transformation

Intellect drives transformation certainty and business impact for global banks

Rajesh and Akash share how Intellect supports banks and financial institutions in achieving full digital transformation, navigating global uncertainties, improving cost efficiency, and staying on schedule.

GF: What specific challenges do banks face in their digital transformation initiatives?

Rajesh Saxena: When you look at digital transformation and large-scale transformation, I think the most important aspect is that it has to be driven right from the top – the board, the management and the CEO have to be totally vested in this for it to be successful. Sometimes we see a misalignment from that perspective and that leads to problems.

The second thing is that it involves a lot of legacy platforms, interfaces with external ecosystem and data migration. That could sometimes be a challenge.

The third thing we have noticed is that, in many cases, when the bank or the financial institution starts the transformation, they are looking to adapt, but as we go through the process, they want the new system to look exactly the same as the old one, and that can create issues.

Finally, banks have to realise that large-scale transformations require a dedicated team. Sometimes they don’t have a team, and sometimes they do, but that team is also doing other activities. That inadequate focus can also result in challenges.

Rajesh Saxena, CEO of Intellect Consumer Banking

GF: Could you provide us with specific examples of how Intellect has been able to help banks overcome challenges and implement their digital strategies?

Rajesh Saxena; Our delivery framework has really improved over the years. Our starting point is design thinking, first principles thinking, and systemic thinking. This helps us really understand the customer’s requirement, both stated and, more importantly, his unstated needs. Then our products are built on the latest architecture. We call it eMACH.ai which stands for events, microservices, API, cloud and headless – with artificial intelligence built into it. This underlying architecture allows banks to have composability, extensibility and integration via APIs.

We have also realised that when you’re doing a large transformation, you need a team of people very close to the customer and in the same location. So our model is local delivery with a team on the ground, while our factory stays in India. Recently, we successfully launched several projects: we went live with the Central Bank of Seychelles, implementing our eMACH.ai Core Banking system; we partnered with Faisal Islamic Bank of Egypt for the implementation of eMACH.ai DEP; and we collaborated with First Abu Dhabi Bank to implement our eMACH.ai  Lending solution. Those are just a few projects where we’ve been able to deliver business impact to the bank.

GF : You spoke about unstated needs. How can you identify and target the clients’ unstated needs?

Rajesh Saxena: Understanding the unstated needs of clients and the industry is crucial and requires deep domain expertise combined with a focus on human-centered solutions. Design thinking provides a structured approach to asking the right questions, allowing us to uncover these hidden needs. At Intellect, we have established a 30,000-square-foot design center at our headquarters in Chennai, India. We invite our prospects and clients to participate in various design thinking sessions held in this space. During these sessions, we encourage discussions, analyze patterns and anti-patterns, and apply prioritization theories to identify both the stated and unstated needs of our clients.

GF: How can Intellect’s distinctive delivery model ensure that digital transformation projects get delivered on time and within budget?

Akash Gupta: We have built our delivery model around two approaches which we call space and speed. Speed stands for Sprint-based eMACH enabled delivery while Space stands for Secure, Predictable, Assured, Complete, eMACH enabled delivery. These methods give us flexibility to match the execution style to what the bank really needs. Large transformational projects typically go through the space methodology, whereas the quick delivery models, or digital ones, will go through a speed execution model. In the speed model, we are not starting from scratch; we have a ready suite of offerings for the customer with a very flexible architecture, the eMACH.ai. Hence the development efforts are lower and the costs are also very predictable.

Akash Gupta, Global Delivery Head of Intellect Consumer Banking

We also keep our governance very tight with monthly, sometimes fortnightly, steering committee meetings. These meetings take place between the customers’ teams and our teams to ensure good progress and it allows for risks to be visible very early in the program.

On the execution methodology, we follow Agile and DevOps, so there is continuous integration and development. It’s a sprint-based approach, so we get a view of the delivery very early in the program, and things take place in an accelerated manner.

