Joe Phelan, Kennebec Journal Journalist Profile

Articles

Cyber attack crisis comms: What small businesses should (and shouldn’t) do next

1 week ago | money.co.uk | Joe Phelan

No business is too small to be a victim. And, should the worst happen, how you communicate - what you say, how quickly you say it, and who you say it to - in the hours and days that follow can make or break your business’s reputation. It isn’t just about damage control; it’s about showing leadership, earning trust, and reassuring customers, staff, and stakeholders that you’re taking the situation seriously, that you have a plan in place, and that you’re actively working to resolve the issue.
Fraud, hacks and data leaks: Is your small business really covered?

2 weeks ago | money.co.uk | Joe Phelan

Cybercrime is not a problem confined to multinationals or high-profile tech firms. SMEs across the UK are increasingly in the firing line, and many don’t even realise it until it’s too late. According to the UK Government’s Cyber Security Breaches Survey 2025, 43% of UK businesses and 30% of charities experienced a cyber breach or attack in the past year. The nature of the attacks is evolving fast, with phishing and impersonation attempts still the dominant threats.
Best instant access business savings accounts

2 weeks ago | money.co.uk | Joe Phelan |Lucinda O'Brien

Compare instant access business savings accountsFind the right fit for your cash flow. What is an instant access business savings account? An instant access (sometimes referred to as easy access) business savings account allows businesses to deposit and withdraw funds at any time, without prior notice or restrictions. These accounts provide quick, convenient access to your money, making them ideal for businesses that need to manage short-term cash flow fluctuations or build an emergency fund.
The UK’s enduring love affair with small businesses - and why it matters for retail entrepreneurs

3 weeks ago | money.co.uk | Joe Phelan

The UK has long been a nation defined by its small businesses. With 5.5 million SMEs making up over 99% of the business population, it’s no wonder they’re routinely referred to as the backbone of the economy. Among them, retail stands as a particularly vibrant sector, full of potential and opportunity for entrepreneurs looking to make their mark.
How finance can help UK SMEs stay ahead on sustainability

1 month ago | money.co.uk | Joe Phelan

New research from energy services provider Equans has revealed that 94% of UK industrial SMEs that have started decarbonising are doing so through a formalised framework. This is significantly higher than the European average of 80%, underscoring the fact that UK businesses are taking structured, measurable, proactive steps toward achieving net zero. This is more than just a box-ticking exercise.
Compare our best business credit cards for startups 2025

1 month ago | money.co.uk | Joe Phelan

We are classed as a credit broker for consumer credit, not a lender. Editorial policy: we create content directly for our customers, so you are always at the centre of every decision. Our aim is to be accurate, up to date and unbiased. We will never write content that’s been swayed by commercials. Customer ReviewsRated 4 out of 5by 1,070 peopleChecked mortgage rates with this company and found site really easy to navigate and compare. Will definitely revisit when my mortgage comes up for renewal.
How bookshops are writing a new chapter for UK small businesses

1 month ago | money.co.uk | Joe Phelan

Not long ago, the independent bookshop looked destined for extinction. Hammered by online giants and squeezed by rising rents, many believed local bookstores were on their last legs. But, fast forward to 2025, and bookshops aren’t just surviving – they’re thriving. In the past six years alone, the UK has welcomed nearly 200 new independent bookshops to its high streets. It’s a remarkable comeback story.
What is causing the Gen Z employee exodus?

1 month ago | thehrdirector.com | Joe Phelan

Following reports that almost two-fifths of Gen Z plan to leave their jobs, a new study has revealed what managers need to know to motivate different generations of employees.1The survey of 1,000 UK workers* reveals the type of management style that different generations respond best to in the workplace – with the youngest generation of workers set to influence change. Most effective management styles for different generations: Which leadership style do you respond best to in the workplace?
Tariff uncertainty: How UK small businesses can take back control

1 month ago | money.co.uk | Joe Phelan

Tariffs aren’t new. Countries have been using them for centuries to control trade, protect homegrown industries, and collect revenue. But over the past few months, tariffs have been pushed to the top of the news agenda, largely thanks to U.S. President Donald Trump and his economic strategy. So, what exactly are tariffs, how do they work, and what can you do to protect your business from their effects? A tariff is, at its core, a tax on goods crossing borders.
Should your business go cashless? Pros, cons and costs

2 months ago | money.co.uk | Joe Phelan

In an increasingly digital economy, many UK small businesses — especially those that deal directly with customers — are rethinking how they take payments. With contactless card payments, digital wallets, and QR codes now commonplace, the idea of going completely cashless may seem like a logical next step. But is it the right move for your business?