Jesse Griffiths
@jesselgriffiths.bsky.social
CEO - Finance Innovation Lab.
Advocating for transformative change to UK & global finance rules for social & environmental justice.
Ex: Eurodad / Bretton Woods Project / ActionAid/ ODI Global.
Advocating for transformative change to UK & global finance rules for social & environmental justice.
Ex: Eurodad / Bretton Woods Project / ActionAid/ ODI Global.
Climate change & nature loss threaten to make economies 'uninsurable' = @wwf.org.uk report.
Already having major impacts on people (e.g. 1 in 6 Aus households spend > a month's income on insurance) and govt ($110bn cost to US govt in 2024)
wwf.panda.org/discover/our...
Already having major impacts on people (e.g. 1 in 6 Aus households spend > a month's income on insurance) and govt ($110bn cost to US govt in 2024)
wwf.panda.org/discover/our...
November 13, 2025 at 10:54 AM
Climate change & nature loss threaten to make economies 'uninsurable' = @wwf.org.uk report.
Already having major impacts on people (e.g. 1 in 6 Aus households spend > a month's income on insurance) and govt ($110bn cost to US govt in 2024)
wwf.panda.org/discover/our...
Already having major impacts on people (e.g. 1 in 6 Aus households spend > a month's income on insurance) and govt ($110bn cost to US govt in 2024)
wwf.panda.org/discover/our...
The new Financial Inclusion Strategy doesn't meet the moment economically or politically.
There is plenty of good in it, but it will still leave millions prey to high cost credit and loan sharks, and doesn't deliver the bold action the public wants.
My analysis:
www.linkedin.com/feed/update/...
There is plenty of good in it, but it will still leave millions prey to high cost credit and loan sharks, and doesn't deliver the bold action the public wants.
My analysis:
www.linkedin.com/feed/update/...
Fair By Design response to the UK Government’s Financial Inclusion Strategy - Fair By Design | Jesse Griffiths
The government's Financial Inclusion Strategy came out yesterday, and the fairly universal opinion was summed up by Rebecca Deegan as 'consolidation not transformation.' While there are plenty of goo...
www.linkedin.com
November 6, 2025 at 8:58 AM
The new Financial Inclusion Strategy doesn't meet the moment economically or politically.
There is plenty of good in it, but it will still leave millions prey to high cost credit and loan sharks, and doesn't deliver the bold action the public wants.
My analysis:
www.linkedin.com/feed/update/...
There is plenty of good in it, but it will still leave millions prey to high cost credit and loan sharks, and doesn't deliver the bold action the public wants.
My analysis:
www.linkedin.com/feed/update/...
Reposted by Jesse Griffiths
📢 The government’s Financial Inclusion Strategy is out. Some practical steps on #AffordableCredit are welcome, but it still falls short of the scale of change needed.
A #FairBankingAct would provide the clear, measurable framework this issue deserves.
#FairBankingForAll
A #FairBankingAct would provide the clear, measurable framework this issue deserves.
#FairBankingForAll
November 5, 2025 at 1:39 PM
📢 The government’s Financial Inclusion Strategy is out. Some practical steps on #AffordableCredit are welcome, but it still falls short of the scale of change needed.
A #FairBankingAct would provide the clear, measurable framework this issue deserves.
#FairBankingForAll
A #FairBankingAct would provide the clear, measurable framework this issue deserves.
#FairBankingForAll
The 60 biggest global banks have a massive $1.1-$1.6 TRILLION exposure to the riskiest fossil fuel assets.
New @financewatch.bsky.social report with recommendations on how changing insurance rules could be a game changer.
www.finance-watch.org/wp-content/u...
New @financewatch.bsky.social report with recommendations on how changing insurance rules could be a game changer.
www.finance-watch.org/wp-content/u...
October 30, 2025 at 8:13 AM
The 60 biggest global banks have a massive $1.1-$1.6 TRILLION exposure to the riskiest fossil fuel assets.
New @financewatch.bsky.social report with recommendations on how changing insurance rules could be a game changer.
www.finance-watch.org/wp-content/u...
