IT Contractor Blog - IR35, Day Rates & Market News

FCJ Blog

News, tips, and market insights on all things contracting.

DORA and the EU AI Act: New Contract Opportunities Across Europe
News Market Trends UK EU

DORA and the EU AI Act: New Contract Opportunities Across Europe

Two major EU regulatory frameworks are generating overlapping and substantial contractor demand across European financial services in 2026. The Digital Operational Resilience Act has been in full effect for EU financial entities since January 2025, and the EU AI Act's obligations are progressively taking effect through 2026 and 2027. For IT contractors with relevant technical and governance skills, this represents one of the most durable sources of project work in the European market.

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RegTech & Compliance Contracting: A Deep-Dive into the Fastest-Growing Finance Niche
News Tips Market Trends UK EU

RegTech & Compliance Contracting: A Deep-Dive into the Fastest-Growing Finance Niche

Regulatory technology and compliance contracting sit at the intersection of two irresistible forces in UK financial services: relentless regulatory expansion and persistent specialist talent shortages. For contractors who can navigate this space, 2026 is offering some of the most durable and well-paid work in the sector.

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Umbrella Companies in 2026: How to Pick a Safe One After JSL
Tips UK

Umbrella Companies in 2026: How to Pick a Safe One After JSL

The Joint and Several Liability rules that took effect in April 2026 have turned umbrella company selection from an administrative choice into a genuinely consequential one. Here's how to approach it properly.

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Prompt Engineering to Agentic AI: The Contractor Skills Clients Are Paying For
News Tips Market Trends UK

Prompt Engineering to Agentic AI: The Contractor Skills Clients Are Paying For

A year ago, prompt engineering was the skill everyone was talking about. In 2026, the conversation has moved on. Agentic AI - AI systems that reason, plan and execute tasks autonomously - is where the real contractor premium is forming.

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State of the UK IT Contract Market: Mid-Year Review
News Market Trends UK

State of the UK IT Contract Market: Mid-Year Review

Six months into 2026, the UK IT contract market has settled into a pattern that rewards specialists and punishes generalists. Here's where the data points and what it means for your contracting career.

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Remote vs Hybrid in 2026: What Clients Are Actually Offering Contractors
News Market Trends Tips UK

Remote vs Hybrid in 2026: What Clients Are Actually Offering Contractors

The remote working revolution that accelerated through 2020–2022 has matured into something more complicated. For contractors in 2026, understanding what clients genuinely offer - and what leverage you have around location - is increasingly important for both job satisfaction and day rate negotiation.

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Cybersecurity Contracting: The Most Recession-Proof Market in UK IT
News Market Trends Tips UK

Cybersecurity Contracting: The Most Recession-Proof Market in UK IT

Economic slowdowns hit contractor markets unevenly. When budgets tighten, transformation programmes slow and discretionary IT spend drops. But cybersecurity is different - and 2026 is demonstrating that more clearly than any year before.

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AI in UK Banking: What It Means for Finance Contractor Demand
News Tips Market Trends UK

AI in UK Banking: What It Means for Finance Contractor Demand

UK banks and financial institutions are no longer experimenting with AI - they are deploying it at scale and at speed. For Finance contractors, understanding where the investment is going and what roles it is creating is essential intelligence for your next contract search.

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AI Contractor Rates Worldwide: The Premium for Agentic AI Skills in 2026
News Market Trends Tips UK EU USA Global

AI Contractor Rates Worldwide: The Premium for Agentic AI Skills in 2026

The global AI contractor market has developed rapidly distinct rate tiers in 2026, with agentic AI and financial services AI commanding rates that have separated significantly from general technology work. Understanding where the premium is highest - and which skills drive it - is increasingly important for contractors positioning themselves in this market.

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Outside IR35 in 2026: Is It Still Achievable and Worth Fighting For?
News UK

Outside IR35 in 2026: Is It Still Achievable and Worth Fighting For?

When IR35 reform landed in the private sector in 2021, many observers predicted the death of outside IR35 contracting. That proved too pessimistic. In 2026, outside IR35 work hasn't disappeared - but it has changed shape significantly, and the JSL reforms may be creating new openings.

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Joint & Several Liability Is Live: What Every UK IT Contractor Needs to Know
Tips Useful Tools & Resources UK

Joint & Several Liability Is Live: What Every UK IT Contractor Needs to Know

The 6th of April 2026 marked a significant shift in how HMRC enforces tax compliance across contractor supply chains. The new Joint and Several Liability (JSL) framework is now in force - and if you work through an umbrella company, the ripple effects reach further than most contractors realise.

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Best Digital Nomad Visas for IT Contractors in 2026
Tips Useful Tools & Resources UK USA EU Global

Best Digital Nomad Visas for IT Contractors in 2026

The number of countries offering dedicated digital nomad visas has passed 50 in 2026, and the programmes have matured significantly since the early experimental days. Income requirements have risen, tax obligations have been clarified, and several countries now offer genuine pathways to permanent residency. For IT contractors, the choice of base has significant implications for tax efficiency, quality of life and long-term legal status.

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