Banking

The big four bank is being sued by ASIC for alleged breaches of the Credit Act.

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The big four bank is being sued by ASIC for alleged breaches of the Credit Act.

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Making sense of the big banks’ latest move into BNPL and Afterpay’s attempt to bite back. 

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With major banks fully embracing the appeal of Buy Now, Pay Later apps, the pressure is on.

Wealth Within chief analyst Dale Gillham said that while the war between Australia’s biggest banks and Buy Now, Pay Later operators is heating up, it’s been something of a slow burn.

“The big four banks are good at sitting back and watching others take the risk to develop a market before entering, and this is very much what they have done in the BNPL space,” he said.

Recent months have seen more and more traditional Australian banks put their own spin on zero-interest and instalment-based credit.

“Two weeks ago, Westpac joined CBA in offering a zero-interest credit card aimed squarely at the same marketplace as Afterpay.

“Given this, I suspect it won’t be too long before ANZ and NAB join the party,” Mr Gillham predicted.

Meanwhile, market leader Afterpay has taken steps towards becoming more like a bank with the launch of its new Money app.

Despite this, Mr Gillham is sceptical that it’s enough of a reason for those who hold shares in the company to double-down.

“While I commend Afterpay for releasing this new product, now is not the time to enter this stock,” he said.

According to him, lending remains an area where the banks have a distinct advantage over brands like Afterpay.

“It is one thing to provide a service where individuals can buy an item and pay for it over a month, but Gen Z and millennials also need to be able to borrow for housing and other loans,” he said.

Mr Gillham added that the increased scrutiny towards the BNPL sector from regulators is another potential boon for traditional banks.

“Another advantage the banks have is that they are already regulated with well-established compliance systems,” he said.

“That said, the banks can be old, stale and slow to move as they are all big elephants with old systems, while the BNPL space is the new frontier,” he added.

Mr Gillham argued that ASIC has made it clear that they are looking into regulating this market, “which is likely to add red tape for BNPL organisations, resulting in reduced profit margins”.

While the “obvious winner” of increased and ongoing competition between the big banks and BNPL will be consumers, investors may also come away ahead if they play their cards right.

“Right now, while some of the stock prices for the BNPL providers are not doing very well, I would still watch this space given that in 2022, it is likely we will see some nice movement, especially with the larger providers,” Mr Gillham predicted.

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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2021-11-14 23:27:08" ["slug"]=> string(41) "17653:big-banks-vs-bnpl-what-happens-next" ["parent_slug"]=> string(16) "271:borrow-money" ["catslug"]=> string(11) "275:banking" ["event"]=> object(stdClass)#6889 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(0) "" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(326) "

Making sense of the big banks’ latest move into BNPL and Afterpay’s attempt to bite back. 

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Commonwealth Bank has acquired a minority stake in US-based H2O.ai.

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Commonwealth Bank has announced it has taken a minority stake and entered into an exclusive partnership with artificial intelligence platform H2O.ai.

The bank led a US$100 million ($135 million) funding round for H2O.ai that gives the Silicon Valley-based company a pre-money valuation of US$1.6 billion ($2.16 billion).

CBA said it would roll out H2O.ai’s cloud-based machine learning platform AI Cloud across the organisation, including its data scientists, data engineers and business users.

“The partnership will further differentiate and extend our artificial intelligence capability to better anticipate customer needs and reimagine products and digital experiences to meet those needs,” said CBA CEO Matt Comyn.

“This partnership will accelerate our ability to deliver a broader customer proposition through more personalised experiences, which delivers greater value for our customers.”

Mr Comyn said he saw “broad application” for AI and machine learning technology at CBA, including as part of the bank’s operational processes, fraud protection, lending decisions and risk management.

As the exclusive financial services partner for H2O.ai in Australia and New Zealand, CBA will also work with experts from the company to develop new AI solutions.

“This strategic partnership between the leading global AI Cloud movement and Australia’s largest bank will unleash the juggernaut of co-innovation in AI for payments and further democratise AI with trust and freedom,” said H2O.ai founder and CEO Sri Ambati.

“Our vision is not only to make CBA an AI superpower but make Australia an AI nation as we move to life after COVID.”

The tech investment follows CBA’s announcement last week that it will soon launch crypto trading within its banking app.

CBA chief data and analytics officer Dr Andrew McMullan said the partnership with H2O.ai would be beneficial to its retail and business customers.

“Through this partnership, we will be able to better help customers find personalised and relevant offers to save money while they shop across platforms like Little Birdie, Karta, CommBank Rewards, and Klarna, while at the same time driving sales for merchants,” said Dr McMullan.