New @financewatch.bsky.social report with recommendations on how changing insurance rules could be a game changer.
www.finance-watch.org/wp-content/u...
The wealth share of the bottom half of the UK population shrunk from 2.45% to 2% between 2011 and 2021. Meanwhile, the share of the top 10% continued to rise, to 60.75%. Is it any wonder people are p***ed off?
This & more from @fairness.bsky.social :
fairnessfoundation.com/risks-2025
This & more from @fairness.bsky.social :
fairnessfoundation.com/risks-2025
Wealth Gap Risk Register 2025
An online resource that collates evidence about the impacts of wealth inequality, the solutions and public attitudes to all of the above
fairnessfoundation.com
October 28, 2025 at 9:27 AM
The wealth share of the bottom half of the UK population shrunk from 2.45% to 2% between 2011 and 2021. Meanwhile, the share of the top 10% continued to rise, to 60.75%. Is it any wonder people are p***ed off?
This & more from @fairness.bsky.social :
fairnessfoundation.com/risks-2025
This & more from @fairness.bsky.social :
fairnessfoundation.com/risks-2025
Tomorrow (15/10) is the deadline to apply to be on the board of the wonderful @thefinancelab.bsky.social! Thank you so much to everyone who applies, and to everyone who helped share this - I really, really appreciate you ❤️
Come work with me!
We need Trustees with skills in: financial sector policy / communications / fundraising. Who are passionate about changing UK financial system rules for social and economic justice.
DM for a chat. Thanks for sharing!
financeinnovationlab.org/join-our-tru...
We need Trustees with skills in: financial sector policy / communications / fundraising. Who are passionate about changing UK financial system rules for social and economic justice.
DM for a chat. Thanks for sharing!
financeinnovationlab.org/join-our-tru...
We're recruiting - Join our Trustee Board - Finance Innovation Lab
We’re looking for up to three new trustees to join our board from January 2026. We’re particularly interested in people with experience in financial sector policy, communications and fundraising.…
financeinnovationlab.org
October 14, 2025 at 9:22 AM
Tomorrow (15/10) is the deadline to apply to be on the board of the wonderful @thefinancelab.bsky.social! Thank you so much to everyone who applies, and to everyone who helped share this - I really, really appreciate you ❤️
Come work with me!
We need Trustees with skills in: financial sector policy / communications / fundraising. Who are passionate about changing UK financial system rules for social and economic justice.
DM for a chat. Thanks for sharing!
financeinnovationlab.org/join-our-tru...
We need Trustees with skills in: financial sector policy / communications / fundraising. Who are passionate about changing UK financial system rules for social and economic justice.
DM for a chat. Thanks for sharing!
financeinnovationlab.org/join-our-tru...
We're recruiting - Join our Trustee Board - Finance Innovation Lab
We’re looking for up to three new trustees to join our board from January 2026. We’re particularly interested in people with experience in financial sector policy, communications and fundraising.…
financeinnovationlab.org
October 9, 2025 at 7:30 AM
Come work with me!
We need Trustees with skills in: financial sector policy / communications / fundraising. Who are passionate about changing UK financial system rules for social and economic justice.
DM for a chat. Thanks for sharing!
financeinnovationlab.org/join-our-tru...
We need Trustees with skills in: financial sector policy / communications / fundraising. Who are passionate about changing UK financial system rules for social and economic justice.
DM for a chat. Thanks for sharing!
financeinnovationlab.org/join-our-tru...
RIP the Net Zero Banking Alliance, & effectively RIP GFANZ & the idea that big financial institutions would lead us in the just transition.
Only governments can provide this leadership, with support from financial sector allies & impetus from active citizens:
www.linkedin.com/feed/update/...
Only governments can provide this leadership, with support from financial sector allies & impetus from active citizens:
www.linkedin.com/feed/update/...
Global banking climate alliance folds four years after launch | Jesse Griffiths
RIP GFANZ. The hope that large financial sector companies would lead the green transition is dead, but it was never realistic. Only governments - through policy and regulation - can push the financial...
www.linkedin.com
October 8, 2025 at 7:30 AM
RIP the Net Zero Banking Alliance, & effectively RIP GFANZ & the idea that big financial institutions would lead us in the just transition.
