Published commentary and industry analysis from Paul Rowland on global risk, finance and insurance markets and the evolving challenges facing international business have been featured in Thomson Reuters Regulatory Intelligence, Commercial Risk Africa, Insurance Times and other leading industry publications.
Selected Publications
Dubai Investors Digest Implications for Sukuk Market after Dana Gas Ruling (2017)
In this Thomson Reuters Regulatory Intelligence article examining the implications of the Dana Gas sukuk dispute, Paul Rowland provides expert commentary on the potential legal and structural risks facing the global Islamic finance market. The case raised significant concerns regarding the enforceability of sukuk structures and the interaction between English law and Sharia interpretations in international capital markets.
Originally published by Thomson Reuters Regulatory Intelligence (Accelus) – 22 November 2017.
Keep Calm and Grow (2025)
Small and medium-sized enterprises form the backbone of the UK economy, yet they face an increasingly complex business environment shaped by regulatory change, evolving markets and economic uncertainty. In this article, Invictus Risk Solutions LLP contributes insights to The SME Barometer, highlighting key trends affecting SME businesses and offering practical perspectives on navigating risk, finance and growth in a rapidly changing landscape.
Originally published in The SME Barometer
Cryptocurrency Attacks Rise (2025)
Cyber threats targeting cryptocurrency exchanges and digital assets have risen sharply in recent years, highlighting the growing intersection between financial markets and cyber-security risk. In this article, Invictus Risk Solutions LLP examines the evolving threat landscape, including high-profile attacks attributed to state-linked actors, and considers the implications for financial institutions, insurers and investors operating in an increasingly digital financial ecosystem.
Originally published in The Credit Control Journal
The Chill of Recession Threatens to Bite (2024)
SMEs remain the backbone of the UK economy, yet they continue to face significant pressures from inflation, financing constraints and market volatility. In this edition of The SME Barometer, Invictus Risk Solutions LLP examines the outlook for SMEs and the factors shaping business resilience and growth.
Originally published in The SME Barometer
Growth’s Double Edged Sword (2024)
SMEs remain a critical driver of economic growth but continue to face a challenging operating environment. In this edition of The SME Barometer, experts examine how businesses are adapting to economic pressures while identifying the early signs of renewed growth across the sector.
Originally published in The SME Barometer
Bright Light Ahead (2024)
The economic outlook for SMEs has become increasingly complex following the UK’s Autumn Budget and shifting fiscal policy. In this edition of The SME Barometer, industry experts examine the impact of rising tax pressures, tightening labour markets and changing investment conditions on small and medium-sized enterprises. Despite these challenges, the report highlights the resilience of the SME sector and the opportunities that remain for businesses prepared to adapt to a rapidly evolving economic environment.
Originally published in The SME Barometer
SME Funding (2024)
In this Credit Control industry commentary, Paul Rowland discusses the growing importance of alternative funding solutions for UK small and medium-sized enterprises. With billions of pounds tied up in late payments across the UK economy, the article explores how trade credit insurance, receivables finance and alternative lenders are increasingly supporting SMEs in maintaining cash flow and sustaining growth in a challenging financial environment.
Originally published in The Credit Control Journal
Are We There Yet? – The Year So Far for UK SMEs (Autumn 2023)
In this edition of The SME Barometer, industry experts explore the complex economic environment facing UK SMEs, from inflation and rising interest rates to supply chain disruption and geopolitical uncertainty. The report examines how businesses are adapting to these pressures while identifying opportunities for innovation, international trade and long-term resilience.
Originally published in The SME Barometer
Islamic Finance – Still At A Crossroads (2023)
As global financial markets evolve, Islamic finance has emerged as one of the fastest-growing and most influential sectors within international banking and investment. In this article published in Credit Control Journal, Paul Rowland examines the principles of Shariah-compliant finance, the strategic importance of London’s ambition to become a Western hub for Islamic finance, and the significant opportunities this presents for the insurance and risk management markets.
Originally published in The Credit Control Journal
Accountants Urged to Engage with Insolvency Consultation (2022)
In this AccountingWEB industry article examining the UK Government’s consultation on the future of insolvency regulation, Paul Rowland provides expert commentary on the potential role of surety bonds and financial guarantees in strengthening the insolvency framework. The article explores how improved bonding structures could help protect creditors, improve regulatory oversight and reinforce confidence in the insolvency profession.
Originally published in AccountingWeb
Africa: still a continent of opportunity despite Covid-19 (2020)
In this Commercial Risk Africa interview, Paul Rowland discusses the economic outlook for African markets during the Covid-19 pandemic and the continued opportunities for foreign investment across the continent. The article examines the political, financial and operational risks facing international investors while highlighting the role of political risk insurance, trade credit protection and specialist risk advisory in supporting sustainable investment in African economies.
