Situated on 35 acres of iconic Jackson Hole ranchland with Teton, Gros Ventre and Snake River range views, the architecture rests lightly on the land, meeting the homeowners' desire for a "Frank Lloyd Wright meets the West" style suitable as both a permanent current residence for the couple and their four children and a timeless heritage estate for generations to come. A deeply personal art collection spanning more than 300 pieces informed both architecture and interiors. "Every decision we made complements it," says WRJ Design co-owner and design director Rush Jenkins, whose team on the project included design lead Sabrina Schreibeis and designer Ashton Horner. Jenkins drew on his early pre-WRJ career as director of design at Sotheby's New York to "create interiors where furnishings and décor are in clear dialogue with the artworks, which draw you forward, with a surprise around every corner.". "The home's palette is largely a master class of soothing neutrals, with select zings of color," writes LUXE. "This helps to accentuate that every object within is a study in craftsmanship selected as a worthy companion to the artwork." At the same time, the home exemplifies WRJ Design's trademark ability to create luxurious bespoke interiors in a comfortable, unfussy way that lives up to the everyday demands of a busy and active family

Changing attitudes to credit and financial uncertainty, are driving new levels of consumer debt in the UK. James Hill, CEO of Flexys, explains how it’s using open banking to tackle and prevent defaultsDebt levels are rising fast as cost of living pressures persist, with new accessible forms of credit playing an increasing role in people’s everyday financial interactions. As debt spirals, so, of course, do defaults.This has prompted a more sophisticated approach to debt recovery that leans into the developing open banking landscape and the ‘always-on’ nature of the digital economy. Credit isn’t inherently bad. It can be used for major life expenses, such as a wedding or a new car, that may otherwise be unaffordable.The problem is, more and more people are becoming reliant on it. Recent figures fromthe UK’s Office for National Statistics (ONS) reveal that in 2025, a fifth (21 per cent) of UK adults reported borrowing more or using more credit compared to a year ago.“Their view of debt has changed significantly,” says James Hill, CEO of Flexys, which provides collections management technology, rooted in real-time insights.“More innovation has prompted different financial products that are now available to them at the point of sale

Hyper-personalised communication from your bank can be transformative – for it and you. So why are some of them still spamming us? Here, Meniga and Boston Consulting Group advocate for targeted commsMost of us will have received them – notifications on our banking app that are annoyingly irrelevant.The travel insurance offer that lands just as you do… on your return home. The cheerful message that ‘you’re eligible for a loan’ within days of taking one out with the very same bank.Such unsophisticated, impersonal interactions between banks and their customers don’t endear us to them.And if banks are serious about evolving from being merely transactional services providers to becoming your money-savvy best mate, then they need to sharpen up. A recent survey by Accenture found that although 72 per cent per cent of customers say personalisation influences their choice of bank, only three per cent actually use personalised tools offered by their main provider, leading the authors to conclude that: ‘there’s a clear disconnect between what customers want and what banks think they want’.“Too often… budgeting tools and automated alerts – think tailored offers or next-best actions – are coming across as impersonal and standardised, missing an opportunity for true connection in their delivery,” they added.It’s a message echoed by Meniga, a global leader in digital banking technology, which works with more than 170 banks across more than 35 countries to help them provide their customers with hyper-personalised financial management services.Meniga, which was founded in Iceland in 2009 but since 2016 has had headquarters in London, created a digital banking engagement playbook for its clients, which consists of three core tenets: turn your data into value; hyper-personalise the banking experience; and harness gamification to build habits.Stressing the vital importance of doing so, Raj Soni, Meniga’s CEO, says: “The traditional banks need to seriously transform their digital and online banking capabilities, and also capitalise upon the vast amount of user data that they have, and which neobanks do not have, to create super-hyper-personalised dynamic experiences and engagement for customers. That adds real value.”Citing a personal example, he continues: “A few months ago, I was positively surprised when I received a notification from my bank that I had been spending far too much money on FX and foreign currency-related charges, when I was travelling, using my existing credit and debit cards.“And I was also positively surprised to get a proposition for a multi-currency credit card, which would allow me to hold various currencies and use that specific card as I commute across the world for my different business and personal needs.“This is a perfect example where a bank, knowing me as an individual, and having access to my data, added real and tangible value with a very personalised offer.”Michal Panowicz, Managing Director and Partner at the London office of Boston Consulting Group, which helps its banking clients drive digital transformation and works with Meniga, would agree with that. But he doesn’t see it happening nearly often enough – and certainly not in the countries you’d expect.“The best digitally developed markets are not in the US or the UK – which are financial and technology centres – but in Spain, Turkey, Poland, India