NS&I Big Data and the WOPR Problem?

Dominic Thomas 
Post written: March 2026  •  Published: July 2026
3 min read

NS&I Big Data and the WOPR Problem?

Adapting to the new world is far from straight-forward and NS&I are yet another publicly humiliated organisation that has failed to migrate data to a new system, costing billions. These sorts of problems are common and normally don’t come to light in the private sector, unless there has been a GDPR data breach.

Getting your money into someone’s system is easy, getting it out often isn’t as simple as it could be. That’s why when we review who we use to hold your investments we consider what is required. Customer service is something that is overlooked when assessing solutions, yet can become a significant barrier.

In order to provide “better” (cheaper) services to their millions (250m) of customers, NS&I undertook a £2bn Business Transformation Programme in 2020 to modernise their systems. Two years into the project red flags were all over the place, signalling that it would be unachievable, so in 2024 they rebooted the project and over £1.3bn more has been required. It certainly seems that the project is still unlikely to be delivered before 2028 and the Committee of Public Accounts have, I think it fair to conclude, torn the management team of NS&I to shreds, noting weak controls, poor and delayed decisions and frankly a naïve lack of understanding of the complexity of the issues. They are still not of the view that NS&I really are up to the task or owning the scale of the problem.

Most of us have a soft spot for the old Post Office, trusted by many families for generations. Sadly, sentiments are not the way to assess service, which is shaped by experience.  Unfortunately, my experience of NS&I isn’t terribly good. Not too long ago they offered advisers the opportunity to digitally connect with client accounts, we have had minimal success with this, but honestly, it’s been something of a nightmare, with links and passwords not working. Registration processes have been awful.

You probably have seen in the news in late March that NS&I have made so many blunders that they are now in the position of having to pay significant compensation to savers whose accounts seem to be either inaccurate or missing.  At the time of writing, there is nothing on NS&I’s website that even mentions the debacle.

Remember that NS&I are basically a front for HM Treasury to raise funds from the public safely; using the money to fund capital projects in the country. Essentially, you are lending your money to the Government.

If you have NS&I products, Premium Bonds, Savings Certificates, Cash ISA etc, please get in touch and we will attempt to include these in our reports to you and will hopefully provide you with additional support should you experience problems with them.

Here is a reminder of the dramatic warning about data security that many of us received over four decades ago in 1983 when a student (Matthew Broderick) hacked the NORAD defence system WOPR (War Operational Plan Response) in the film War Games. The issue isn’t really the technology, but the lack of good human thinking.

(War Games (1983), Directed by John Badham, Starring Matthew Broderick, Ally Sheedy and John Wood Produced by United Artists)

Let us know about your NS&I Accounts.

References:

Public Accounts Report Feb 2026: https://committees.parliament.uk/publications/51662/documents/286154/default/

NS&I Transformation Programme: https://committees.parliament.uk/work/9280/nsis-transformation-programme/

NS&I Board: https://nsandi-corporate.com/governance/who-we-are

NS&I Prize Checker: https://www.nsandi.com/prize-checker

War Games (1983): https://www.imdb.com/title/tt0086567/

What we do: https://www.solomonsifa.co.uk/what-we-do/

Have a question or feedback about this article?

Please share this with a friend

NS&I Big Data and the WOPR Problem?2026-07-03T11:54:26+01:00

How About Some Actual Intelligence?

Dominic Thomas
Post written: March 2026  •  Published: June 2026
2 min read

How About Some Actual Intelligence?

It’s evident to anyone who has ever read a book without pictures, that the majority of world leaders are some of the most inept and corrupt people available from the 8.3 billion alive. There is a category of small-town fool that used to be the exception rather than the rule. Yet, here we are, all older, wiser, more politically aware of our choice of words and yet the United States is run by some of the most foolish people to self-identify as ‘leaders’. What I am always surprised by is the way that they are believed, followed and adored.

I know a number of you have enjoyed the deliberately slow pace of a barge holiday and some even own one, so I thought I’d share a true story that I learned recently which highlights the condition of blind faith.

A man had planned a family holiday on a barge, he had done some investigation into his route using ChatGPT (software) about the vessel, the route and the locks that he would encounter. He met with Ben, a young man who has been working on barges for some time and despite his youth was skilled in operating, maintaining and repairing a barge and was very familiar with the local canal network.

