There may not be much good news around but as ever Business HQ strives to bring you some positives. And there are plenty when it comes to Scottish innovation. More than 300 years ago the first Scottish banks revolutionised finance by issuing paper notes … and today Scotland is still at the forefront of financial developments.

FinTech Scotland brings together expertise from the banks, universities and citizen groups to ensure benefits go far beyond the shareholders. Read more in our special Fintech report. 

Corporate social responsibility is also on the agenda in Silicon Valley. Tech giant Google is helping underrepresented groups of entrepreneurs ... our interview with Marta Krupinska explains more.

There is innovation on every level ... from the minute quantum computers being developed to the large-scale ambitions to harness geothermal energy from disused coal mines. So don’t cancel the figgy pudding just yet. 
Ian McConnell
Business Editor For The Herald

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Business desk
Highlights from the final quarter of 2019 courtesy of The Herald’s business team
9 Ian McConnell
The Herald’s Business Editor looks ahead to a new post-Brexit decade where businesses are set to face major challenges 
10 Fintech
Special 24-page section exploring Scotland’s upward trajectory in the financial technology sector with many start-ups figuring out success 
38 Server purpose
Head of Google for Startups Marta Krupinska explains how the tech giants are supporting under-represented sectors 
74 Space to create 
Andrea Pearson talks to interior design duo Sheena and John-Mason White about designing the ideal home office
  80 Social Enterprise
How offering wide-ranging support to the vulnerable is changing lives in Glasgow
82 Boxing clever
Behind the scenes at Kingscroft Logistics who create stunning bespoke gift boxes

96 Setting sale 
Karen Peattie meets wholesale stalwarts JW Filshill who are flying high after their recent move next to Hillington
102 Quantum leaps     
Tony Harrington reveals how Google and IBM are battling for supremacy in the race to create the fastest quantum computer
106 The Big Idea 
Should businesses accomodate 
non-drinkers with booze-free 
festive celebrations?
110 Tunnel vision
How Glasgow’s flooded mining tunnels could provide a new environmentally-sound source of geothermal heat
114 Living the high life
Chief engineer Gordon McConnell looks back on an acclaimed career in aviation
118 Pitching a new style
Ex-footballers Mark Corcoran and Steven Robb are on the ball when it comes to Bee Inspired’s ‘athleisure’ wear 
122 Events
Forthcoming top business events

PLUS special sections on: Climate for change; Entrepreneur; STEM

Read the magazine in full here