All content here is news and views and is purely for general information about the financial and technology sector and does not constitute specific or general advice.

Is this the beginning of the end of commissions in financial services ?



The butterfly flapping its wings to a hurricane is an oft used analogy for change. And so, after almost 20 years of the internet becoming mainstream, will we now also start seeing the end of…

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Deposit Platforms-Who is keeping the banks honest ?



We are all now having to cope with lower interest rates on cash funds. So how do you ensure that you achieve best practice in placing term deposits: Transparency – Are you getting the full…

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The Humble Startup



We felt compelled to share the thoughts of a true innovator and change agent. Michael Jordaan not only ran a very large bank, but he also inspired and changed their culture to adopt innovation at…

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Yes, Even with these low rates, you still need to hold cash !



As expected, the RBA has passed another reduction in the cash rates. But unfortunately, all businesses still need a cash buffer even at these levels. So what to do.? Its time to change the game and…

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Market Insight-Investigative Journalism



For the best investigative journalism in Australia, we found Michael West to be absolutely amazing. Keep this bookmarked.

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The Right Royal Omission



Without doubt the Banking Royal Commission will dominate conversations for a while yet with both pro and against parties having valid arguments. If the law of averages is to be believed, then the…

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Royal ? Productivity Report



It's all in the Productivity CommissionAmongst the plethora of reporting around the Banking Royal Commission (“RC”) in 2018, another substantive report battled to receive the media…

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Snapshot of Market Data



With limited available time, we have attempted to provide a quick overview with links to what we think is relevant and interesting data influencing liquidity. This is mainly extracted from external…

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The definition of Cash may surprise you !



What is cash ? If that seems like a silly question, then consider this. In an effort to increase yields, many funds and asset managers have expanded their “cash” holdings to include…

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How Free is “Free”



Commissions must have been introduced a few seconds after the big bang. It certainly seems as old as time itself, and is a fixture of life. Or is it. ? If anything came from the Banking Royal…

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Australian banking over the last 30 years



The sorry tale of our big banks This is a really interesting insight into Australian banking over the last few decades. It highlights that all market corrections tend to swing back to the norm very…

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Comparison of Ratings agencies



An overview of the ratings per ratings agency Credit ratings   Moody’s Standard & Poors Fitch Investment grade Strongest Aaa AAA AAA Aa AA AA A A A Baa BBB BBB…

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Is the storm about to break? When will bank customers change?



In January 2017 I wrote this article after listening to a number of fintech’s views on how customers don’t like change. This was before the Banking Commission was a twinkle in the eye. It…

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About the Deposit Market



A quick background on term deposits and interest rates in Australia. I promise, I will keep it short. There are more than 140 banks in Australia. Yes… It sounds crazy, but its true! Each bank…

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Capital Decay



Investopedia defines Capital Decay as “ Capital decay is an economic term referring to the amount of revenue that is lost by a company due to obsolete technology or outdated business practices.…

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How to source the optimal deposit interest rate easily and transparently.



Conflicting stories abound regarding the future of deposit and cash rates and combined with the plethora of bank deposit products, it is very challenging for organisations to find the correct…

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Bank Funding (WIP)



Davis (2011) notes that residential loans made up close to 60 per cent of Australian banks’ total loan portfolios in 2009, but less than 40 per cent in the United States and Canada, and 15 per cent…

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Corporate Cash Puzzle or Conundrum



How do business compute what is the optimal cash holdings ? I came across this fascinating research report (Why do Companies Hold Cash?,Gianni La Cava and Callan Windsor) that examines the question…

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