The man, wishing to display his newfound knowledge, asked about the route to the beautiful Roman city and drew attention to a stretch of five locks along the way. This seemed to make him anxious about the additional “work” and delay that it would cause him. Ben reassured him that it would take far longer, two days longer, to reach the first lock and this would be a small challenge, easily mastered and this would provide him ample confidence to tackle each of the remaining locks which were very similar and actually many hours and in some cases days apart.

He would not accept the young expert’s advice or reassurance, preferring to draw out his mobile phone and asking it for advice to go in the other direction. Ben listened, aghast at the nonsense that ChatGPT provided, listing obstacles and warnings that were in either in the wrong order or completely false. The man would not listen, choosing to rely on and believe the accuracy of his own ‘pocket expert’. Despite protestation and warning, Ben reluctantly bid him and his family farewell as they set off confidently in the wrong direction for their week long barge holiday.

In this age of individualism, it seems that many are happier turning to the ‘expertise’ of artificial intelligence, and placing a high degree of trust and confidence in the output. They fail to appreciate that artificial intelligence is largely pattern recognition software, cobbling together stolen (“scraped”) information from the web. We have begun to see the errors of this within financial planning already. Of misplaced faith in the ‘answers’ and lack of real understanding of the risks involved, creating a disastrous combination of confidence (and fear) in all the wrong elements. This is not simply going to create a minor delay or deviation, but a completely different result from the one intended, both much more expensive and disappointing.

Your financial plan is unique to you, based on your values, resources, skills and desired outcomes. This is what we have trained for, what we do all day long and have gained decades of experience at; meeting and helping countless people all trying to navigate their own financial journey. We may not be physically with you throughout every inch of your journey, but our skill is helping plot it, course correct, maintain and refuel, knowing when to put to harbour and when to set sail, to assess the conditions sensibly to minimise anxiety rather than to watch you head off in the wrong direction because of something you heard on the news, in the paper, online, in the pub or around your dining table or worse, from your phone. Beware of artificial intelligence, embrace and seek actual intelligence, or expertise, in a world that is complex.

References:

The Limitations of ChatGPT with Emily Bender: https://www.radicalai.org/chatgpt-limitations

The AI Con by Emily Bender: https://www.worldofbooks.com/en-gb/products/ai-con-book-emily-m-bender-9781847928610

Canals of Britain: https://canalrivertrust.org.uk/canals-and-rivers

History of Britains Canals: https://www.historic-uk.com/HistoryMagazine/DestinationsUK/The-Canals-of-Britain/

Inland Waterways Charity: https://waterways.org.uk/about-us/the-charity

What is financial planning: https://www.solomonsifa.co.uk/what-we-do/

Refer us: https://www.solomonsifa.co.uk/refer-us/

World Population: https://www.worldometers.info/world-population/

Have a question or feedback about this article?

Please share this with a friend

How About Some Actual Intelligence?2026-06-17T19:02:39+01:00

When did Bringing Up Baby get political?

Dominic Thomas
Post written: March 2026  •  Published: May 2026
4 min read

When did Bringing Up Baby get political?

I was intrigued by a headline in the New Scientist “The Real Reason Birth Rates Are Declining Worldwide”. We are all aware that this has become a rather politicised topic, particularly amongst the right wing, who when pushed want to tax women who don’t have children and make it harder for mothers to work, instead staying at home to raise the children. A return to the archetypal post-war era and infused with regressive politics, religious ‘doctrines’ and patriarchy, all dressed up as “traditional family values”.

The declining birth rate is an important issue in the context of a world population approaching 8.3 billion. As populations age, the theory is that elderly people need more care and medical help, which is increasingly expensive and invariably paid by the State (taxpayers). This impacts Government tax policy and planning. The increase in life expectancy places further pressure on the durability of State pensions, which whilst to some extent paid for whilst working, are generally paid from current taxes, not previous ones. Whilst your State Pension is a record of your National Insurance contributions, that is all it is, there is no pot of savings, merely an account of what you paid and the theory of what you are entitled to. An ageing population also means reduced available housing stock.

These issues have an impact on us all, but particularly on younger people who struggle to find work well paid enough to get themselves onto the property ladder. Unlike most of us, they also had to take on student loans to get a Degree (or two) which increases their personal tax rate by 9%. These very real and practical challenges mean that notions of starting a family often make little financial sense, but it’s dangerous to make too many generalisations. The reasons behind the delay are more nuanced, according to Paula Sheppard (lecturer in Evolutionary Anthropology) from her research at Oxford University.

Global birth rates were 5.1 in the 1960s but have fallen dramatically to around 2.3 today. In Europe it is much lower, at 1.4 to 1.6, even lower in Japan (1.2) and South Korea (0.75). The required ‘replacement rate’ is 2.1 babies per woman.

