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string(5) "17487"
["title"]=>
string(72) "APRA’s mortgage crackdown, the power of DeFi and last-minute tax tips "
["alias"]=>
string(68) "apra-s-mortgage-crackdown-the-power-of-defi-and-last-minute-tax-tips"
["introtext"]=>
string(195) "
In this episode of The nestegg Podcast, host Maja Garaca Djurdjevic checks in with our three experts to talk through the biggest stories regarding property, superannuation and investing.
" ["fulltext"]=> string(1020) "Steve Waters, director of Right Property Group, chats about APRA’s latest move which will see the borrowing capacity of millions of Aussies decrease. He shares if and how the regulator’s decision could impact the market.
Meanwhile, RMIT’s senior lecturer of finance, Dr Angel Zhong, chats about decentralised finance and how it compares to bitcoin.
Lastly, our regular tax and super expert Timothy Munro discusses the importance of a financial adviser amid a raft of changes to super and gives his last-minute tips to Aussies yet to lodge their tax returns.
Have a question for our experts? Get in touch at [email protected] and you might get featured on the next episode.
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string(5) "17384"
["title"]=>
string(46) "How to tell if you have too many bank accounts"
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string(46) "how-to-tell-if-you-have-too-many-bank-accounts"
["introtext"]=>
string(320) "
It’s easy to open a new bank account, but hard to know if you have too many.
Write comment (0 Comments) " ["fulltext"]=> string(3161) "There are good reasons to divide and conquer your financial goals on multiple fronts, but having more accounts can often make managing expenses that much harder.
Unfortunately, there’s no magic number or silver bullet to be found here. Right up front, 86 400 CFO Belinda Hogan told nestegg that the right number of bank accounts is going to vary from person to person.
“There’s no right or wrong,” she said, arguing that it’s about finding the right number of accounts that suits your lifestyle.
Some prefer to split their transactions across accounts dedicated to short, medium, long-term and emergency expenses. Others prefer to opt for a shared account with their significant other. There’s no one-size-fits-all solution and what works for one individual and in one situation may not work elsewhere.
That being said, if you feel like you’re juggling too many different bank accounts, there’s a good chance you are.
“Obviously, if having too many bank accounts makes you feel stressed and anxious, looking to consolidate those would probably be useful,” Ms Hogan said.
Drawing on data collected by the neobank, she revealed that the majority of 86 400 users have around four bank accounts.
Meanwhile, more than 10 per cent had between 11 and 15 different bank accounts.
Personally, Ms Hogan calls seven accounts the sweet spot. However, she’s quick to add that “it will be different for everybody”.
“Other people might find that a little bit pedantic and might look a bit more of a fluid approach. It is really just what suits you and your money, I guess,” she said.
For those looking to cull the number of bank accounts they have, Ms Hogan recommended starting with a list of all your expenses and where they’re going. Once you have that, it’s just a matter of figuring out what suits you.
She encouraged consumers to play around with it.
More bank accounts means more paperwork at tax time and more legwork if you’re looking to rein in your spending. However, trying to Marie Kondo your bank accounts could easily see you settle for a sub-par product or a less-than-ideal interest rate.
“If it’s working for you, great. If it doesn’t, don’t be afraid to change it as well, especially if having too many is causing you a bit of stress and anxiety,” she said.
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["alias"]=> string(53) "neobanks-v-big-banks-who-delivers-faster-transactions" ["introtext"]=> string(314) "Neobanks are leading the way when it comes to transaction speeds.
Write comment (0 Comments) " ["fulltext"]=> string(3121) "New data released by Frollo has revealed just how Australia’s traditional and neobanks compare when it comes to transaction response time.
While the average response time for transactions sat around 692 milliseconds, Frollo found that the majority of financial institutions fell below that benchmark.
“Overall, seven out of 22 brands returned the data in less than 10 seconds and the average across all brands was just under 700 milliseconds,” the company noted.
The metric being used by Frollo here measures how quickly a financial institution can return all transaction data for an account on average, with lower speeds being indicative of a more responsive and robust banking infrastructure.
Of the big banks, only Suncorp, NAB and the Commonwealth Bank of Australia came in under the average.
Between 86:400 and Up, the former walked away with the crown at 235 milliseconds versus 331 milliseconds.
Macquarie Bank was also singled out by Frollo’s assessment of transaction response times. It ranked last on the list, with a response time of 4,734 milliseconds. This put it well behind Qantas Money, which came in second-last with 2,667 milliseconds.