“H2O.ai will also help us to better predict bills and forecast cash flows for both retail and business customers so they can plan ahead.”

H2O.ai said its platform is currently used by over 20,000 organisations globally, including more than half of the Fortune 500, and one million data scientists.

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Commonwealth Bank has acquired a minority stake in US-based H2O.ai.

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Read this first" ["alias"]=> string(42) "breaking-up-with-your-bank-read-this-first" ["introtext"]=> string(358) "

There are a few questions you should ask yourself before you break up with your bank and start looking for a better one.

Write comment (0 Comments) " ["fulltext"]=> string(4159) "

You shouldn’t let your bank take your business for granted, but neither should flee at the first hint of a rate rise.

Speaking to nestegg, 86 400 CFO Belinda Hogan said that there are a number of things that consumers need to keep in mind before changing banks.

Firstly, she recommended taking a closer look at the fine print associated with your current bank and determining whether leaving will involve any fees.

“Bank terms and conditions vary, and you should spend time reading through these before you make a commitment,” Ms Hogan said.

Once you’ve calculated the baseline costs of moving your money, you’ll have something to keep in mind when you’re shopping around for a better deal.

While banks are often seen as something of a utility and a necessity, Ms Hogan emphasised the importance of thinking of them as a product and whether they meet your needs.

“Compare the rates of fees and charges, and make sure your money will be accessible in the ways you want — whether that be through online, over the phone or in person,” she suggested.

Asked what consumers should look for in a bank, Ms Hogan said that the first thing that consumers should consider is whether a bank’s products seem geared towards helping consumers save money.

“In today’s low-interest rate environment, cultivating strong savings habits and reducing spending where possible will be far more effective in the long term than small differences in interest rates,” she said.

Specifically, Ms Hogan said consumers should consider whether a potential bank will make it easier to set savings goals, keep track of bills and set up their money in a way that suits their needs.

“If you’re someone who regularly withdraws money, it’s important to look at the conditions surrounding them. Look into whether there is a limit on withdrawals per month, and if so, what is it and how much will you have to pay if you cross it,” she said.

Once you’ve found an offer that’s competitive with your current bank, Ms Hogan said that it could pay to run it by your existing one.

“Share the competitive offer you find with your existing bank — it might offer you a better deal to retain your business,” she explained.

If they can’t win you back, they can’t win you back. But it costs nothing to ask, and it can leave you better off in the long run.

If you do decide to break up with your bank and find another, Ms Hogan recommended opening your new account at least a week or two before you plan on making the final switch in order to see if reality delivers.

For peace of mind, Ms Hogan said that it could be worth making a few online purchases with your new account before you start the process of sharing your new account details with your employer and any bills that are direct debits.

“Don’t forget subscriptions on your card like Netflix and Spotify,” she added.

Even if you’re happy with your new bank, Ms Hogan warned against the perils of closing your old account too quickly.

“It may take longer than you expect to update direct deposit and automatic billing instructions. Wait at least a month or two to be sure that everybody is using your new account information.” 

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There are a few questions you should ask yourself before you break up with your bank and start looking for a better one.

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Financial hardship approvals are in decline as the banking sector adjusts to life after lockdown.

Write comment (0 Comments) " ["fulltext"]=> string(3600) "

With major lockdowns in NSW and Victoria at an end, financial hardship indicators look set for a similar decline.

According to new data released by the Australian Banking Association (ABA), the spike in financial hardship approvals which began earlier this year is likely past its peak.

While the ABA said that almost 69,000 customers received hardship assistance since July 2021, just 12,000 hardship assistance approvals had been added to the tally in the last month.

Following a peak in early August, the industry body noted that September was the smallest month for hardship assistance approvals since July 2021.

ABA CEO Anna Bligh said that it was reassuring to see more and more Australians find their financial feet as the economy reopens.

“Banks have been on-hand to assist their customers throughout the pandemic, however, it’s heartening to see the need for assistance declining as many states and territories come out of lockdown and as borders begin to open,” she said.

Ms Bligh noted that the majority of hardship approvals came from customers in NSW and Victoria.

“However, we did see thousands of customers across the rest of Australia seek support and talk to their bank,” she added.

In response to the challenges of the pandemic, the ABA has also released new financial difficulty guidelines for member banks.

This initiative is aimed at supporting customers in financial difficulty by promoting and standardising best practices among financial institutions when it comes to responding to customers’ unique personal and financial circumstances.