Only governments can provide this leadership, with support from financial sector allies & impetus from active citizens:
www.linkedin.com/feed/update/...
Only governments can provide this leadership, with support from financial sector allies & impetus from active citizens:
www.linkedin.com/feed/update/...
The world’s 60 largest banks hold $1.6 trillion USD in credit exposure tied to fossil-fuel activities - new @financewatch.bsky.social research:
www.finance-watch.org/policy-porta...
www.finance-watch.org/policy-porta...
Report – A trillion dollars of climate risk: the case for a systemic risk buffer | Finance Watch
www.finance-watch.org
September 30, 2025 at 8:06 AM
The world’s 60 largest banks hold $1.6 trillion USD in credit exposure tied to fossil-fuel activities - new @financewatch.bsky.social research:
www.finance-watch.org/policy-porta...
www.finance-watch.org/policy-porta...
Something quick & important to do today: write to your MP asking them to support rule changes to divest all pensions from fossil fuel expansion:
actionnetwork.org/letters/writ...
actionnetwork.org/letters/writ...
Write to your MP: Divest our pensions from risky fossil fuels!
UK pensions invest £88 billion in fossil fuels, causing the equivalent of 80% of the annual emissions of the entire country through fossil fuel funding alone. This puts both our planet and pension…
actionnetwork.org
September 30, 2025 at 7:45 AM
Something quick & important to do today: write to your MP asking them to support rule changes to divest all pensions from fossil fuel expansion:
actionnetwork.org/letters/writ...
actionnetwork.org/letters/writ...
Come and help us transform UK finance rules for social and economic justice - we're looking for new board members! Especially those with expertise in policy, comms or fundraising.
DM if you want to chat about it. Full deeds here:
financeinnovationlab.org/wp-content/u...
DM if you want to chat about it. Full deeds here:
financeinnovationlab.org/wp-content/u...
financeinnovationlab.org
September 24, 2025 at 8:03 AM
Come and help us transform UK finance rules for social and economic justice - we're looking for new board members! Especially those with expertise in policy, comms or fundraising.
DM if you want to chat about it. Full deeds here:
financeinnovationlab.org/wp-content/u...
DM if you want to chat about it. Full deeds here:
financeinnovationlab.org/wp-content/u...
My latest Changing Finance roundup is out:
🌱 Why the UK’s approach to greening finance is failing
⚠️ Could private credit spark the next financial crisis?
💸 The gender wealth & pensions gaps
🌍 Who really owns Britain?
Read it here 👉 financeinnovationlab.org/changing-fin...
🌱 Why the UK’s approach to greening finance is failing
⚠️ Could private credit spark the next financial crisis?
💸 The gender wealth & pensions gaps
🌍 Who really owns Britain?
Read it here 👉 financeinnovationlab.org/changing-fin...
Changing Finance: new this month - September - Finance Innovation Lab
The greening finance battleground The battle for the soul of greening finance in the UK. Here’s why the financial risk-based approach to climate change is failing. A more proactive approach,…
financeinnovationlab.org
September 24, 2025 at 7:15 AM
My latest Changing Finance roundup is out:
🌱 Why the UK’s approach to greening finance is failing
⚠️ Could private credit spark the next financial crisis?
💸 The gender wealth & pensions gaps
🌍 Who really owns Britain?
Read it here 👉 financeinnovationlab.org/changing-fin...
🌱 Why the UK’s approach to greening finance is failing
⚠️ Could private credit spark the next financial crisis?
💸 The gender wealth & pensions gaps
🌍 Who really owns Britain?
Read it here 👉 financeinnovationlab.org/changing-fin...
Reposted by Jesse Griffiths
📢Volunteer recruitment📢 Could you help @TheFinanceLab transform the financial system for the better? Apply to join our board of trustees! Find out more and apply.
app.beapplied.com/apply/yg7lao...