Originally published by Commercial Risk Africa
Insurance Buyers Urged to Start Talking Early as Market Hardens due to Covid-19 (2020)
In this Commercial Risk Europe article examining the impact of Covid-19 on global insurance markets, Paul Rowland provides commentary on the factors driving a hardening insurance market and the increasing scrutiny businesses face from underwriters. The article highlights how companies must demonstrate strong risk management, transparency and strategic planning in order to secure competitive insurance coverage during periods of market volatility.
Originally published in Commercial Risk Europe
Construction and Surety Working Together (2019)
In this article for Property Finance & Lifestyle Magazine, Paul Rowland examines the critical relationship between the UK construction sector and the surety market, explaining how surety bonds can protect employers, support contractors and strengthen confidence across complex construction projects.
Originally published in Property Finance and Lifestyle Magazine
Trust and Respect In The Broker-Client Relationship (2018)
In this article published in Credit Control Journal, Paul Rowland explores the critical role of trust and respect in the broker-client relationship, highlighting how expertise, transparency and long-term partnership remain essential to delivering effective risk management solutions in today’s competitive insurance market.
Published in The Credit Control Journal
Trade Credit Insurance Q&A (2015)
In this article published in Business Money, Paul Rowland explores how trade credit insurance can help UK corporates manage risk, protect receivables and support growth when trading in uncertain domestic and international markets.
Published in Business Money
Islamic Finance – Taking Root (2015)
This article explores the rapid growth of Islamic finance and the strategic efforts by the UK government and the City of London to position Britain as the leading Western hub for Shariah-compliant financial services and investment.
Published in Credit Journal – Asset & Risk Review
Digital Empowerment in Retail Banking and the Customer Service Challenge (2015)
In this industry insight report exploring the transformation of retail banking, Paul Rowland examines how digital technologies are reshaping customer relationships within the financial services sector. The report discusses the challenges banks face in adapting legacy systems, responding to new competitors and delivering seamless digital experiences while maintaining trust, security and regulatory compliance.
Originally published in Microsoft Insight
Trade Credit and Political Risk (2014)
In this article for Credit Control Journal, Paul Rowland explores how trade credit and political risk insurance can help businesses navigate an increasingly volatile global trading environment. The piece examines the economic pressures facing UK corporates, the evolving structure of the European trade credit insurance market, and how well-structured insurance programmes can protect receivables, strengthen balance sheets and support safer international expansion.
Published in Credit Journal – Asset & Risk Review
Are there Green Shoots of Recovery for the UK Construction Industry? (2013)
Following a period of significant contraction across the UK construction sector, this article examines whether genuine “green shoots” of recovery are beginning to emerge. Paul Rowland explores the financial pressures affecting contractors and supply chains, while highlighting the critical role that surety solutions can play in strengthening project security, supporting investor confidence and enabling construction businesses to operate safely during periods of economic uncertainty.
Published in Credit Journal – Asset & Risk Review
Industry Recognition
Business Money – Group Editor Testimonial
“Paul Rowland brings a more worldly track record in risk management than most. He has acquired wide experience of commercial risk working with some of the sector’s key insurance providers… An articulate commentator in commerce and economics. A sound performer and a good professional friend for any business.”
Robert Lefroy FCIB MCIOJ
Group Editor – Business Money
Global Market Consultation – McKinsey & Company / Atheneum Partners
In July 2022, Paul Rowland was invited to participate in a week-long consultation with Atheneum Partners and McKinsey & Company regarding global trends in the Trade Credit Insurance, Political Risk and Surety markets.
The discussions covered market structure, key global players, product classes, underwriting capacity, policy limits, premiums, regional market maturity and areas of future growth across international insurance and financial risk markets.
Feedback from the consultation included:
“Excellent, great delivery with detailed and vast knowledge.”
“Paul was so incredibly insightful.”
“The most knowledgeable expert that we have ever spoken to on this subject.”
Credit Control Journal – Editorial Testimonial
“Paul has an encyclopaedic knowledge of the insurance and surety market. He is highly motivated, tenacious, and demonstrates a level of dedication and professionalism that is truly inspiring.
His expert knowledge and passion for trade credit, insurance and risk ensure that Paul’s articles remain a firm favourite with our readers.
Paul has a superb grasp of business, its current challenges and what the future may look like, and is a true asset for any organisation fortunate enough to work with him.”
Carol Baker FCICM
Editor & Director of Marketing
Credit Control Journal & Asset & Risk Review