Confused.com

Last updated
Confused.com
Company type Limited company
Industry Financial services
Founded2001
Headquarters Cardiff, Wales, UK
Area served
 United Kingdom
Key people
Steve Dukes (CEO)
Services Financial services
Parent RVU
Website https://www.confused.com

Confused.com is a UK-based financial services comparison platform. It launched in 2001 and specialises in comparing insurance and financial services. This includes car insurance, home insurance, energy, van insurance, broadband and life insurance. Confused.com also has a website and an app.

Contents

Confused.com was the first-ever Price Comparison Website (PCW) on the market [1] . It’s based in  Cardiff, Wales, and is regulated by the Financial Conduct Authority.

History

Under Admiral Group

Confused.com was owned by the Admiral Group. Kate Armstrong launched the site in 2001 and it became the UK’s first car insurance price comparison site [1] .

The company aimed to simplify the insurance policy search process. Before Confused.com, customers would have to navigate multiple websites and re-enter the same details to get an insurance quote. This often resulted in inconsistent information and pricing. [2] Confused.com solved this by offering a platform where users could enter their details and get quotes from multiple insurers to save time and money.

Admiral provided Confused.com with a limited budget and timescale to succeed [3] . The project got support from Admiral’s founder, Henry Engelhart.

The original technology behind Confused.com originated from the acquisition of Inspop.com Limited by Admiral Group. The transaction involved acquiring Inspop's web scraping tools, which were used in the early days of Confused.com. [4] Confused.com's first product (in 2001) involved a £10 membership fee. This model was replaced in 2002 by the current free-to-use model.

Confused.com soon developed a new sophisticated quote engine with several insurance partners on their panel, enabling customers to easily compare quotes across multiple companies.

Inspop.com remained a distinct legal entity and department within Admiral until its sale to RVU in 2021. [5]

During its first 5-6 years, the company experienced rapid growth.It expanded its offerings from car insurance to 40 different products, attracting 11.3 million customers [6] and generating approximately £30 million in profit. [3]

Former Confused.com team member Hayley Parsons founded competitor price comparison website, Go.Compare, in 2006. [7]

Admiral Group had several price comparison websites (PCWs) outside of the UK, including Rastreator and LeLynx. Penguin Portals, a holding company, served as the umbrella organisation for these. [8]

To preserve operational independence from Admiral, Confused.com operated from separate offices in Cardiff. It also limited its interactions with Admiral's higher management. [9] However, there were similarities in company culture and personnel.  For example, individuals like Kate Armstrong and Andy Brockway transitioned from Admiral to Confused.com roles. [3]

As a subsidiary of Admiral Group plc, Confused.com was part of a broader portfolio of businesses, mainly consisting of car insurance brands [10] , including:

Admiral Group went public on the stock exchange in September 2004 [11] .

Under RVU

Admiral Group PLC sold Confused.com to RVU on May 30, 2021 [12] .

Joining RVU has allowed Confused.com to operate more independently, as well as receiving significant investment and growth opportunities [13] .

Integration into RVU gave Confused.com access to an extended network, including new colleagues in London. This expansion contributed to a wider variety of ideas and expertise within the company, to help further develop Confused.com’s core products and market share. [6]

Confused.com is now integrated into a network of similar sites, all designed to facilitate comparison and enable better financial decision-making for consumers.

Other brands in the RVU network include: [14]

App development and features

In 2011, Confused.com launched the first-ever telematics app, Motormate, designed to encourage better driving with rewards. [17] This has since been retired.

Confused.com introduced a different app, QuickQuote in 2013. Customers could get insurance quotes using just an email address and a vehicle registration number on this app. Although it initially attracted over 100,000 users and was advertised on television, the service was temporarily suspended.

QuickQuote was reactivated in 2019 and became a key feature of Confused.com's digital services.

The Confused.com App, released in 2019, replaced the QuickQuote app and includes the feature for generating insurance quotes. It also features: [18]

The Confused.com app has been downloaded over 500,000 times on Google Play [19] and has a 4.8-star rating on Apple's App Store. [20]

The app averages about 20,000 new users per month. [21]

In 2022, the app was shortlisted for the National Tech Awards. [22]

Company structure and culture

Confused.com has invested significantly in cultivating a collaborative and dedicated team culture.

The company promotes learning and development through equal access to opportunities, transparent communication, and recognition of achievements.

