Why the lure of a free lunch today may cost you more tomorrow

Many investors enjoyed a rewarding 2019 in the equity market. But the dream run came to a shuddering stop during March. Since market circuit breakers were introduced in 1987 trading …

In a post royal commission environment, price isn’t everything

In a world where constant changes and an increasing compliance burden on both lenders and brokers are the new norm, careful consideration and implementation of policy and process changes post-royal …

To engage or not to engage. Is that even a question?

Companies pursue the holy grail of improving customer engagement, but often without fully understanding what the term really means, and sometimes pursuing engagement with customers purely for its own sake. …

Why there’s more interest in Sweden than we’ve seen for years

In the late winter of 2015, Sweden under its then-new Prime Minister Stefan Loven – ex-welder, ex-unionist and minority Government holder – became the first country to enter negative interest …

What game theory teaches us about customer service

Two men are arrested after holding up a bank and held separately for questioning by the police. How should each of the thieves behave to achieve the optimal outcome? And …

September Is The Cruelest Month

September has now come and gone and if you are working in one of Australia’s retail banks and are not one of the chosen few, or are not very confident …

The Death of the Branch – and the Broker?

Innovation in the home loan industry is seeing the emergence of fintech companies offering a completely mobile experience in the mortgage lending process. Clickloans in Australia and Streamloan in the …

The Euthanasia Of Passive Investment

Look, this is a long and pretty boring article and contains a fair amount of economics. It’s only worth reading if you are wondering about whether the Australian pension system …

What’s on Advisers’ Minds in 2016?

Excerpt Financial advisers are facing a raft of changes in 2016 that present both threats and opportunities to their future and their business. From a regulatory perspective, draft legislation on professional standards …

Customer vs. Product centric: Why your customer must come first

In business, it’s easy to prattle on about yourself, your products and services. The problem is, in our uber-competitive world, talking about yourself to customers is exactly what won’t win …

Strategy vs execution: Why “just doing things” isn’t an effective way to run your marketing

There are two distinct schools of thought when it comes to marketing strategy: those who plan and those who don’t. The marketing pundits from the first school believe strategy development …

Self-regulation: too little too late?

The new Life Insurance Code of Practice is hot off the press from the FSC. But will it resonate with consumers after an extended bout of bad publicity? According to …

Securitisation — The Comeback Kid?

The term securitisation brings back bad memories of the 2008 financial crisis and in many ways the Great Recession served to tarnish the reputation of the complex financing tool. But …

Super, stop talking about retirement

If super funds have any hope of engaging the younger generations, they have to stop talking about retirement. CoreData’s 2016 Member Engagement Research, published today, suggests around three in five …

Mortgage Stress, Just a Rate Rise Away

The persistently low interest rate environment, coupled with rising house prices, has had an interesting impact on the household debt position of Australians. While presenting some insights from CoreData’s latest …