Expanding a business globally used to feel like a slow, decade-long slog. Today, digital platforms let us flip a switch and reach customers in Sydney or Stockholm overnight.

But here is the catch: if you are operating in a regulated space—think fintech, healthcare, or gaming—that “switch” is attached to a mountain of legal paperwork and local hurdles. You simply can’t move fast and break things when the things you might break are national laws.

The Agility Paradox in Tight Markets

Scaling across borders is a massive feat, but if you’re playing in a heavily regulated field, you need a strange mix of speed and an almost total obsession with the rules. Lottoland has shown that the trick to growing fast without getting shut down lies in a “decentralized yet unified” approach—adapting the core product to meet local licensing requirements and cultural nuances without breaking the underlying tech. By investing in a modular tech stack that can quickly integrate regional payment gateways and regulatory reporting tools, they manage to move faster than traditional competitors. For UK entrepreneurs looking to export their services, the Lottoland model proves that entering a regulated market isn’t just about following rules; it’s about building a system where compliance is the engine itself, not a weight holding you back.

It sounds counterintuitive, doesn’t it? Usually, we think of “compliance” as the department that says “no” to every cool new idea. But when your tech is built to be modular, compliance becomes a plug-and-play feature. If a country changes its data privacy laws, you don’t need to rewrite your whole codebase; you just swap out a module.

Local Friction is a Reality

Let’s be honest: no two regulators think alike. You might have a green light in London, but find yourself stuck in a yellow-light purgatory in Berlin or Rome. This is where the human element of scaling comes in. You need local boots on the ground who actually understand the “vibe” of the local regulator. Are they sticklers for specific documentation? Do they prefer a certain reporting cadence?

The ground moves fast. For instance, consider how different regions handle consumer protection. Take the issue of gambling on credit; the Swedish government is currently closing all remaining loopholes to address consumer debt, effectively tightening the screws on how operators function. If your system isn’t flexible enough to pivot for a specific Swedish rule in a matter of weeks, your expansion is going to hit a wall. This kind of sudden legislative shift is becoming the norm, not the exception, across Europe and beyond.

Infrastructure as a Safety Net

Ultimately, the winners in this decade aren’t the ones with the loudest marketing, but the ones with the most resilient “plumbing.” This means moving away from monolithic systems toward microservices. It means hiring compliance officers who actually enjoy the puzzle of international law. It’s tough, and honestly, it’s often quite expensive at the start. But the alternative? A single fine that wipes out your year’s profits.

How is your business handling the balance between speed and safety? Do you think the UK is doing enough to help small firms navigate these international rules? Drop a comment below and share your experience.

The housing market has cooled off this winter with the annual pace of home price growth easing to levels unseen since the nation was recovering from the Great Recession. And while some areas continue to see strong price growth, others have seen notable declines.

New data from Cotality, a data analytics and tech company in the real estate, mortgage and insurance industries, showed that annual housing price growth slowed to just 0.9% in December, which was one of the softest rates since the post-Great Recession recovery.

“We are seeing a significant departure from the rapid surges of recent years; while the upward pressure on prices remains, the momentum has moderated enough to suggest that the market is finally becoming more navigable for prospective buyers,” said Cotality Chief Economist Selma Hepp.

HOMEBUYERS GAIN UPPER HAND IN 3 MAJOR CITIES AS INVENTORIES GROW

Home prices have declined in several key areas across the South and West, particularly in areas that had previously seen rapid expansion as in-migration trends moderate and inventory levels increase.

Workers build homes in the Bridgeland master-planned community in Cypress, Texas, Nov. 10, 2025. (Brett Coomer/Houston Chronicle via Getty Images)

Cotality’s report found that the local housing market with the steepest declines was Kahului-Wailuku, Hawaii, with prices down 8% in December on a year-over-year basis.

The Lone Star State had a pair of localities in the top 10, with Victoria, Texas, down 7.4% and Wichita Falls, Texas, down 7.2%.

Napa, California, had the steepest decline among West Coast localities, with prices falling 7.1%.

