Financial Services

Superannuation reform – where to from here?

With the Federal Election run and won, and Parliament set to resume, attention will once again focus on tax reform, and, in particular, what will happen in relation to the…

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No Wallet, no worries: a day in the cashless society

The use of cash is in decline with card and mobile payments on the rise. While we may not be living in a cashless society just yet, we can start…

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The ‘super’ gender gap: a significant issue for equality in retirement

The proposed super changes in May were the most contentious part of the Federal Budget, and – depending on what newspaper you read – may have contributed to the Coalition’s…

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The only competitive differentiator today for financial advisors is to be customer focused

The age of the customer has well and truly arrived. A time where machines or technology (yes it’s their time too) is an enabler of customer-centricity; a partner to any…

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The New Payments Platform: 24/7 financial plumbing for the economy of the future

It’s a sunny Sydney Sunday afternoon. The BBQ is burning, drinks are the flowing and someone has just taken a cracking catch in the backyard cricket game. And then, inevitably,…

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A regulatory sandbox will make fintech innovation as easy as child’s play

A regulatory sandbox for fintech startups to develop their products is a major development that puts Australia at the forefront of an important emerging industry. Wednesday’s release by the Australian…

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Organisations that put customers at the centre of digital interactions win their business

When Prime Minister Malcolm Turnbull said at a recent Westpac anniversary lunch that, “banks need to very publicly demonstrate that their values of trust, integrity, placing the customer first in…

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Let’s not tie up our robo-advisers in too much red-tape

ASIC’s new guide on digital financial advice must strike a balance between innovation and protection. Increasingly complex Australian superannuation, tax laws and social security, coupled with low financial literacy and…

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Major Banks: from fair weather to headwinds as fortunes shift and capital requirements bite

Australia’s big four banks (“majors”) reported an aggregate three percent fall in profit in the first half of 2015-2016, attributed to two major factors: increasing non-performing loans and higher capital…

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Paul Howes on superannuation: a central and sacrosanct pillar of retirement

Superannuation is a central pillar in Australia’s retirement incomes system. If it wasn’t for the deferment of wages into compulsory retirement savings, meeting the challenges facing an ageing population would…

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The 10 Commandments of Financial Risk Management: hedge in haste – repent at leisure

For Corporate Treasurers and Finance Officers who manage financial risks, there are no rule books or prescriptive regulatory guidelines of how the risks should be handled.

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Alternative finance: a tiny firecracker that’s about to explode

When it comes to evaluating the rise of fintech in Australia and indeed the Asia Pacific region, we can learn a lot from Bill Clinton’s 1992 election campaign slogan: “It’s…

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Superannuation: wealth accumulation achieved, now time to focus on retirement outcomes  

The most important and far-reaching developments often come in seemingly innocuous guises. This week saw one such event in the superannuation industry – one which could have a major influence…

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