banking
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Reforming Capitalism: Political & Market Revolution for Equitable Growth
Many people feel that the capitalist economic system delivers wealth to a few and somehow cheats the rest of opportunity. I agree: our market system is being lo
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Scott Morrison to Discuss Fintech Developments at G-20 Summit
This week, Treasurer Scott Morrison will be in Germany, as part of the run up to this year’s G-20 Summit, talking to other finance ministers about “Digitising f
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Female Leadership & Risk Management in Banking: Debunking Stereotypes
There’s a popular theory called the “Lehman Sisters Hypothesis” that says well known bank failures (like the Lehman Brothers collapse) wouldn’t h
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Fintech Disruption: Will Innovation Replace Bank Loyalty?
An efficient market relies on rational customers being willing to change suppliers when there’s good reason to do so. But what happens when customers stay put r
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UK Student Loan Sale: Implications for Students and National Debt
The UK government is about to make its largest ever sale of student loans to private investors. The reported intention is to sell the student loan book in order
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India's Demonetization: Impact on Banks, Startups & Economic Outcomes
When Indian Prime Minister Narendra Modi announced the withdrawal of ₹500 (US$7.40) and ₹1,000 (US$15) banknotes from circulation in November 2016, the governme
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South Africa Social Grants: Examining Financial Inclusion & CPS Controversy
“Financial inclusion” has hit the headlines in South Africa in the wake of a scandal over the distribution of social grants. Mounting evidence su
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Financial Inclusion in the UK: Challenges and Progress
British governments have been trying to improve financial inclusion for the best part of 20 years. The goal is to make it easier for people on lower incomes to
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Understanding Shadow Banking: Origins, Impact & Role in the Economy
The term “shadow banking” often has connotations of dodgy lending and borrowing practices, out of reach of regulators. And while its use may cont
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China's Banking Sector: Crisis Risk and Government Response
A variety of indicators suggest that China has come perilously close to a banking crisis. So far, the government has managed to keep things in check. A state-le
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Blockchain for Global Development: Empowering the World's Poor?
Big Wall Street companies are using a complicated technology called blockchain to further increase the already lightning-fast speed of international finance. Bu
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Blockchain Regulation: Can This Disruptive Tech Be Controlled?
The headlong pace of technological change produces giant leaps forward in knowledge, innovation, new possibilities and, almost inevitably, legal
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Income Inequality in the UK: The Role of Wealthy Perspectives
The UK suffers from the highest levels of income inequality in Europe – partly because of the delusions of its rich. In countries where the rich have less, they
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LIBOR Scandal: Unresolved Ethical Issues in Financial Benchmarks
When I was a trader at HSBC, Citibank, Crédit Agricole and Merrill Lynch, being able to accurately predict the the London Interbank Offered Rate (or LIBOR) each
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Australian Bank Profitability: Do Returns on Equity Exceed Global Averages?
In its 2017 federal budget, the Australian government included a 0.06% levy on Australia’s biggest five banks: ANZ, the Commonwealth, NAB, Westpac and Macqua
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Blockchain Adoption: The Missing Use Case & Roadblocks
It’s not technology or regulation holding back the blockchain - software that stores and transfers value or data across the internet - we just ha
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GST on Banking: A More Effective Revenue Solution Than Bank Tax
In all the noise and fury surrounding the bank tax, a more effective alternative proposal to implementing it has apparently been forgotten. In 2015 South Austra
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ATM History: How the Automated Teller Machine Revolutionized Banking
Next time you withdraw money from a hole in the wall, consider singing a rendition of happy birthday. For on June 27, the Automated Teller Machin
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ATM Usage Declines in Australia Despite 50-Year Anniversary
As the Automatic Teller Machine (ATM) celebrates its 50th birthday, it’s actually being used less and less to withdraw cash in Australia. There are currently mo
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Enhancing Blockchain Security: Lessons from Traditional Banking
There are ways to improve the online ledger blockchain by taking some security notes from banks. If people could use both two-step verification a
banking
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Debt Payoff Resolutions: Strategies for Achieving Financial Freedom in 2022Here's what you need to do if y...
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ETFs vs. Index Funds: A Comprehensive Comparison for InvestorsIndex funds and exchange-traded funds (ETFs) are both great wealth-building tools that work well in many different investment scenarios. But it’s important to note that index funds are often E...
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Aggressive Investment Strategies: Risk, Reward & SuitabilityAn aggressive investment strategy is a high-risk, high-reward approach to investing. Such a kind of strategy is appropriate for younger investors or those with higher risk toleranceRisk ToleranceRisk ...
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12 Effective Customer Relationship Management Strategies (No CRM Needed)So, you’ve built a website that drives leads and sales. There’s still one thing that is missing – Customer Relationship Management (CRM) software... Unless you know how to build a sm...