“The practices in this updated guidance demonstrate the commitment banks have to their customers experiencing financial difficulty and define the practical assistance banks can provide a customer who is unable to repay their debts,” Ms Bligh said.

The ABA noted that while some banks have already begun to implement practices mentioned in the new guideline, others are expected to roll out similar measures over the next 12 months.

Financial Counselling Australia CEO Fiona Guthrie called the new guidelines a positive move from the banking sector.

“It means that bank hardship responses will be more flexible, there will be better communication and more options for people doing it tough,” she said.

Ms Guthrie noted the inclusion and emphasis that the new guidelines place on the notion of a savings buffer.

“A few years ago, a savings buffer was not even on the table. We expect that trials of the new approach, which are underway in some banks already, will quickly show its value,” she said.

“It has never made sense for creditors to expect a person to commit every spare cent to debt repayments because it only sets people up to fail.”

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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2021-11-01 23:22:00" ["slug"]=> string(44) "17597:hardship-figures-wane-as-lockdowns-end" ["parent_slug"]=> string(16) "271:borrow-money" ["catslug"]=> string(11) "275:banking" ["event"]=> object(stdClass)#6922 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(0) "" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(331) "

Financial hardship approvals are in decline as the banking sector adjusts to life after lockdown.

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CBA’s long-running financial literacy program is no more.

Write comment (0 Comments) " ["fulltext"]=> string(4470) "

Following a review by ASIC, the Commonwealth Bank of Australia has decided to call time on its Dollarmites program.

“Because of the ASIC review and these government decisions, we are unable to continue providing programs in schools and we have had to make a difficult decision to close our School Banking program nationally,” CBA group executive for retail banking services Angus Sullivan said.

The school banking scheme, which ran in Australian primary schools for 90 years, was premised on the idea of helping younger Australians develop money management skills and healthy savings habits from an early age.

However, a review of the program by the regulator in 2020 found little evidence that initiatives like Dollarmites have a positive impact on financial literacy or savings behaviour of young Australians.

On the other hand, ASIC found plenty of evidence of sophisticated advertising and marketing tactics being used to target younger consumers.

CBA refuted ASIC’s findings, but the Victorian, ACT, NSW and Queensland governments moved to ban such practices following the release of the review regardless.

Despite these headwinds, Mr Sullivan continued to defend the Dollarmites’ legacy.

“Our School Banking program was established in 1931 at a time when having a bank account was not commonplace, and since then we have helped more than 15 million Australians take their first financial steps,” he said.

Consumer advocacy group Choice welcomed the news.

“The reality is that Dollarmites was a very effective marketing program, signing up primary school aged-children to a life-long relationship with the Commonwealth Bank,” CHOICE CEO Alan Kirkland said.

Mr Kirkland said one of the most important lessons that children need to learn about banking is the importance of shopping around for a good deal.

“We’re glad to see the NSW Government join other states and territories in banning Dollarmites and replacing it with a government-run financial literacy program focused on real world budgeting examples,” he said.

Speaking to nestegg, Greens NSW MP Abigail Boyd said that it was outrageous that Australia's education system had been treated as a playground for big banks.

"Our schools and children will be better off without Dollarmites, and with real financial education in its place," Ms Boyd said.

“ASIC’s scathing report proved beyond a shadow of a doubt that programs like Dollarmites are neither altruistic nor educational, they are disingenuous schemes that exploit children as future sources of private banking revenue."

In February 2021, Boyd moved a motion to ban school banking in NSW. This motion was ultimately voted down, but the NSW state government has since changed its tune on the issue.

In light of that delay, Ms Boyd said that the current minister for education had taken an irresponsibly long time to decide on the ban.

"I first raised ASIC’s findings with the Minister in February — it’s taken the Department this long to work out that they don't know better than ASIC while the likes of CBA continue to exploit our children with their marketing," she said.

Going forward, CBA said that it plans to move its their focus towards new online education programs.

“For some time, we have been working with a range of experts to evolve our approach to financial education, and will have exciting new tools available to families in 2022 to empower parents and further support young people’s financial wellbeing in a digital world,” Mr Kirkland said.

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string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#6934 (32) { ["id"]=> string(1) "2" ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> string(4) "2351" 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["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(80) "/borrow-money/banking/cba-concludes-dollarmites-as-states-abandon-school-banking" ["image"]=> string(45) "images/article-826x550/CBA-Dollarmites-ne.jpg" ["image_alt"]=> string(11) "Dollarmites" } }