Financial Services

Major Banks: Courage required, embracing disruption key to growth

The Australian major banks (the majors) this FY15 reported another record earnings result, but return to shareholders is down as the banks face an accelerating pace of change and compounding…

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MySuper, MyPension, MyMelbourne Cup

Past performance is not necessarily an indicator of future performance with superannuation or in predicting the winner of the Melbourne Cup. Damian Ryan was ‘in form’ last year. Can he…

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Riders on the storm: the state of the insurance industry

Insurance is, by its very nature, an unpredictable business. And this year’s figures prove that all too clearly.

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Cultural change: keeping the baby (and the bathwater)

Boards and management are reflecting on the culture and subcultures of their organisations. They are assessing whether issues exist, their underlying causes and what actions can be taken to evolve…

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Raising engagement with super: As easy as talking more about it

Raising engagement with super is easy: reduce the preservation age, the age when you can access super.

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Insurers need to raise their innovation game

Innovation and disruption are the two current buzzwords of business. Those who don’t innovate tend now to be disrupted. And the insurance sector is a prime example of this.

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Finance Transformation in the Cloud… Are you ready?

“By 2016, at least 25% of enterprise finance organizations will move to cloud for specific CPM processes, and many will use a hybrid approach through a combination of cloud and…

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Insurers follow banks into new era of regulation

There has been much media coverage and profile in recent months over banking regulation – the debate over additional capital requirements post-GFC at both Australian and global levels is still…

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Capital uncertainty dominates in major banks mixed results

The Australian major banks (the majors) have reported a mixed financial result for the first half of 2015. Cash profit after tax totals $15.5 billion for the 2015 half year…

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The super tax debate: is a cap the answer?

The recent Financial System Inquiry (FSI) Report recommended that the Government seek broad agreement of the primary objective of superannuation, namely, “to provide income in retirement to substitute or supplement…

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Telematics: Big Brother unleashed or the way of the future?

From 1 February 2015, NSW courts can force motorists who have been convicted of high range drink driving or repeated low range offences to install mandatory alcohol interlocks in their…

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Show me the money

The days of endless economic booms are behind us. In today’s world, productivity and growth are most likely going to come through innovation. And with a growing momentum for innovative…

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I want it all and I want it now: banking on the future

Generations X and Y will dominate banking and finance for the next decades with their share of financial assets. At just 36 percent in 2010 their financial assets are estimated…

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