Key Personnel

Significant figures in the history of Confused.com include:

Kate Armstrong: The founder of Confused.com, Kate Armstrong's legacy continues to be a key part of the company identity. Her influence is commemorated with a dedicated room in the office named after her. She remains involved with Confused.com, regularly conducting talks and sharing insights about the company's origins and development. [3]

Louise O'Shea: Transitioning from Finance Director to CEO [23] , Louise O'Shea significantly impacted the company's financial growth. She was a driving force behind the sale of Confused.com to RVU. Under her leadership, profits went from £10.1 million in 2017 to £29.4 million in 2020. A founding partner of Fintech Wales, Louise introduced various positive changes and had a strong commitment to corporate social responsibility.

Steve Dukes: Steve Dukes was appointed as the CEO of Confused.com as Louise O'Shea stepped down from the role after almost 6 years. Dukes joined Confused.com as the company’s Chief Operating Officer in 2019. [24] Before joining Confused.com, Dukes served in product leadership and general management roles in high-growth companies within the financial services and eCommerce sectors. This included serving as CEO at CommuterClub, where he oversaw a period of key transformation within the company.

Martin Coriat: Following his tenure as CEO of Confused.com, Martin Coriat went on to become the CEO of LeLynx. [23]

Andy Brockway: Andy Brockway was a founder member of Confused.com, and crucial in the technological development of the company. He left the company in March 2023.

Sam Day: Sam Day had the longest tenure as CMO at Confused.com. He shifted the marketing strategy from fame-oriented to results-focused ‘spontaneous awareness’. [25] His goal was to position Confused.com as the brand explaining complex insurance topics to customers in a simple manner. [26] This campaign included a website overhaul in 2017, moving from a colourful design to a cleaner, stripped-back site.

Under Sam Day, marketing ROI increased 36% and increased spontaneous brand awareness by 45%, leading to a Silver Effie award in 2020. [25]

Sam Day announced his departure from the company in November 2023. [25]

Partnerships

In 2014, Confused.com entered into a partnership with Experian to provide real-time alerts for identifying high-risk and fraudulent insurance quotations. This initiative was part of Confused.com's effort to educate and empower insurance consumers. [27]

This collaboration led to Experian Confused, the first comparison site to offer UK insurers real-time alerts for identifying high-risk and potentially fraudulent quotations from suspicious devices.

Sponsorships

Confused.com has sponsored programmes on ITV such as Who Wants to Be a Millionaire? (including the drama series Quiz), Ninja Warrior UK, Sunday Night at the Palladium, Celebrity Squares, Catchphrase, Emmerdale , and The Simpsons on Sky Showcase (formerly Sky One & Sky 1). It also previously sponsored the ITV National Weather. In 2019, along with Land Rover, they were a sponsor of ITV's coverage of the 2019 Rugby World Cup.

Confused.com is the principal sponsor for Fintech Awards Wales. [28]

Response to COVID-19

As the COVID-19 pandemic began, Confused.com transitioned to a fully remote operation within a week. This quick shift was facilitated by the international nature of being a part of Penguin Portal groups, which had already accustomed the team to remote collaboration in a bid to improve sustainability. [29]

The company established a COVID hub, which provided updated information and reassurance on a weekly basis. This hub was a resource for clear and immediate information, helping to navigate the uncertainties brought about by the pandemic. [29]

Advertising

Confused.com's first advert featured a simple white screen with a narrator addressing pain points. The narrator explained how Confused.com could alleviate the confusion surrounding insurance matters. [30]

Adverts in early 2010 focused on the concept of regret. It featured members of the public lamenting that they could have purchased something they wanted if they had purchased their car insurance through Confused.com.

The company managed all of its marketing efforts in-house, before the company switched to partnering with external agencies in 2008. [31]

2010 - 2013: Cara Confused

Confused.com introduced "Cara Confused," an animated character featured in its advertising campaigns. [32] The initial campaign had a collaboration with Nectar, where customers would receive 1000 Nectar points when they purchased car insurance through Confused.com. The ‘Cara Confused’ campaigns were well-known for brand name repetition and adaptations of popular songs like “Y.M.C.A” [33] and Queen songs.