THE ‘POISON PILL’ AND DIGITAL SECRETS FLIPPING THE SUNSHINE STATE’S CONDO POWER DYNAMIC

Florida had five communities represented in the top 10 localities with the steepest price declines, led by Naples (-6.8%), Punta Gorda and Cape Coral (-6.2% each), North Port (-5.9%) and Sebastian (-5.2%).

Rome, Georgia, rounded out the top 10 with a 5.2% year-over-year price decline.

The hottest housing market identified in Cotality’s report was Youngstown, Ohio, which saw prices surge 15.9% over the last year.

THESE STATES ARE CONSIDERING ELIMINATING PROPERTY TAXES FOR HOMEOWNERS

Four of the hottest markets were in the state of Indiana, led by national runner-up Terre Haute’s gain of 11.4%. Other Hoosier State metros with notable price rises were Columbus and Muncie, with 10.2% gains each, and Kokomo’s 8.8% increase.

Illinois was home to a pair of housing markets with strong price growth, as prices in Decatur rose 10.5% and Peoria 8.9%.

Naples, Fla., was one of the 10 communities with the steepest home price declines. (Lisette Morales McCabe/Bloomberg via Getty Images)

Two other markets in the Midwest and Plains were in the 10 hottest markets, with prices up 8.7% in Manhattan, Kansas, and 8.5% in Traverse City, Michigan.

The hottest housing market in the South was in Hattiesburg, Mississippi, which saw prices rise 8.4% over the last year.

GET FOX BUSINESS ON THE GO BY CLICKING HERE

“As we move through 2026, the market’s trajectory will depend heavily on wage growth and how soon buyers regain the purchasing power needed to meet sellers’ pricing thresholds. For now, Cotality data shows a housing landscape is still finding its footing, but it is ultimately stabilizing after an extended period of imbalance,” Hepp said.

Fox News Digital’s Amanda Macias contributed to this report.

This article was written by

Follow

Saks Global Enterprises said Tuesday it will close nine stores as it shifts its focus to more profitable locations.

The company said eight Saks Fifth Avenue locations and one Neiman Marcus store will close.

“By optimizing our operational footprint, we will be better positioned to deliver exceptional products, elevated experiences and highly personalized service across all channels, while simultaneously positioning our company to make investments that enable long-term growth and value creation,” Saks Global Enterprises CEO Geoffroy van Raemdonck said in a statement.

Shoppers leave a Saks Fifth Avenue store Dec. 30, 2025, in Chicago. (Scott Olson/Getty Images)

SAKS GLOBAL FILES FOR BANKRUPTCY AFTER $2.7 BILLION NEIMAN MARCUS ACQUISITION DEAL 

Saks Global Enterprises filed for Chapter 11 bankruptcy protection in mid-January in the U.S. Bankruptcy Court for the Southern District of Texas after missing a $100 million interest payment in December, adding to mounting debt obligations. 

Saks will ask a U.S. bankruptcy judge to approve the nine store closings at a court hearing Friday, the company said in a court document filed Tuesday.

After the filing, Saks Global announced it secured a financing commitment of approximately $1.75 billion backed by senior secured bondholders and asset-based lenders to support operations during the restructuring. 

Holiday shoppers walk outside the Saks Fifth Avenue flagship store in Manhattan in New York City Dec. 5, 2023.  (Reuters/Mike Segar/File Photo / Reuters Photos)

CONSUMER CONFIDENCE PLUNGES TO LOWEST LEVEL IN MORE THAN A DECADE

Saks Global announced last month that most Saks Off 5th locations across the U.S. would close, just weeks after its bankruptcy filing.  

The luxury retailer closed 23 of its Saks Off 5th stores Feb. 2, while another 34 held closing sales starting at the end of January. Only 12 locations in New York, Florida, New Jersey, Georgia, California and Texas will remain open.