Closes 15 October 2025.
app.beapplied.com/apply/yg7lao...
Closes 15 October 2025.
3 x Trustees (financial system policy, comms, and fundraising)
At Finance Innovation Lab we believe in a financial system that serves people and planet. Our financial system has become disconnected from the real needs of people, the environment, the wider economy...
app.beapplied.com
September 23, 2025 at 9:18 AM
📢Volunteer recruitment📢 Could you help @TheFinanceLab transform the financial system for the better? Apply to join our board of trustees! Find out more and apply.
app.beapplied.com/apply/yg7lao...
Closes 15 October 2025.
app.beapplied.com/apply/yg7lao...
Closes 15 October 2025.
72% of EU companies have a high dependency on at least one ecosystem service, and most of the ecosystem footprint is supported by just 100 banks (of the 2500 banks analyzed). Nice short summary of new academic paper:
www.linkedin.com/feed/update/...
www.linkedin.com/feed/update/...
European banks face significant vulnerability to ecosystem degradation and climate change - Communications Earth & Environment | Andrej Ceglar
In our new study we demonstrate how the economy and banks in the euro area are critically dependent on ecosystem services and how they simultaneously contribute to biodiversity loss through their biodiversity...
www.linkedin.com
September 23, 2025 at 8:15 AM
72% of EU companies have a high dependency on at least one ecosystem service, and most of the ecosystem footprint is supported by just 100 banks (of the 2500 banks analyzed). Nice short summary of new academic paper:
www.linkedin.com/feed/update/...
www.linkedin.com/feed/update/...
The gender wealth gap in the UK is 21% - new @womensbudgetgrp.bsky.social research
www.wbg.org.uk/wp-content/u...
Nearly all of this is due to pensions wealth. Another reason why we need fundamental reform of the pensions system:
financeinnovationlab.org/our-work/fai...
www.wbg.org.uk/wp-content/u...
Nearly all of this is due to pensions wealth. Another reason why we need fundamental reform of the pensions system:
financeinnovationlab.org/our-work/fai...
www.wbg.org.uk
September 23, 2025 at 7:45 AM
The gender wealth gap in the UK is 21% - new @womensbudgetgrp.bsky.social research
www.wbg.org.uk/wp-content/u...
Nearly all of this is due to pensions wealth. Another reason why we need fundamental reform of the pensions system:
financeinnovationlab.org/our-work/fai...
www.wbg.org.uk/wp-content/u...
Nearly all of this is due to pensions wealth. Another reason why we need fundamental reform of the pensions system:
financeinnovationlab.org/our-work/fai...
"The Global anti-financial crime system is broken" - Sobering from @rusi.bsky.social
Good on the problem of relying on FIs as police. There's a deeper systemic issue: a system designed to service international capital is likely to be easy for criminals to use.
www.rusi.org/explore-our-...
Good on the problem of relying on FIs as police. There's a deeper systemic issue: a system designed to service international capital is likely to be easy for criminals to use.
www.rusi.org/explore-our-...
The Global Anti-Financial Crime System is Broken
Following the crowd and maintaining the status quo is comfortable – and the kleptocrats, corrupt and criminals hope that does not change.
www.rusi.org
September 22, 2025 at 7:30 AM
"The Global anti-financial crime system is broken" - Sobering from @rusi.bsky.social
Good on the problem of relying on FIs as police. There's a deeper systemic issue: a system designed to service international capital is likely to be easy for criminals to use.
www.rusi.org/explore-our-...
Good on the problem of relying on FIs as police. There's a deeper systemic issue: a system designed to service international capital is likely to be easy for criminals to use.
www.rusi.org/explore-our-...
"The crypto crises are coming" - thanks to new US legislation.
Crypto is also a boon for money launderers and serves little economic purpose.... so we should be using regulation to curb it, not encourage it, as the UK is threatening to do.
www.project-syndicate.org/commentary/u...
Crypto is also a boon for money launderers and serves little economic purpose.... so we should be using regulation to curb it, not encourage it, as the UK is threatening to do.
www.project-syndicate.org/commentary/u...