A very good example of this was a few years ago when we helped a new African digital bank go live on our core platform in just 16 weeks. Usually, it takes a bank a year to a year and a half.

Finally, I would say we continuously monitor cost, schedule, effort and risk.  This enforces discipline and helps us deliver projects in a timely manner and within budget. This ensures us to offer Delivery certainity to our customers from Time, Cost and quality perspective.

GF: You spoke about cost. How can Intellect manage cost controls while meeting overall project goals?

Akash Gupta: We are dealing with banks that must face global uncertainties, and to them, two things matter: cost visibility upfront and the support post “go-live”. So, we have a very transparent pricing methodology. We give the banks the pricing down to the feature level so they can choose and pick what they really need. They don’t have any hidden surprises.

But beyond pricing, really matters is the relationship. For us, it’s not just “deliver and walk away” and here I’ll give you an example: Last year we had a bank in Zimbabwe that was going to go live with our core banking transformation and four days before, the government announced a currency change. We were able to seamlessly migrate them to the new currency with no glitches. This is something even the established banks in that market were not able to achieve. It was like doing an open-heart surgery!  So, clear pricing and long-term relationship-based support are what keep us going with those kinds of uncertainties.

GF: Tell us about the continuity of operations, any examples from the advanced markets?

Akash Gupta: One of the largest e-commerce companies in Europe, offers short-term loans to its online customers. The company utilized our core banking and lending solutions, enabling the business unit to implement a comprehensive Credit Lifecycle Management system. This system features fully automated processes from loan origination to maturity, instant updates for customers and partners, flexible product configuration, and a scalable AWS EKS and Fargate infrastructure for cost-effective, on-demand scaling.

During Black Friday, the company processes close to a million loans in a single day, highlighting the importance of having scalable solutions to meet such high demand. They have achieved success year after year with our solution. This is just one of many examples of how our customers across Asia, Africa, the Middle East, Europe, and the Americas have transformed into secure, sustainable, and future-ready financial organizations.

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Clare Balding’s weight loss transformation, cancer diagnosis and new life with famous wife

The BBC Sport presenter joins the likes of Tom Daley, Jonathan Ross and Alan Carr in taking part in the first series of The Celebrity Traitors

The inaugural series of The Celebrity Traitors hits our screens on Wednesday night, with a star-studded cast taking part in the spin-off of the popular BBC programme.

Following the same format as the regular version, the series will see 19 celebs becoming either ‘Faithfuls’ or, in the case of some, ‘Traitors’. The task for the Traitors is to work together to ‘murder’ their fellow contestants without being detected, while the Faithfuls are charged with successfully identifying and ‘banishing’ the Traitors by voting them out.

The celebrity line-up includes singer-songwriter Cat Burns, telly host Jonathan Ross, actress Celia Imrie and former Olympic diver Tom Daley. However, one contestant who’s been tipped to go the distance and bag the £100,000 charity prize is BBC Sport legend Clare Balding.

Over her 30-year career, the presenter has become one of Britain’s most esteemed broadcasters, having fronted massive sporting events such as the Grand National, Olympic Games and Wimbledon for channels like the BBC and Channel 4.

Balding will be hoping her authority, popularity and affability to take her far in the iconic Traitors castle, while she has grown used to the spotlight being cast over her, and particularly her life away from the cameras. As her stock has risen, particular attention has been paid her personal life, from her relationship with another presenter to her recent weight loss. Here’s what you need to know.

Ex-BBC presenter wife

Balding first met her wife, broadcaster Alice Arnold, in 1999 while they were both working for the BBC. While they were simply good friends at first, they began dating in 2002, after a national newspaper publicly revealed Balding’s sexuality.

The pair entered into a civil partnership in 2006 before getting married in a private ceremony in 2015, following the legalisation of same-sex marriage in the UK. Their marriage was subsequently back-dated to 2006.

Balding has described Arnold, who worked as a newsreader and continuity announcer at BBC Radio 4 for over two decades, as “fiercely loyal” and her “own little guard dog”.