Sheppard’s research poses the question, “why are people deferring having children?” we may all be able to cite plenty of reasons, but this is research, evidence and data on a grand scale and then subject to interrogation, nuance and insight.

It would seem that much of the research to date leads to the need for secure relationships, University educated women tend to want their partner to be more hands on in the joint care of children and to have a degree of financial security. This cuts to the rub of that “work/life balance” thing, a terrible phrase and somewhat lacking meaning. However in essence, this is about the need for flexible work for both parents. For others housing, or more accurately, good housing in a community with good schools is important.

It is the full time job of politicians, particularly the nasty ones, to conflate these issues rather than consider them methodically. Pointing at problems and blaming it all on the changes in society since the war. The world has moved on, sadly a lot of people have not. Change is invariably frightening and used as a tool to elicit your vote.

What Sheppard points out in her piece in NS, is that predictions from data are invariably fraught with problems. Fertility rates had been ‘worryingly’ low before WW2, we then had the unpredictable ‘baby boom’.

What remains clear is that people will continue to defer having children whilst housing and finances remain substantial challenges.

For your amusement – the trailer for the film Nine Months (1995) Directed by Chris Columbus starring Hugh Grant and Julianne Moore. The actors were both 34 at the time of filming.

Your Feedback & Any Questions:

Email to [email protected] with the blog Post Title in the Subject Line

Please share this with a friend

When did Bringing Up Baby get political?2026-05-18T08:42:03+01:00

What profits?

Dominic Thomas
March 2026  •  3 min read

What profits?

I wonder if you have seen the recent BBC series Small Prophets written and directed by MacKenzie Crook. To be honest, I’m usually very wary of “written and directed by” – often it’s not a good combination, but here Crook has built upon the charming Detectorists (2014-2022) to deliver another feel good, amusing and poignant comedy that will leave a smile on your face.

This is a tale of the extraordinary in the very ordinary, an exploration of grief and hope, with a dash of wry wit and some daft divine magic. I won’t spoil the plot as it’s a series with a probable follow up.

In essence Michael Sleep (Pearce Quigley) is living with the knowledge that the love of his life, Clea, has disappeared. Most presume she took her own life with her car being found on the Severn bridge. He is waiting for her return as he goes about his mundane, ordinary life as a member of staff at the local DIY superstore. He visits his father Brian (Michael Palin) each day who is now living in a local care home. Apples don’t fall far from the tree, both are curious and have sharp minds, though Brian’s is now failing him.

Brian has the ludicrous certainty that he can grow truth-saying spirits (Homunculi) in a jar of rainwater, who have to speak truth. This, Brian asserts, will lay to rest the question of Clea’s mortality. The fantastical is set against the backdrop of the plainly defiant ordinariness of a fairly bland life. Yet we quickly witness many moments of magic in the ordinary and are reminded of our humanity and ability to connect and relate to one another with grace, patience and goodwill.

The contrasting lives and experiences are set against one another, the minimalist nosy neighbour who can barely tolerate Michael’s chaotic overgrown garden. The ‘brother-in-law’ who has lost everything as an adult, yet can find his childhood being restored. The lost treasure within our clutter. The hopes of superstore staff who dream of careers whilst serving others intent on their own DIY, most being oblivious to all that is in front of them (bucket scene) and missing the mystery and magic within the ordinary.

So what? It is so easy for us to forget the basics of life, to connect and be connected, to pause, to think and to thank. The talent and skill of genuinely caring. To be curious and to allow our curiosity to explore the mundane to the mystical. It reminds me of what I sometimes hear from clients “we have a fairly ordinary modest lifestyle” as though I may judge your life choices or maybe perhaps you aren’t sure if you are quite rich or ambitious enough.

The point of great financial planning is to live on your terms, not those of others. Whilst it may not be mathematically ‘best’ to repay your mortgage, the sense of liberation felt by doing so is priceless for many. To be able to live and give generously, on your own terms, without strings attached and to be able to see your legacy taking shape during your lifetime. These are things that are ordinary yet deeply fulfilling and are the true profits of a rich life.

The short 6-episode series, which I watched on the BBC iPlayer was a great way to end an evening, that may otherwise have been punctuated by a stream of “nothing good” on social media. I agree with those who gave it the high score of 8.5/10 on IMDB. Here is the trailer.

What profits?2026-03-27T15:01:26+00:00
Go to Top