Lyddon Consulting Services Limited
We are a blue-chip specialist consultancy in international banking, focusing on matters related to the core domain of Payments and Cash Management. That leads to market change aspects such as the Euro, how to implement a change of currency, Single Euro Payments Area, and new services such as Bank Payment Obligation, and SWIFT for Corporates.
It also leads into the regulatory domain and measures such as Payment Services Directive, Anti-Money Laundering Directives, and regulations around cards, mobile, eMoney and mandatory information in funds transfers.
At Lyddon Consulting you will find find both methodologies and training packages to meet your needs and support your change programmes.
Latest posts
Flatlining UK GDP masks a deep recession in the private sector
Published on 14th March 2026
The UK economy’s performance in January should not have come as such a surprise to numerous ‘economic analysts’.
November GDP was boosted by accountancy advice, as people tried to predict and mitigate the measures in Labour’s November 2025 Budget.
December GDP will have ticked up thanks to Christmas.
Now we are back in stable state: stagnation of the headline figure.
Underneath […]
UK government’s plans to track and de-risk its own ‘shadow debt’ show the costs of the Net Zero transition will be imposed directly onto businesses and consumers
Published on 25 February 2026 and as previously published on 17 February 2026 by IREF (as an Online Article on https://en.irefeurope.org)
Introduction
The UK Budget papers of November 2025 acknowledge the funding models through which the government plans to increase the liabilities of UK taxpayers.
These funding models are designed to circumvent the government’s borrowing the money itself and causing the main measure of […]
The UK’s and EU’s Net Zero policies threaten to destroy their economies in the face of Trump’s oil-led US revival at US$50-per-barrel
Published on 12 February 2026 and as previously published by IREF Europe on 10 February 2026 (within Online Articles on https://en.irefeurope.org)
Introduction
The US is on the move and the geopolitical scenario has moved quickly away from the certainties of the last ten to fifteen years. Oil could come down to a price well below US$50-per-barrel, with prices for other petrochemical products […]
The UK’s November 2025 Budget and ‘Securonomics’
Published on 9 February 2026 and as previously published by IREF Europe on 28 January 2026 (within Online Articles on https://en.irefeurope.org)
Introduction
The UK government’s November 2025 Budget supplied ample corroboration of our report published by IREF in October 2025 (‘the report’), showing that the governing Labour Party plans to greatly expand the state’s direction of the UK economy.
The report is available here.
The […]
Angela Rayner is waiting in the wings for a recall to Starmer’s front bench – or even directly into Number 10 – so just one or two more questions about the flat in Hove…
Published on 6 February 2026 (as previously published on 31 January 2026 by https://conservativepost.com)
Introduction
Angela Rayner has not stopped being ‘on manoeuvres’ since her removal as Deputy Prime Minister for failing to adhere to the Ministerial Code in the matter of paying the correct Stamp Duty on her flat purchase in Hove.
She must fancy her chances of going directly in Number 10 […]
Denial of democracy in Norfolk threatens to sink the Tory ship
Published on 24th January 2026
Once again a letter published in the Daily Telegraph, which goes very well with the one preceding it, from a correspondent in Bergh Apton.
Last week’s letter attested to my intention to stay on the Tory ship until it sank; this week it has.
The historic judgement of North Norfolk on the sacking/defection of Robert Jenrick from Conservative to Reform
Published on 16th January 2026
My letter published in the Daily Telegraph of today’s date.
UPDATED: Is there a common understanding of the OBR statement in 2021 that Brexit would cause a ‘long-run’ 4% loss of GDP?
Revised calculations over 15 years from 2016
Published on 2 December 2025 and updated on 7 December 2025
It now turns out that the OBR’s ‘long-run’ was 15 years, rather than 20, and that their time series began in 2016, and not in 2021 when they made the statement.
The statement thus included the presumption that GDP growth was already being lost in 2016, […]
Main numbers in IREF report ‘The United Kingdom as a sandbox for state-directed investment’
Cover page of the report
Published on 12th November 2025
We have put together a summary of the numbers contained in our report published in October 2025 by IREF – the Institute for Research in Economic and Fiscal Issues – entitled ‘The United Kingdom as a sandbox for state-directed investment: major increase in ‘shadow debt’, and in the ‘shadow taxation’ required to service […]