Measured by response time for pulling up basic account data, Up came out ahead with a 107 millisecond response time.
The neobank was followed by NAB, who averaged 456 milliseconds.
“In total, eight brands were able to return account information in less than 10 seconds, six took more than 20 seconds,” Frollo said.
Just five banks managed to beat the average of eight seconds, Frollo found.
The final assessment of speed that Frollo applied to Australia’s open banking ecosystem as part of their research was response time for balances across multiple accounts.
As with transaction responses, the fintech found that Up delivered bulk balance data in less than a second, with an 86-millisecond turnaround time on average.
84:400, Beyond Bank, NAB, Macquarie Bank and Regional Australia Bank all rated below the average of 814 milliseconds.
On the other hand, Frollo found that five brands took more than 20 seconds to provide bulk balances.
“Neobanks Up and 86:400 are leading the way with fast APIs, taking less than half the time than most other banks to deliver CDR transaction data,” the company noted.
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digital transactions, with almost 30 per cent said to have engaged in a new banking relationship with a financial institution or non-bank service provider during the COVID-19 pandemic.
Write comment (0 Comments) " ["fulltext"]=> string(4069) "The move towards new relationships has come alongside an acceleration towards digital transactions — the pandemic has encouraged 36 per cent of respondents to increase their use of QR codes when shopping in-store and 24 per cent to increase their use of contactless payments.
The trend to abandon “old ways” of banking has been characterised by the younger generations, with 52 per cent of Gen Zs and 63 per cent of young Millennials noting in a recent FIS survey that they have started a new banking relationship in the past 12 months.
The same was only true for 11 per cent of Baby Boomers.
Furthermore, 89 per cent of young Millennials interviewed own a mobile wallet, versus 35 per cent of Baby Boomers.
Ninety-nine per cent of the young Millennials who were said to have owned one have used it in the past 30 days.
Across the board, a key motivator was the desire for better benefits, with 31 per cent of respondents citing this as their key reason for entering new banking relationships.
However, the increased willingness to move towards digital banking relationships seen among younger generations was shown to also come from a position of need. Sixteen per cent of young Millennials said they are most in need of access to real-time payments immediately, with 26 per cent admitting this was at least needed within six months.
FIS said that the results of the study demonstrated how banking and non-banking institutions will need to prioritise optimal digital experiences to capitalise on an evolving market.
“Australian consumers have responded to the pandemic by seeking better banking experiences and are now prioritising digital,” said Adrian Toynton, banking solutions head at FIS.
“As competition in the banking sector intensifies — with new tech-savvy entrants winning market share and consumers quick to enter into new banking relationships — it is absolutely critical for banks to offer a compelling customer experience from the get-go.”
As the pandemic continues, it has become increasingly apparent that the trend towards digital banking and payments is here to stay — only 7 per cent of respondents indicated they were gradually returning to the “old ways” of banking.
Breaking this up demographically, FIS highlighted the importance of focusing on how younger consumers will continue to bank following the pandemic — 13 per cent of Baby Boomers said they were likely to return to conducting transactions in branches, whereas only 2 per cent of Gen Z and 4 per cent of young Millennials indicated the same.
“To retain and win new customers, banks must modernise their platforms and harness advanced technologies, including cloud and API-enabled banking, to provide a seamless, always-on experience,” said Mr Toynton.
“Banks should also keep finger on the pulse of the habits and preferences of Gen Zs and young Millennials, who are undoubtedly a crucial demographic that will determine what next-gen banking looks like moving forward.”
The changing nature of the Australian banking payments landscape has recently prompted the federal government to conduct a new review of the system at large.
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Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#6551 (32) { ["id"]=> string(1) "1" ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["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) "2018-08-29 05:26:30" ["created_user_id"]=> string(4) "2355" ["ordering"]=> string(2) "-1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#6312 (3) { ["data":protected]=> object(stdClass)#6326 (1) { ["options"]=> object(stdClass)#6324 (2) { ["options0"]=> object(stdClass)#6323 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#6325 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#6322 (3) { 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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(64) "/borrow-money/banking/digital-banking-boom-catalysed-by-covid-19" ["image"]=> string(48) "images/article-826x550/online-banking-app-ne.jpg" ["image_alt"]=> string(42) "Digital banking boom catalysed by COVID-19" } [3]=> object(stdClass)#6201 (56) { ["id"]=> string(5) "17307" ["title"]=> string(70) "ABA praises payments system review, citing ‘unprecedented changes’" ["alias"]=> string(63) "aba-praises-payments-system-review-citing-unprecedented-changes" ["introtext"]=> string(391) "The banking industry says that the federal government’s review of Australia’s payments systems couldn’t come at a better time.