Marketing Director Mike Hoban claimed that this campaign gained Confused.com 2 million customers since launch. [34]

The character of Cara was inspired by the founder, Kate Armstrong, and her distinctive frizzy hair, which also influenced the company's original logo. [32]

2013-2016: Brian the Robot

Confused.com introduced "Brian the Robot," a naive yet helpful and intelligent robot character. [35] This campaign included giveaways of toys featuring Brian the Robot as an incentive to purchase insurance. [36]

The company positioned itself as the "insurance geek" during this period, offering a family of helper robots to engage with customers.

In 2014, Confused.com partnered with LEGO for a unique advertising campaign, creating entire stop-motion adverts made of LEGO, including Brian the Robot. The campaign was part of an ad break during the release of The Lego Movie. [37] It involved a social media campaign centred around Brian's "kidnapping," which led to the introduction of the helper robots.

2016 - 2018: James Corden

In 2016, Confused.com began working with actor and comedian James Corden [38] to build brand recognition by associating with a recognised star. The campaign emphasised the "driver wins" era. [39] It celebrated moments such as filling up the car with petrol to a round figure or only hitting green at all traffic lights when driving. It focused on the culture of drivers rather than just the insurance aspect.

2018 - 2024: Confusion to Clarity

Between 2018 and mid-2024, Confused.com’s advertisements focused on the theme of "The Confusion and the Clarity." These campaigns were designed to explore everyday confusions, interwoven with the brand name, to show how Confused.com is ingrained in customers' daily lives. [40]

The initial campaign featured Timothy Murphy driving into a dystopian landscape, symbolising the confusion people often experience when navigating complex decisions. [41] As the years progressed, the advertising strategy evolved to include a diverse cast of individuals, marking a significant change in direction and tone. [42]

The overarching theme revolved around the "paradox of choice," highlighting the overwhelming array of options and misinformation available that can lead to confusion. The advertisements became more artistic in execution, capturing attention while moving away from a strict focus on car insurance. [26]

The Confused.com comic was launched in the Metro newspaper, where everyday confusions were transformed into a comic strip format, making them more visually accessible. [43]

In October 2023, Confused.com enlisted the services of Leo Burnett to handle its advertising campaigns.This underscored the company's commitment to maintaining a strong presence in the market.

2024 - current : Just used Confused.com

In May 2024 Confused.com launched the debut advertisement campaign created with new ad agency Leo Burnett. The campaign focuses on the positive feeling customers get from having “Just used Confused.com” and features an array of characters in everyday situations demonstrating this feeling through the medium of a catchy whistle. [44]

Awards and notable TV moments

2018: The true depth of the UK pothole problem

In 2018, Confused.com used Freedom of Information data from UK councils to assess the extent of potholes in their areas. They created an interactive infographic illustrating that the combined depth of these potholes was equivalent to the depth of the Mariana Trench. [45]

This campaign won 3 awards and raised public awareness about the pothole issue, showcasing Confused.com's commitment to customer advocacy.

The campaign gained visibility on Scottish Parliament TV. [46]

Industry presence and leadership

During Martin Coriat's tenure as CEO, Confused.com and other price comparison website CEOs participated in a commission discussing pricing strategies and practices.

Aoife McArdle, who directed the "Confusion to Clarity" ad campaign for Confused.com, has since gained significant acclaim in the industry for her work. [47]

Sam Day, previous Chief Marketing Officer at Confused.com, has been recognised for his excellence in marketing. He appeared in the Top 100 campaign award for five consecutive years. [48]

Confused.com has been the recipient of a number of marketing and industry awards:

See also

Related Research Articles

<span class="mw-page-title-main">Admiral Group</span> Motor insurance company

Admiral Group plc is a British financial services company headquartered in Cardiff, Wales. Listed on the London Stock Exchange, it is a constituent of the FTSE 100 Index, and markets the Admiral, Bell, Elephant, Diamond and Veygo insurance brands, as well as launching the price comparison services Confused.com and Compare.com. The group employs more than 10,000 people across its brands.

<span class="mw-page-title-main">NFU Mutual</span> British mutual insurance company

NFU Mutual is a UK insurance composite. As a mutual, its policyholder members own the business, and the executives and directors are accountable to them. The full name of the organisation is National Farmers' Union Mutual Insurance Society Limited.

BeatThatQuote.com was a British price comparison site specializing in personal finance products. The site was disabled in 2013 after being acquired by Google.

Uswitch Limited is a UK-based price comparison service and switching website founded in 2000. Users can conveniently compare prices across various sectors f energy, personal finance, insurance, and communications

Houseful is a British residential property software, data, and insight company based in London, England, owned by Silver Lake Partners.

