Gareth Morgan

Gareth is a leading expert on advice and technology, particularly applying to the relationship between state benefits and financial products.


After a number of years working on advice and technology projects for Cardiff Citizens Advice Bureaux and for the National Association of Citizens Advice Bureaux, during which his project won the British Computer Society Award, he founded Ferret Information Systems, which is Europe’s leading specialist company providing social welfare advice technology and consultancy.


Amongst other leading-edge developments, Ferret produced the world’s first large scale roll-out of mobile technology in government and the world’s first WWW advice system in 1995.

Ferret works within the financial services area on tools for assessing sustainability and affordability and for holistic assessments of financial circumstances for customers.

Ferret produces the Future Benefits Model which models the effects of welfare benefits schemes on a rolling five year horizon and is widely used by researchers in academic and other organisations.



Gareth speaks, broadcasts and writes widely on welfare reform, social security, the practice and technology of advice work, and on the application of mobile technology, in the UK and abroad

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