Reflecting on their first meeting, the Wimbledon presenter confessed she was unaware of Arnold’s identity when she first noticed her at a BBC show, but added: “I saw her and thought ‘Oh, she’s really interesting and rather beautiful. We started chatting and she’s very funny. We were friends for at least two years.”

Balding recently spoke more candidly about her relationship with Arnold during an interview with Hello! Magazine, crediting her wife as the inspiration behind her debut novel ‘Pastures New’, which hit shelves in September.

“One of the things I wanted to write about in my novel was about falling in love because I thought ‘I know that’,” she explained. “I know what real, deep love is and meeting someone I want to grow old with. Lucky, lucky me.”

In the same interview, she revealed that she and Arnold are preparing to leave their long-time home in Chiswick as they look to fill the “canine-shaped hole” in their lives by getting a new dog.

“We’re looking to move out of London in the near future, and one of the main reasons for that is to have a bit more space and protection from the road so that it’s a good environment for a dog,” said Balding. “As soon as we’re settled, it’s definitely our plan – probably next spring. I just smile at the thought of having a dog back in our lives.”

On how she and Arnold spend their time together, she spoke about their love of golf, adding: “I’m not as good as Alice, who’s a seven-handicap golfer, but I’m working on getting better”. She also discussed the couple’s travel plans, explaining: “Alice and I are about to go from New York up to Quebec and back again and we’re going to Japan on a cruise next year. We love being on the water and then ending up in a new place.”

Balding’s relationship with Arnold came after she previously dated men, with one of her former partners even proposing to her. However, she turned down the proposal and never regretted the decision, explaining that he went on to “behave appallingly”.

“I had a few boyfriends, not like loads,” she recalled. “But I had one very serious boyfriend for two or three years. He asked me to marry him, and he was in the Army, and he was going off. And I thought, ‘He’s only asking me because he thinks he’s in danger and, according to romantic films, I’m meant to say yes at this point’.

“I knew I didn’t want to. I said, ‘Look, that’s a lovely thing to say but ask me again when you come back’. When he came back he didn’t ask me again, and I thought, ‘Thank God’. I thought, ‘I don’t trust you and I’ll never trust you’ – and funnily enough I was absolutely spot on as his ex-wife told me not that long ago.”

She added: “That relationship ended not very well with him behaving appallingly. I think I was damaged by that, but that doesn’t make you gay. I just think when I first fell in love with a woman, it was completely different.”

Cancer battle

In 2009, Balding revealed she had been diagnosed with thyroid cancer after spotting a lump on her neck while watching herself present on television.

Warning signs of the condition include a lump in the neck, a painful throat and swallowing difficulties that persist, and after heeding her family’s advice to consult a doctor, she was told she had cancer and needed an operation. Balding then underwent surgery to remove a cyst, her thyroid gland and a lymph node, followed by radioactive iodine treatment to halt the disease’s progression.

She later admitted to going through a “dark stage” after her diagnosis, as she feared the potential impacts of her illness on her voice and career. However, she received the all-clear at the end of 2010 and has since seen her career flourish.

During a recent appearance on the Stick to Rugby podcast, she opened up about her diagnosis, recalling: “It was an odd one because I hadn’t noticed feeling any different. I was doing the show jumping at Christmas when it was at Olympia and I recorded an opening link, and I was watching it back on the monitor as we were about to go live.

“I was looking at the mirror and I saw this lump on my neck, a big lump. I thought, ‘Wow, that’s really weird, where has that come from?’ I went home for Christmas and my sister-in-law’s Welsh grandfather was a doctor, and he looked at it. He was still a practising GP and he said that I’d better go to the doctor. He took Alice to one side and said, ‘Make sure she goes’.

“Between Christmas and New Year, when the doctor’s surgery was open, I went and the GP did some tests and he sent me to a specialist. They came back and said, ‘You’ve got thyroid cancer’ and they had to operate.”