Bankrate, LLC is a consumer financial services company based in New York City. Bankrate.com, perhaps its best-known brand, is a personal finance website. As of November 8, 2017, it became a subsidiary of Red Ventures through an acquisition.

Comparethemarket is a UK price comparison website, founded in 2006, that is part of the BGL Group. The website also offers other on-line companies the ability to provide their customers with a co-branded or white labelled comparison service.

giffgaff British mobile virtual network operator

GiffgaffLimited is an MVNO, marketed as a budget service provider and flanker brand of Telefónica UK. The stylised 'giffgaff' brand was founded by Gav Thompson a former marketing executive for Telefónica UK and was launched online only, on 25 November 2009.

GoCompare.com Limited, trading as Go.Compare is a Welsh financial services comparison company based in Newport, Wales. Its website provides comparison details for financial products including car insurance, home and pet insurance and breakdown cover. Since 2021 it has been owned by Future plc. The company's advertising campaign in 2015 was voted as the "most irritating advertisement."

EMB Consultancy, also known as EMB Actuaries and Consultants, is an international actuarial business consultancy and software provider. EMB was originally established as a strategic and actuarial advisor to non-life insurers. The company has developed and now operates in a growing range of business functions and sectors, such as banking, investments, asset management, fraud prevention, risk enterprise management, mergers and acquisitions and marketing. These are areas where the widespread collection and use of data and financial models have become commonplace.

<span class="mw-page-title-main">Tower Insurance</span> New Zealand insurance company

Tower is a New Zealand-based insurance company that provides car, home, contents, business, boat, pet, travel and other general insurance.

CurrencyFair is an online currency exchange platform that until 2023 offered a peer-to-peer currency exchange service. CurrencyFair is headquartered in Ireland and also has employees in the UK, Australia, Greece, Hong Kong, Poland and Singapore. The company has established working sectors in Newcastle (UK), New South Wales (Australia), Singapore and Hong Kong. CurrencyFair provides international money transfers in 20 global currencies.

Compare.com is a comparison shopping website for intangible products, most notably car insurance, with headquarters in Richmond, VA. Compare.com was owned by its founding investor, Admiral Group plc, owner of the United Kingdom's first car insurance comparison site.

More Than is an insurance company based in the United Kingdom that offers motor, home, pet and travel insurance. Its business arm More Than BUSINESS offers business insurance. The company is a subsidiary of the RSA Insurance Group.

<span class="mw-page-title-main">Revolut</span> British financial technology company

Revolut is a global neobank and financial technology company based in London, England. It offers banking services for retail customers and businesses. It was founded in 2015 by Nikolay Storonsky and Vlad Yatsenko. It offers products including banking services, currency exchange, debit and credit cards, virtual cards, Apple Pay, interest-bearing "vaults", personal loans and BNPL, stock trading, crypto, commodities, human resources and other services.

OakNorth Bank is a UK bank for scaling businesses that provides loans and both business and personal savings accounts. The bank, which gained regulatory approval in early 2015, was founded by entrepreneurs Rishi Khosla and Joel Perlman, who had previously founded Copal Amba. The bank focuses on providing loans of £0.5m–£25m as well as savings accounts.

DoNotPay is an online legal service and chatbot. The product provides a "robot lawyer" service that claims to make use of artificial intelligence to contest parking tickets and provide various other legal services, with a subscription cost of $36 bimonthly. DoNotPay's effectiveness and marketing have been subject to praise and criticism.

Policybazaar is an Indian insurance aggregator and multinational financial technology company based in Gurgaon. The corporation was established in June 2008 by Yashish Dahiya, Alok Bansal and Avaneesh Nirjar. It provides a digital platform—website and an app—where users can compare insurance policies and other financial services from major insurance companies. The company is India's largest insurance aggregator, and has expanded its operations to the United Arab Emirates.

Freetrade is a UK-based financial technology company which offers a freemium share dealing service. The company was founded in 2016 and launched an iOS app in October 2018, followed by an Android version in April 2019. In October 2021 the company surpassed one million registered users, with quarterly trading volumes as of March 2021 of over £1 billion. As of November 2021 Freetrade has over £1 billion of assets under administration.

Maya, is a Filipino financial services and digital payments company based in Metro Manila, Philippines.