MOST SAKS OFF 5TH LOCATIONS NATIONWIDE TO CLOSE AMID BANKRUPTCY PROCEEDINGS

Shoppers enter the Saks Fifth Avenue store on Fifth Avenue in New York Nov. 27, 2020. (Gabriela Bhaskar/Bloomberg via Getty Images / Getty Images)

Here’s which Saks Fifth Avenue stores are closing:

The Summit – Birmingham, Alabama

Polaris Fashion Place – Columbus, Ohio

American Dream – East Rutherford, New Jersey

Shops at Canal Place – New Orleans, Louisiana

Bala Plaza – Philadelphia, Pennsylvania

Biltmore Fashion Park – Phoenix, Arizona

Stony Point Fashion Park – Richmond, Virginia

Utica Square – Tulsa, Oklahoma

Here’s the Neiman Marcus store that’s closing:

Copley Place – Boston, Massachusetts

GET FOX BUSINESS ON THE GO BY CLICKING HERE

FOX Business’ Greg Norman and Reuters contributed to this report.

Berkshire holds stakes in Itochu, Marubeni, Mitsubishi, Mitsui and Sumitomo.

The firms operate in a wide range of businesses, in areas such as chemicals, agricultural commodities, mining and consumer products.

Itochu stock was roughly flat Monday, but the others added between 3% and 5.3%—with each of the four notching new record closing highs, according to Dow Jones Market Data.

Berkshire first revealed it had taken positions in the quintet in August 2020, though stake building started about a year earlier. It has subsequently increased those holdings.

Since Berkshire first disclosed that it was investing in the trading firms, their shares have gained between 280% and 832%.

This article was written by

Follow

“We expect implied volatility to pick up again,” Goldman Sachs’ Karen Fishman writes. She expects the USDJPY to move “towards and through 160.” In such a scenario, intervention risk rises. She expects markets “to proceed cautiously against elevated risk of intervention, but that can only last for so long.”

The Liverpool-based nutrition company, backed by JD Sports, has reported growth in sales since launching shares on the London stock markets in 2024

Coleen Rooney has increased her investment in Applied Nutrition as the wellness company seeks to appeal to a broader range of consumers, including working mothers.

The television personality and wife of former footballer Wayne Rooney has substantially increased her stake in the business, the firm confirmed. It is understood that Mrs Rooney has approximately doubled her holding, which remains beneath the 3% threshold that would require a publicly listed company to declare it to the London Stock Exchange.

The Liverpool-headquartered firm, which also counts retailer JD Sports amongst its backers, floated on the London stock markets in 2024 and has recorded sales growth since then.

Mrs Rooney was amongst the investors in the company’s flotation following her appointment as a brand ambassador for the group, though the exact size of her stake has never been publicly disclosed.

She is also the face of a range of products for Applied Nutrition, including collagen and powders designed to support sleep, immunity, hydration and reduce bloating.

Her participation has enabled the company to reach a wider demographic of customers, given that the sports nutrition sector is traditionally perceived as a more male-dominated industry.

Coleen Rooney said: “Nutrition and supplements have always been an important part of my fitness regime and had included Applied Nutrition products for many years before having the opportunity to create my own range. I am delighted with the range we have created together and look forward to expanding the range further.

“Combining a healthy lifestyle with exercise helps me feel good about myself and provides the energy required for a busy mum of four boys especially now that I have gone back to working on several projects and opportunities.

“Alongside being an ambassador for the business, I had the opportunity to invest in the company and couldn’t be happier with my decision as the business continues to grow. I am excited about the future of the company as it expands into new markets and products and have decided to invest further.

“I look forward to continuing to work alongside the board and the rest of the team and to be a part of the company’s future success.”

Applied Nutrition’s chief executive Thomas Ryder said: “Coleen embodies everything we are about – focus, passion for wellness and a commitment to the journey, as illustrated by her increasing her shareholding. Coleen has played an important role in broadening our customer base and increasing brand awareness among a wider, health-conscious audience.

“It is particularly rewarding to work alongside someone who is as passionate about health and wellness and believes in the long-term potential of the business as strongly as we do.”

The company primarily operates through business-to-business sales, distributing its products to retailers, supermarkets, fitness centres and sports clubs, catering to everyone from elite athletes to individuals pursuing weight loss goals.