Pointing to her neck, she added: “I’ve got a cracking scar there, they had to operate three times. I was most worried about my voice because of where the surgery is. I was thinking, please don’t hit my vocal cords. I came back and was commentating on the tennis for the radio and I couldn’t hit the notes, the vocal cords weren’t meeting properly.

“Anyway, it came back and I was all fine and I got my bass notes back – but that was all I was worried about. I then had radioactive iodine therapy, but that’s all right, because it’s not as bad as chemo.”

Body transformation

Today, Balding is healthier than ever, having shed one-and-a-half stone by eliminating a few food and drink items from her diet.

During her Hello! interview, the 54-year-old revealed that she had embraced a low-carb diet, ditching pasta and bread while also reducing her sugar consumption. She also modified her drinking habits, choosing gin and tonic over red wine.

After overhauling her eating habits, Balding says she not only “feels better” but has gained fresh confidence as she can now wear whatever she wants.

“I’ve worked hard at it and feel better,” she said. “I got into my 50s and thought, ‘I’m just going to be fat and happy’, but then a friend talked about a low-carb diet and the late Michael Mosley publicised this form of weight loss, too, and I thought, I’ll give it one more go – as I’ve tried so many diets over the years – and see if it works. And it did!”

Revealing she no longer eats bread or pasta and as little sugar as possible, she added: “And if I want a drink, I have a gin and tonic instead of wine, so I don’t feel like I’m depriving myself of things.

“I’m never going to be stick thin – that’s just not me. I’ve got massive bones. But I can now put on a pair of trousers with a belt and my shirt tucked in and I went for years without being able to do that. That feels great.”

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Suranne Jones admits to feeling ‘anxiety’ over transformation in ITV’s Frauds

Suranne Jones has opened up on her new ITV drama Frauds, which sees her star alongside Jodie Whittaker as two con women who rekindle their friendship to pull off a heist

Suranne Jones has revealed her striking makeover and confessed to feeling “anxious” about her latest ITV drama Frauds.

The forthcoming show features Suranne alongside Jodie Whittaker as a pair of female fraudsters named Bert and Sam, whose poisonous yet wickedly amusing bond is reignited to execute the ultimate robbery.

“Bert and Sam embark on the most audacious of art thefts, gathering a talented team of outcasts to help them plan this audacious crime,” the synopsis continues.

“Whilst the team must overcome numerous challenges before they can pull off the heist, it’s the power struggle between Bert and Sam that threatens to derail their plans and destroy them both.

“Set against the epic rolling hills of southern Spain and the dark criminal underbelly that casts a shadow over the glistening coast, Frauds is a complex and addictive story of friendship, deception and survival”, reports the Liverpool Echo.

Frauds is scheduled to launch this Sunday (October 5) at 9pm on ITV1 and ITVX.

The six-episode series will then broadcast on Sunday and Monday evenings across three weeks.

During a press conference for the new programme, Suranne discussed juggling her multiple responsibilities, both performing and working behind the scenes.

Beyond portraying Bert, the star also co-developed the show with Anne-Marie O’Connor and acts as executive producer. “Obviously, there’s the pre-planning and there’s the whiteboard stage, and there’s the pouring your heart out and getting all the bits in and then obviously, Anne-Marie goes away and delivers a brilliant script,” she explained.

“When I’m in it, it does become a little difficult because you work at night, work at the weekends… I was being pulled off set and working. It is exhausting, but also, look what we created. I’m really proud of it, I can’t believe we’ve done it.”

Hinting at a particularly gripping moment between the two main characters, Suranne went on: “It has to manifest itself. I felt anxious for the first time watching it… Something has to give with these two and there’s a release in one, but then Bert gets worse.”

Suranne also disclosed the reasoning behind her dramatic makeover into Bert.

In the programme, the 47 year old actress appears completely transformed as she dons a sleek blonde bob instead of her signature dark locks.

Discussing Bert’s bold fashion choices, Suranne revealed that she put together an extensive mood board to help her envision her character’s look, including her significant tattoos.

