Digital Finance Analytics (DFA) Blog

Data today showed Germany went into recession earlier in the year, and yet the ECB is firmly backing more rate rises. And US recession expectations are still on the horizon, even if a bit later, as rate rises bite. From New Zealand and beyond, recession is expected – and it seems unlikely Australia can resist. … Continue reading "The Recession We’ve Gotta Have! [Podcast]"

The Federal Government has [finally] declared Buy Now Pay Later products as credit products and has outlined a path to regulation in the months ahead, recognizing that the products can harm customers. Big players like CBA pushed the Government into a more gentle regime than I think is idea,, but at least its a step … Continue reading "The Regulation Of “Duck Quacking” Buy Now Pay Later Loans! [Podcast]"

The latest from our Property Insider, Edwin Almeida. we look at the latest numbers, how Governments are trying to “support” the market, and what happens when we get recognized…. https://www.ribbonproperty.com.au/ http://www.martinnorth.com/ Go to the Walk The World Universe at https://walktheworld.com.au/

We look at the latest Senate hearings on Regional Branch closures, and discuss the continued misdirection coming from the cost-cutting banks – justified – so called – by the migration to digital banking. But as discussed during the hearings, the banks do not want to talk about what they are doing, and a peoples bank … Continue reading "More Digital Banking BS… [Podcast]"

Just a couple of days ago, markets bounced on the back of hopes talks on raising the US debt limit were in play, on growing confidence a deal to raise the $31.4 trillion debt limit could be reached in coming days, with the benchmark S&P 500 climbing more than 2%. But as this came to … Continue reading "More Debt Ceiling Handbrake Turns Casts A Volatile Outlook… [Podcast]"

This is an edited version of my latest live stream, featuring Leath van Onselen, joint founder of Macrobusiness and Chief Economist at Nucleus Wealth. We explored the consequences of the massive waves of migration now forecast in the budget pages (hidden in an appendix) and the potential impact of home prices and quality of life. … Continue reading "DFA Live Replay With Leith van Onselen: Housing And The Population Ponzi [Podcast]"

I caught up with Steve from Canstar to discuss the latest mortgage rate moves, and how this is playing out across households and banks. With the expectation that rates might well go higher still, what can be done? https://www.canstar.com.au/team-members/steve-mickenbecker/ http://www.martinnorth.com/ Go to the Walk The World Universe at https://walktheworld.com.au/

The financial markets have been fighting the Fed since October of last year, especially since the start of this year, in two ways. The first involves bidding-up stock prices in anticipation of a ‘Fed pivot’, which is probably a self-defeating strategy. The second involves factoring lower interest rates into bond prices. The backdrop is mounting … Continue reading "Risk Upon Risk Upon Risk: Market Update 13th May 23 [Podcast]"

Our latest Friday evening chat with Tarric Brooker. We answer follower questions on the mortgage market. And we got into some deep discussion about where prices may go! Slides we discussed. https://avidcom.substack.com/p/charts-and-links-from-appearance? http://www.martinnorth.com/ Go to the Walk The World Universe at https://walktheworld.com.au/

ASIC is warning credit providers and debt management firms that strong, targeted action against predatory lending, high-cost credit and misconduct impacting consumers experiencing financial difficulty is expected in the coming months as part of its continuing focus on protecting consumers. Timely, given the high cost of debt, and the pressure many households and businesses are … Continue reading "A Predatory Lending Crackdown [Podcast]"