The Crypto Crises Are Coming
Simon Johnson warns that new US legislation leaves the industry just where it wants to be: without regulatory safeguards.
www.project-syndicate.org
September 22, 2025 at 6:30 AM
"The crypto crises are coming" - thanks to new US legislation.
Crypto is also a boon for money launderers and serves little economic purpose.... so we should be using regulation to curb it, not encourage it, as the UK is threatening to do.
www.project-syndicate.org/commentary/u...
Crypto is also a boon for money launderers and serves little economic purpose.... so we should be using regulation to curb it, not encourage it, as the UK is threatening to do.
www.project-syndicate.org/commentary/u...
Want to volunteer your time and expertise to help us fundamentally change UK finance rules?
Apply to be a trustee of Finance Innovation Lab - DM me if you'd like to chat, and thanks for sharing!
More diets here: financeinnovationlab.org/join-our-tru...
Apply to be a trustee of Finance Innovation Lab - DM me if you'd like to chat, and thanks for sharing!
More diets here: financeinnovationlab.org/join-our-tru...
We're recruiting - Join our Trustee Board - Finance Innovation Lab
We’re looking for up to three new trustees to join our board from January 2026. We’re particularly interested in people with experience in financial sector policy, communications and fundraising. You’...
financeinnovationlab.org
September 19, 2025 at 2:33 PM
Want to volunteer your time and expertise to help us fundamentally change UK finance rules?
Apply to be a trustee of Finance Innovation Lab - DM me if you'd like to chat, and thanks for sharing!
More diets here: financeinnovationlab.org/join-our-tru...
Apply to be a trustee of Finance Innovation Lab - DM me if you'd like to chat, and thanks for sharing!
More diets here: financeinnovationlab.org/join-our-tru...
Who Owns Britain? Super interesting and important work from @cmmonwealth.bsky.social
www.common-wealth.org/interactive/...
www.common-wealth.org/interactive/...
Data Dashboard | Who Owns Britain
An interactive Data Dashboard exploring who owns and profits from Britain’s essential services.
www.common-wealth.org
September 19, 2025 at 7:30 AM
Who Owns Britain? Super interesting and important work from @cmmonwealth.bsky.social
www.common-wealth.org/interactive/...
www.common-wealth.org/interactive/...
UK finance lobby’s growing influence threatens our interests - from @mickmcateer.bsky.social
www.opendemocracy.net/en/uk-financ...
@opendemocracy.net
www.opendemocracy.net/en/uk-financ...
@opendemocracy.net
UK finance lobby’s growing influence threatens our interests
The government is overlooking the lessons of history – and the financial sector’s tendency to cause harm
www.opendemocracy.net
September 19, 2025 at 6:45 AM
UK finance lobby’s growing influence threatens our interests - from @mickmcateer.bsky.social
www.opendemocracy.net/en/uk-financ...
@opendemocracy.net
www.opendemocracy.net/en/uk-financ...
@opendemocracy.net
Shocking: 98% of publicly listed companies 'lack credible climate transition plans'
Report from @tpicatlse.bsky.social examining 2000+ companies = 3/4 of global publicly listed equities.
[Why we need govts + regulators to step up]
www.transitionpathwayinitiative.org/publications...
Report from @tpicatlse.bsky.social examining 2000+ companies = 3/4 of global publicly listed equities.
[Why we need govts + regulators to step up]
www.transitionpathwayinitiative.org/publications...
Publicly-listed companies lack credible climate transition plans as emissions intensity set to overshoot, report warns - Transition Pathway Initiative
98% of companies have not disclosed plans to shift capital away from carbon-intensive assets or to align spending with their long-term decarbonisation goals. P
www.transitionpathwayinitiative.org
September 18, 2025 at 6:30 AM
Shocking: 98% of publicly listed companies 'lack credible climate transition plans'
Report from @tpicatlse.bsky.social examining 2000+ companies = 3/4 of global publicly listed equities.
[Why we need govts + regulators to step up]
www.transitionpathwayinitiative.org/publications...
Report from @tpicatlse.bsky.social examining 2000+ companies = 3/4 of global publicly listed equities.
