The number of IVAs was higher than both January 2026 and the 2025 monthly average. Bankruptcies were 25% higher than in February 2025, although numbers were affected by the clearing of a backlog following the Insolvency Service moving to a new case management system.
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Shiller said he hasn’t studied the particular examples mentioned by Kessler, but agreed in theory that it sounded similar. “I’d also mention that those credit card companies are doing personalized pricing as personalized coupons.” In graduate school, he added, he studied the video-game and music markets and saw commonalities.
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