“She wants to project to the world that she’s dangerous, she’s had this sort of life, but obviously that’s just a projection and then the outfits were part of that. It’s loud. I’m here, you will look at me. It’s all presentation,” she said.

“The blonde came because when Jodie said yes, she said she wasn’t going to dye her hair. So, I assumed she’d be blonde and I was going to have like un undercut. And then I was like, ‘It’s okay. She can stay dark, I’ll go blonde.'”

“And everyone went, ‘What?! You’re gonna look so different!’ And we were like, ‘Exactly, that’s going to work.'”

Executive Producer for Monumental Television Alison Owen added: “Suranne was fierce about the whole look. I mean, every day, weren’t you going through it so minutely. It was a real education for me in seeing someone create a character through your make-up, your hair, your costume, such precision.”

Suranne concluded: “I just knew her. We talked a lot and I just knew that’s what we wanted.”

Frauds premieres Sunday 5th October at 9pm on ITV1 and ITVX

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Natalie Cassidy’s glam transformation after EastEnders exit – ‘I feel like me’

The Sonia Jackson actress says she feels and looks different after leaving the BBC soap after three decades

Move over Sonia Jackson and take your trumpet with you… after 32 years it is finally time for Natalie Cassidy to take centre stage.

The 42-year-old was only 10 when she joined EastEnders, and she inhabited the character with such conviction that the lines of fact and fiction blurred. But no more… Natalie says since leaving the BBC juggernaut this year, the changes have been so huge that not only does she feel different, she looks different too.

“It was amazing when I got to ­reinvent myself after leaving EastEnders,” she says, beaming. “Sonia isn’t the most glamorous of characters, bless her, but I wanted to stay true to her character, so I never got extensions put in, or dyed my hair.

“She was just a worker who didn’t have a lot of money and worked for the NHS. But coming away, and breaking free, I just thought, ‘I want to be glam. I want to wear coloured nails. And just feel like me’.

“I do feel like my face has changed a little since leaving EastEnders, because I was quite sad when I was playing Sonia, or angry all the time. So I feel like my frown lines have sort of faded away, which is quite nice!”

Since Natalie joined in 1993, Sonia fell pregnant at 15, lost Jamie Mitchell, faced a rocky marriage to Martin Fowler and had a cancer scare. She also took the lead in the live episode in February for the soap’s 40th anniversary, giving birth in the Queen Vic.

News of trumpet-playing Sonia’s departure shocked viewers, who had grown up watching Natalie’s powerful performances on their TV screens. Natalie says her 40th birthday was a turning point.

“It’s a bit of a cliche, but it is a milestone. You know who you are, who your friends are, and where you are in life. You don’t want any rubbish. Having been in this business for such a long time, I just needed to be free and be open to everything else.”

Mum-of-two Natalie admits she felt chained to the show, while conceding: “And that’s not a bad thing, because it’s regular money. But you haven’t got any time to plan anything else, so it does take over your whole life,” she says. “For me, I just knew I needed to be brave, and I needed to break free from that to sit and go, ‘What else is going to come?’”

Natalie is busy recording her podcast, Life With Nat, appearing in BBC comedy Boarders and fronting C4 consumer show What’s The Big Deal. The star, engaged to cameraman Marc Humphries, also plans to do lots of mum things with Eliza, 15, and Joanie, nine.

“It’s been freeing leaving EastEnders,” admits Natalie. “I feel liberated and just happy. Albert Square will always hold a place in my heart… and the door is always open for me to return, never say never.”

Read Natalie’s full interview in the November issue of Prima here.