[Why we need govts + regulators to step up]
www.transitionpathwayinitiative.org/publications...
3 reasons why lighter crypto regulation is a bad idea:
1. High risk of financial crisis
2. "Cryptoassets are increasingly used for laundering all forms of proceeds of crime." (NRA)
3. Crypto = speculative asset, not a support for investment
www.ft.com/content/3b81...
1. High risk of financial crisis
2. "Cryptoassets are increasingly used for laundering all forms of proceeds of crime." (NRA)
3. Crypto = speculative asset, not a support for investment
www.ft.com/content/3b81...
September 17, 2025 at 7:49 AM
3 reasons why lighter crypto regulation is a bad idea:
1. High risk of financial crisis
2. "Cryptoassets are increasingly used for laundering all forms of proceeds of crime." (NRA)
3. Crypto = speculative asset, not a support for investment
www.ft.com/content/3b81...
1. High risk of financial crisis
2. "Cryptoassets are increasingly used for laundering all forms of proceeds of crime." (NRA)
3. Crypto = speculative asset, not a support for investment
www.ft.com/content/3b81...
5 reasons why the financial-risk based approach to climate change has failed - @jryancollins.bsky.social
1. Uncertainty not risk
2. Single materiality
3. Complexity & opacity of system
4. Conflicts of interest
5. Prices not only things affecting lending/ investment
medium.com/iipp-blog/th...
1. Uncertainty not risk
2. Single materiality
3. Complexity & opacity of system
4. Conflicts of interest
5. Prices not only things affecting lending/ investment
medium.com/iipp-blog/th...
The tragedy of the ‘measure to manage’ green financial policy paradigm
Josh Ryan-Collins, Professor in Economics and Finance, UCL Institute for Innovation and Public Purpose
medium.com
September 12, 2025 at 1:09 PM
5 reasons why the financial-risk based approach to climate change has failed - @jryancollins.bsky.social
1. Uncertainty not risk
2. Single materiality
3. Complexity & opacity of system
4. Conflicts of interest
5. Prices not only things affecting lending/ investment
medium.com/iipp-blog/th...
1. Uncertainty not risk
2. Single materiality
3. Complexity & opacity of system
4. Conflicts of interest
5. Prices not only things affecting lending/ investment
medium.com/iipp-blog/th...
Dangerous financial sector deregulation alert : a new proposal to stop financial sector regulators from considering non-statutory issues, including environmental impacts, or impacts on financial exclusion, when setting most rules for the system:
www.linkedin.com/feed/update/...
www.linkedin.com/feed/update/...
Regulatory_Environment_Pillar_Cross-Cutting_Issues_Consultation.pdf | Jesse Griffiths
Over the summer, the government released important – and potentially damaging – proposals to change how regulators interpret their role and mandates. These proposals, open for consultation until...
www.linkedin.com
September 2, 2025 at 6:50 AM
Dangerous financial sector deregulation alert : a new proposal to stop financial sector regulators from considering non-statutory issues, including environmental impacts, or impacts on financial exclusion, when setting most rules for the system:
www.linkedin.com/feed/update/...
www.linkedin.com/feed/update/...
Timely advice for UK from a Fed. Reserve Governor on financial crises:
".... lessons for policymakers: maintain a through-the-cycle perspective rather than believing "this time is different"; resist pressure to loosen regulations during boom times. "
uk.investing.com/news/economy...
".... lessons for policymakers: maintain a through-the-cycle perspective rather than believing "this time is different"; resist pressure to loosen regulations during boom times. "
uk.investing.com/news/economy...
July 18, 2025 at 7:01 AM
Timely advice for UK from a Fed. Reserve Governor on financial crises:
".... lessons for policymakers: maintain a through-the-cycle perspective rather than believing "this time is different"; resist pressure to loosen regulations during boom times. "
uk.investing.com/news/economy...
".... lessons for policymakers: maintain a through-the-cycle perspective rather than believing "this time is different"; resist pressure to loosen regulations during boom times. "
uk.investing.com/news/economy...