References

  1. 1 2 "About us - Everything you need to know about Confused.com". Confused.com. Archived from the original on 8 April 2024. Retrieved 24 May 2024.
  2. ↑ Reid, Lucinda (10 June 2019). "The story of Confused.com and how it continues to support tech talent in Wales". BusinessLive. Retrieved 24 May 2024.{{cite web}}: CS1 maint: url-status (link)
  3. 1 2 3 4 ""20 years at Confused.com": A deep dive into the last 20 years with Andrew Brockway, CTO". www.linkedin.com. Retrieved 2024-05-24.
  4. ↑ "Admiral acquires Inspop. - Insurance Age". www.insuranceage.co.uk. 2001-09-17. Retrieved 2024-05-24.
  5. ↑ 2020-12-30T20:03:00+00:00. "Admiral sells Confused.com to Uswitch owner". Insurance Times. Retrieved 2024-05-24.{{cite web}}: CS1 maint: numeric names: authors list (link)
  6. 1 2 "RVU Careers - Confused.com | RVU". rvu.co.uk. Retrieved 2024-05-24.
  7. ↑ Neate, Rupert (2012-11-04). "Go Compare founder could net £100m if insurance site goes for a song". The Guardian. ISSN   0261-3077 . Retrieved 2024-05-24.
  8. ↑ walker, alastair (2019-11-01). "Global: Admiral Adds Confused.com to Penguin Portals Network". insurance-edge.net. Retrieved 2024-05-24.
  9. ↑ "Louise O'Shea takes the driving seat at Confused.com". www.insurancebusinessmag.com. Retrieved 2024-05-24.
  10. ↑ "Subsidiary companies". Subsidiary companies | Admiral Group Plc. Archived from the original on 14 April 2024. Retrieved 24 May 2024.
  11. ↑ "Admiral Launches Initial Public Offering". Admiral Launches Initial Public Offering | Admiral Group Plc. 8 September 2004. Retrieved 24 May 2024.{{cite web}}: CS1 maint: url-status (link)
  12. ↑ Association, Press (2020-12-29). "Admiral to sell Confused.com to Uswitch owner for £500m". The Guardian. ISSN   0261-3077 . Retrieved 2024-05-24.
  13. ↑ PLC, Admiral Group (2020-12-29). "Admiral Group plc announces sale of Penguin Portals and Preminen comparison businesses to RVU, the comparison division of ZPG". GlobeNewswire News Room. Retrieved 2024-05-24.
  14. ↑ "Our brands | RVU". rvu.co.uk. Retrieved 2024-05-24.
  15. ↑ "Online Mortgage Broker & Advisor | Mojo Mortgages". mojomortgages.com. Retrieved 2024-05-24.
  16. ↑ "New Confused.com owner to snap up Tempcover". www.insurancebusinessmag.com. Retrieved 2024-05-24.
  17. ↑ "Confused.com launch MotorMate app to reward good drivers". The Drum. Retrieved 2024-05-24.
  18. ↑ "Confused.com app FAQs". www.confused.com. Retrieved 2024-05-24.
  19. ↑ "Confused.com: Get Organised – Apps on Google Play". play.google.com. Retrieved 2024-05-24.
  20. ↑ "‎Confused.com". App Store. 2024-05-23. Retrieved 2024-05-24.
  21. ↑ "Confused.com - Tech Stack, Apps, Patents & Trademarks". Crunchbase. Retrieved 24 May 2024.{{cite web}}: CS1 maint: url-status (link)
  22. ↑ "National Technology Awards". www.nationaltechnologyawards.co.uk. Retrieved 2024-05-24.
  23. 1 2 "Louise O'Shea takes the driving seat at Confused.com". www.insurancebusinessmag.com. Retrieved 2024-05-24.
  24. ↑ "Steve Dukes named new CEO of Confused.com". www.insurancebusinessmag.com. Retrieved 2024-05-24.
  25. 1 2 3 Stephenson, Josh (2023-11-02). "Confused.com CMO Sam Day to leave role". Marketing Week. Retrieved 2024-05-24.
  26. 1 2 Sentance, Rebecca (2021-03-24). "How Confused.com rebuilt its brand through customer insight, doing things differently and taking a long-term view". Econsultancy. Retrieved 2024-05-24.
  27. ↑ "Confused.com first UK aggregator to prevent insurance fraud at point of quote". www.experianplc.com. Retrieved 2024-05-24.
