Armidale

Strategy / Governance / Execution

Strategic insight.
Practical execution.

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Armidale advises leadership teams on strategy, governance and high-impact change across telecom, fintech and digital businesses. We bring decades of executive experience to help clients identify the right moves and deliver them effectively.

What we do

Perspectives

Industry leading research from the Armidale team.

Cover of India Consumer Scam Report 2026: Permission Granted, Cases Still Open

Consumer scams·October 2026

India Consumer Scam Report 2026: Permission Granted, Cases Still Open

87%

of Indian consumers are comfortable with their bank or financial provider using their data to detect fraud, yet a third of reported scam cases end unresolved

Written with GSMA, drawing on our own survey of Indian adults. Indian victims take their case to an organisation more often than victims in any of the six ASEAN markets surveyed, and consumers grant institutions wide permission to use their data to detect fraud. A third of reported cases still end unresolved, and 67 per cent of victims who lost money recover nothing.

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Cover of Nobody Answers Any More: The Largest Cost of Scams Is Carried by People Who Were Never Scammed

Consumer scams·September 2026

Nobody Answers Any More: The Largest Cost of Scams Is Carried by People Who Were Never Scammed

56%

of consumers in Southeast Asia avoid inbound contact or transactions because of scam concerns, and those never scammed match the rest to within a point

Armidale research. Every official record of fraud counts the money taken from victims and leaves out the larger cost: the calls left unanswered, the purchases abandoned and the genuine alerts deleted by people who were never scammed. That cost lands on every legitimate business that needs to reach a customer, and no government publishes it.

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Cover of The Permission Nobody Used: Twenty-Five Years of Safe Harbour, and the Risks It Left in Place

Consumer scams·September 2026

The Permission Nobody Used: Twenty-Five Years of Safe Harbour, and the Risks It Left in Place

4.2 million

frauds in England and Wales in the year to March 2025, close to half of all crime measured, with no competition guidance of their own

Armidale research. The United States and the United Kingdom both gave firms a safe harbour to share what they know about fraud, and in both cases the sharing did not follow. Both statutes removed the risk that was easy to remove, left one in place deliberately, and never addressed a third at all.

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All research
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What we do

We advise on the decision, then stay accountable for the delivery.

Strategy and growth

Where to play and how to win across APAC.

Governance and risk

Decisions that stay defensible under scrutiny.

Execution and delivery

Turning the decision into the outcome.

How we work

The firm

Senior people, doing the work.

Armidale was founded by operators from global telecom, fintech and technology businesses. We have held the roles our clients hold, carried the same accountabilities and answered to the same boards.

About the firm
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