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Ballon d’Or 2025 LIVE RESULTS: Ousmane Dembele breaks down in TEARS after stunning transformation into PSG hero

Full men’s rankings

Here are the rankings of the top 30 men’s players in the world…

30. Michael Olise

29. Florian Wirtz

28. Virgil van Dijk

27. Declan Rice

26. Erling Haaland

25. Denzel Dumfries

24. Fabian Ruiz

23. Jude Bellingham

22. Alexis Mac Allister

21. Serhou Guirassy

20. Lautaro Martinez

19. Joao Neves, Paris Saint-Germain

18. Scott McTominay, Napoli

17. Robert Lewndowski, Barcelona

16. Vinicius Jr, Real Madrid

15. Viktor Gyokeres, Arsenal

14. Desire Doue, Paris Saint-Germain

13. Harry Kane, Bayern Munich

12. Khvicha Kvaratskhelia, Paris Saint-Germain

11. Pedri, Barcelona

10. Nuno Mendes, Paris Saint-Germain

9. Gianluigi Donnarumma,  Paris Saint-Germain

8. Cole Palmer, Chelsea

7. Kylian Mbappe, Real Madrid

6. Achraf Hakimi, Paris Saint-Germain

5. Raphinha, Barcelona

4. Mohamed Salah, Liverpool

3. Vitinha, Paris Saint-Germain

2. Lamine Yamal, Barcelona

1. Ousmane Dembele, Paris Saint-Germain

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NMB Bank: Driving Tanzania’s Digital Transformation

Global Finance (GF): What are NMB Bank’s recent milestones in driving digital transformation?

Kwame Makundi (KM): In 2024, NMB Bank showed its commitment to technological advancement by launching over 20 initiatives that support growth and improve its offering in terms of customer experience, financial inclusion and operational efficiency. The NMB Pesa Account is a good example. This digital and cardless account-opening solution was designed for low-income households to advance financial inclusion in rural areas. Requiring a small initial deposit, the bank onboarded over 354,000 accounts in 2024.

Another successful initiative was Mshiko Fasta, a digital micro-loan product that reduced turnaround time from around five days to under 10 minutes for non-collateralised loans. These cater mainly to small- and medium-sized businesses and entrepreneurs and are accessible from mobile devices.

NMB Kikundi is an affordable and accessible digital solution enabling customers to open group accounts instantly via their phones through NMB Mkononi and USSD services with no debit restrictions and zero transfer charges. Last year, 40,000 group accounts were onboarded.

We also created FlexMalipo, a tailored payment and bill management solution for schools and religious institutions. By helping to control payment cycles, reconciliation and real-time transaction visibility – at no cost – we onboarded more than 830 schools.

GF: How has this journey of innovation enhanced NMB Bank’s performance?

KM: Our digital transformation efforts have led to significant efficiency gains. For example, in 2024 branch transactions decreased by 10%, and we improved our cost-to-income ratio by 100 basis points, from 39% the year before. More specifically, our strategic investment in loan management and enhanced IFRS 9 systems led to a reduction in our loan loss ratio to 0.97% and non-performing loan ratio to 2.9% by the end of 2024.

GF: What are the key features of the NMB Mkononi app that also differentiate the bank?

KM: This app is distinctive from all other mobile banking apps in several ways. Firstly, it offers a personalised user interface and overall improved customer experience that allows for smooth navigation through a wide range of functions. Secondly, the app provides access to apply for and manage unsecured digital micro loans, including Mshiko Fasta and Salary Advance. The app also has enhanced security features, such as strengthened biometric authentication, for a safer experience. Lastly, the app offers several value-added services, from local and international fund transfers, to savings solutions, to paying bills and making withdrawals.

GF: What inspired NMB to develop digital loans for the local market?

KM: In response to evolving customer needs, we leveraged NMB Bank’s innovation strategy to offer instant, collateral-free credit solutions that are easily accessible anytime, anywhere. In addition to reducing turnaround times, eliminating paperwork and improving customer satisfaction, we can tailor loan amounts based on real-time data, which ensures customers receive credit that matches their financial capacity, therefore fostering trust and repeat usage.

GF: How has this digital lending proposition impacted Tanzania’s banking landscape?

KM: Through our digital loans, credit decisions are made by using multiple data sources, allowing underserved individuals to access formal credit for the first time. For customers, this has expanded access to formal financial services, reducing the reliance on informal lenders while supporting broader financial inclusion across Tanzania. Since NMB Bank launched the solution in 2022, we have disbursed over three million loans to one million previously underserved customers nationwide – from entrepreneurs and women, to food vendors and motorbike and taxi drivers.