  28. ↑ "Confused.com". FinTech Wales. Retrieved 2024-05-24.
  29. 1 2 Clarke, Gina (2021-01-26). "In Profile: Louise O'Shea of Confused.com". The Fintech Times. Retrieved 2024-05-24.
  30. ↑ The Hall of Advertising (2013-01-05). Confused.com (2002, UK) . Retrieved 2024-05-24– via YouTube.
  31. ↑ Week, Marketing (2008-11-13). "Farm wins Confused.com ad account". Marketing Week. Retrieved 2024-05-24.
  32. 1 2 "Cara Confused". The Ad Mascot Wiki. Retrieved 2024-05-24.
  33. ↑ "Confused.com announces Nectar partnership with TV ad". www.campaignlive.co.uk. Retrieved 2024-05-24.
  34. ↑ "New Confused.Com ad campaign featuring Cara launched | todayinsurance.co.uk". web.archive.org. 2011-08-28. Retrieved 2024-05-24.
  35. ↑ "Brian the Robot". The Ad Mascot Wiki. Retrieved 2024-05-24.
  36. ↑ "Confused.com's Brian the robot incarnated as interactive toy in consumer giveaway". www.campaignlive.co.uk. Retrieved 2024-05-24.
  37. ↑ "Confused.com gets the Lego treatment as Brian the Robot gets ready to debut on cinema screens". The Drum. Retrieved 2024-05-24.
  38. ↑ The AdStasher (2017-01-07). Confused.com land another driver win with James Corden’s perfect park advert . Retrieved 2024-05-24– via YouTube.
  39. ↑ "Confused.com land another driver win with Corden's perfect park". www.adsofbrands.net. Retrieved 2024-05-24.
  40. ↑ "Confused.com's new CMO drops James Corden from ads and restructures marketing team". The Drum. Retrieved 2024-05-24.
  41. ↑ "Confused.com - Confusion To Clarity". Clios. Retrieved 2024-05-24.
  42. ↑ "Confused.com Is Back with Another Mind Tickling Confusion Campaign Spot | LBBOnline". lbbonline.com. Retrieved 2024-05-24.
  43. ↑ "Confused.com "The Confused.comics" by Accenture Song UK". www.campaignlive.co.uk. Retrieved 2024-05-24.
  44. ↑ "Ad of the Day: Leo Burnett's first spot for Confused.com is a joyous whistle-along". The Drum. Retrieved 2024-05-24.
  45. ↑ "The True Depth of the UK's Pothole Problem". Don't Panic!. Retrieved 2024-05-24.
  46. ↑ Members' Business: The Condition of Scotland's Roads | Scottish Parliament TV . Retrieved 2024-05-24– via www.scottishparliament.tv.
  47. ↑ "Confusion to Clarity". Aoife McArdle. Retrieved 2024-05-24.
  48. ↑ "Campaign Power 100: Top five in finance". www.campaignlive.co.uk. Retrieved 2024-05-24.
  49. ↑ "European Search Awards Previous Winners". web.archive.org. 2015-03-16. Retrieved 2024-05-24.
  50. ↑ "Site of the Year 2013 - UK Category Winners". web.archive.org. 2014-03-02. Retrieved 2024-05-24.
  51. ↑ "Site of the Year 2013 - UK Category Winners". web.archive.org. 2014-03-02. Retrieved 2024-05-24.
  52. ↑ stuart.smith (2013-12-02). "2013/14 Personal Finance Awards Winners Announced!". What Mortgage. Retrieved 2024-05-24.
  53. ↑ "Wayback Machine". web.archive.org. 2014-03-06. Retrieved 2024-05-24.
  54. ↑ "Canmol | 2012 Winners". web.archive.org. 2014-02-18. Retrieved 2024-05-24.
  55. ↑ "2017 Winners - South". PRmoment Awards. Retrieved 2024-05-24.
  56. ↑ "The Drum Search Awards launch for 2019: six campaigns you should revisit". The Drum. Retrieved 2024-05-24.
  57. ↑ "The True Depth of the UK's Pothole Problem". Don't Panic!. Retrieved 2024-05-24.
  58. ↑ "2019 Fintech Awards Wales Shortlist & Winners". Fintech Awards Wales 2024. Retrieved 2024-05-24.
  59. ↑ "Effie". www.effie.org. Retrieved 2024-05-24.
This page is based on this Wikipedia article
Text is available under the CC BY-SA 4.0 license; additional terms may apply.
Images, videos and audio are available under their respective licenses.