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.

Snapshot of Market Data


With limited available time, we have attempted to provide a quick overview with links to what we…


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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…


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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…


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Comparison of Ratings agencies


An overview of the ratings per ratings agency Credit ratings   Moody’s Standard &…


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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…


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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…


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Capital Decay


Investopedia defines Capital Decay as “ Capital decay is an economic term referring to the amount…


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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…


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Bank Funding (WIP)


Davis (2011) notes that residential loans made up close to 60 per cent of Australian banks’ total…


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Corporate Cash Puzzle or Conundrum


How do business compute what is the optimal cash holdings ? I came across this fascinating…


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