GF: What’s next on your digital banking agenda?

KM: NMB Bank is exploring emerging technologies to maintain our competitive edge in an increasingly digitised market. Current initiatives include the strategic modernisation of our core banking system. This aims to spur business growth, enhance operational efficiency, foster innovation and strengthen IT risk management. We want to bring new products to markets faster.

We are also investing in AI and machine learning capabilities to drive faster and more informed decision-making, as well as greater personalisation and real-time analytics. Talent development is also a strategic goal, making the right hires in key IT and digital roles aligned with our long-term transformation agenda.

With these and other initiatives, NMB is addressing evolving customer needs by leveraging digital channels to deliver convenience, efficiency, enhanced customer satisfaction and greater financial inclusion.

NMB Tanzania - Logo

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X Factor star looks completely different after body transformation as he shows off new look at 69

X FACTOR legend Wagner has showcased a brand new look aged 69.

The retired PE teacher from Brazil, 69, starred on the ITV reality series when the show entered its seventh instalment in 2010.

Wagner Carrilho singing on The X Factor.

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X Factor legend Wagner has revealed a brand new lookCredit: Rex
Wagner Carrilho outside ITV studios in London.

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The Brazilian former PE teacher found fame on the singing show in 2013Credit: Rex
A muscular man with long gray hair and tattoos flexes his biceps for Fubar Radio.

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He stripped to a yellow gym vest to show off his ripped new look in an interview for FUBAR Radio

It was the same season that saw contestants such as Cher Lloyd, One Direction and Rebecca Ferguson compete for the winner’s title and, at the time, he sported shoulder-length locks and a striking black moustache.

Wagner, who was notoriously known as the oldest finalist, was eliminated in the quarter final but not before he showed off his striking look complete with beard and open-button shirts.

Back in 2022, we reported how Wagner had re-located overseas so he could “die in peace.”

And three years on, after his return to the UK, he has changed up his striking appearance.

In a video interview for FUBAR Radio, he showcased his platinum blonde locks, still at their shoulder length, and in their natural waves.

While he’s kept his moustache, it’s now a natural silver shade and paired with a bushy beard.

Yet fans were left particularly distracted by his ripped physique, with Wagner giving a bicep curl to the camera for good measure.

His muscle definition could clearly be seen on his tattooed arms as he posed in a bright yellow vest.

Wagner was chatting to FUBAR host Andrew White and told how he had returned to the UK in December.

Yet he admitted he “couldn’t stand” living in Brazil so sold his hair transplant clinic back to the Da Vinci business.

The X Factor’s Wagner offers his singing services with personalised video message service Stardm 

Back in 2022, we told how Wagner was leaving his Birmingham home and coming out of retirement to start up the business.

At the time, he said: “I love it here but I am going to Brazil to start a hair transplant business.

“I’m living proof that hair transplants work. I had mine eight years ago and I haven’t lost anything. I lose more from the beard than my head.

“I’m going to be making so much money I’ll be coming back to the UK. I’m only a flight away.”

Speaking about his wife, who is 36 years his junior, he then added to The Mirror: “Once I die, (his wife) Lydia will communicate with the manager and I can die in peace now.”

Wagner has also been selling custom videos to fans for just £10 – as he doesn’t want to price anybody out.

Wagner Carrilho performing at The X Factor final.

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The Brazilian star reached the semi final stage of the reality seriesCredit: Rex
Man in a yellow hoodie holding two babies.

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Wagner re-located back to Brazil in 2022 to start a hair transplant business but is now back in the UKCredit: Refer to Source (Instagram)

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‘Rundown’ seaside town’s £1.8m boost as Butlin’s unveils huge transformation

A well-known seaside town in the south of England, which was recently crowned one of the ‘worst’ in the UK, has welcomed a huge upgrade to its insatiably popular Butlin’s resort

Beach at Bognor Regis looking West from the pier
The town didn’t perform well in Which?’s seaside league tables(Image: Martin Burton/SussexLive)

A once regal seaside town loved by Brits has watched its glitzy reputation slowly wash away. Snuggled on England’s south coast in West Sussex, some 70 miles from Central London – lies the coastal town of Bognor Regis.

