you're not yet convinced you should, here's a final snippet:


..." As a survey in 2013 of financial professionals found, rather remarkably, that over half believed their competitors engaged in illegal or unethical behaviour.  A smaller, but still high, fraction of 24% believed their own company engaged in such practices. Similar percentages believed their industry did not fulfil its fiduciary function of putting clients’ interests first.

The significance of these findings is not the precise percentages, as striking as these are.


More fundamentally, it is because of what they reveal about finance’s perception of itself, the mirror it holds to the social identity of finance."...


Click onto the button below to access the full speech; you'll be glad you did, it's profoundly thought-provoking for anybody interested in the future of the financial services industry:

If you are not already on the right page and want to read about our major international project to help rebuild trustworthiness and confidence in financial services, click on the orange button below:

Print Print | Sitemap
© Transparency Task Force