Boasting half a dozen golden sandy beaches, crystal-clear water, and a Victorian pier originally built in 1865 – Bognor Regis attracts a whopping four million tourists every single year. Like any quintessential seaside resort, it’s filled with all of your staycation essentials: Fish & Chip shops, ice cream vans, arcades, and souvenir shops.

But, the town was recently snubbed in Which?’s seaside league tables, where it came joint fourth from last with Burnham-on-Sea. Scoring a measly 47 per cent out of 100, survey participants gave the town just two stars for its beaches, tourist attractions, scenery, and food and drink offerings – and a brutal one-star rating for its pier and range of shops.

Stock - the beach at Pagham Harbour, a 629-hectare biological and geological Site of Special Scientific Interest on the western outskirts of Bognor Regis in West Sussex. It is a Geological Conservation Review site, a Nature Conservation Review site, a Ramsar site, a Special Protection Area and a Marine Conservation Zone
Bognor Regis has grappled with its reputation in recent years(Image: Adam Gerrard / Daily Mirror)

Bognor Regis, known as one of three UK homes to Butlins, opened its resort back in 1960, during the UK’s coastline glory days. It was the third complex to be built in England and reportedly witnessed a staggering 3,000 visitors on the opening day.

And just last month, Butlin’s announced it had finished a huge £1.8 million upgrade to the resort – helping to bolster tourism in the region. The transformation means Bognor Regis is now home to Butlin’s biggest-ever indoor Soft Play centre and Puppet Theatre.

Butlins Holiday Resort in Bognor Regis, West Sussex pictured from the air in these aerial photographs during during the Covid-19 lockdown.  The resort is currently closed to the public due to the pandemic.  The summer looks promising for UK resorts as restrictions on foreign travel are set to continue triggering a boom in the 'British Staycation'.  EDITORS NOTE: Under 'normal' times this flight would not have been permissible due to the overflight of an assembly of people within the resort.  Take off was from the Crown Estate owned beach at Bognor Regis.  Flight conducted by Reach approved and insured UAS pilot / aircraft as per the Operational Authorisation from the CAA.
Butlin’s opened up its third resort in Bognor Regis back in the 60s(Image: Adam Gerrard / Daily Mirror)

Opening in time for the busy Easter half term, the four-storey soft play centre, which is a whopping 3,000 square feet, has the capacity to entertain up to 200 children – while adults can kick back and relax in the new 100-person eating area. The Soft Play centre features new slides, climbing challenges, log ramps, cargo nets, and a multi-sensory area for babies. The Puppet Theatre will put on new shoes for guests, including Under The Sea, Jingle in the Jungle and Christmouse.

Jon Hendry Pickup, CEO at Butlin’s, said he was ‘delighted’ to open the Soft Play and Puppet Theatre at Bognor Regis. “Both are included in the price, providing incredible value for our guests,” he added. “They have always been popular with guests, and these incredible new spaces are full of personality, just like the Skyline Gang and their performances which are always a standout part of family’s breaks.”

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It takes around two hours and 17 minutes to drive to Bognor Regis from London, but direct trains can slash the journey time down to just one and a half hours. If you’re flexible with dates, you can grab single adult fares for as little as £10.

Accommodation in Bognor Regis varies depending on your budget. For example, a weekend’s stay (Friday, June 13 -15) at the four-star Beachcroft Hotel will set you back £322, based on two adults sharing. But, the Keedwell Studio Apartments offer a double room on the same nights for just £198. Butlin’s offers weekend breaks for the May Half Term for as little as £253.

*Prices based on Trainline, Booking.com, and Butlin’s listings at the time of writing.

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