Write comment (0 Comments) " ["fulltext"]=> string(5150) "The Australian Banking Association (ABA) has come out in support of the federal government’s latest review of the Australian payments system, framing it as a necessary response to widespread innovation and disruption in the sector.
ABA chief executive officer Anna Bligh said that existing regulations in the sector had served Australia well in the past, but she warned that “unprecedented changes in how we pay each other” are only beginning.
“It’s been more than 20 years since our country updated our payments architecture,” she noted.
Ms Bligh predicted that additional changes in the payment system would come as banks and other payment providers adopted new technologies.
Released earlier this week, the federal government’s report into Australia’s payments ecosystem made 15 discrete recommendations designed to improve alignment and outcomes in the sector.
The most significant of these was the enshrining of a greater role for the federal Treasury in the payments ecosystem, and the introduction of new powers for the current federal Treasurer, Josh Frydenberg.
However, the report also telegraphed the need for new regulation to cover emerging innovations in Australia’s payments ecosystem.
“Changes to the way we make payments and the way payment services are provided have presented new risks to the safety, efficiency and effectiveness of payments,” the report noted.
The report said that the digitisation of payments means that many transactions are effectively data transfers, with the broader payments ecosystem becoming a subset of the Australian data ecosystem.
It highlighted that this development has a number of implications on how payments are facilitated in Australia, and how the national payments ecosystem integrates with the economy.
“Digitisation has delivered significant benefits to consumers and businesses by facilitating commerce across the globe, but it has also given rise to a new set of risks and regulatory challenges,” the report said.
The rise of digital wallets like Apple Pay, Google Pay and WeChat Pay is one challenge.
“While they may become systemically important as they grow in use, digital wallets are not designated as a payment system or required by regulation to meet any standards around availability or accessibility,” the report said.
Similar concerns were raised around the growing buy now, pay later sector.
“Given the emergence of BNPL arrangements are a recently new phenomena in the payments ecosystem, it has not been tested as to whether BNPL meets the definition of a ‘payment system’ under the PSRA,” the report found.
Cryptocurrencies also pose challenges to the existing regulatory framework, the report suggested.
“Partly, these challenges are driven by the fact that one cryptocurrency can differ significantly in design which means different cryptocurrencies may interact with (or be outside of) the regulatory framework in different ways,” it continued.
The report said that any responses to these regulatory challenges will require strong co-ordination between regulators and clear policy direction from the government.
“It also requires a flexible framework that allows cryptocurrencies to be brought into regulation should there be a policy requirement to do so,” the report added.
According to Ms Bligh, the payments system “is a major artery running through the Australian economy, so there are few more important tasks for governments and regulators than ensuring the service, safety, strategy and simplicity of that system”.
“There is no time like the present to update the regulations underpinning this vital part of our economy,” she added.
Ms Bligh said that the ABA and the banking industry looked forward to continued collaboration with the government following the release of the review earlier this week.
“The knowledge and capabilities the banking industry has in this area will be critical to assisting the Treasury to design robust regulatory architecture,” she said.
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have the best reputation for dispensing financial advice, but it’s still more popular among Australians looking for said advice than most banks.
Write comment (0 Comments) " ["fulltext"]=> string(2937) "Most Aussies might keep their money in a bank, but more and more are choosing to look elsewhere for financial advice.
A new report by Backbase has suggested that as many as 40 per cent of APAC consumers aren’t confident that their banks act in the best interest of their financial wellness.
Sixty-eight per cent of surveyed consumers said it was “critical” or “important” that their bank supports their financial wellness and puts their interests before profits.
Among Australians, insurance companies, social media and investment firms rated relatively highly as the top information sources for those looking to develop their financial literacy.
In contrast, the websites and mobile apps of Australia’s biggest banks fared poorly.
While 60 per cent of Aussie consumers said that they used their bank’s website and mobile app to manage their personal finances during the last 12 months, only 35 per cent of customers said their bank offered them a personalised and flexible financial solution that met their needs.
“Tellingly, a bank’s website and/or mobile app is ranked in last place as an information source by ANZ consumers,” the report noted.
The research comes at a time when more and more banks are looking to embrace the financial wellness tools used by smaller neobanks and adopting a new mindset in what some experts have called the “engagement banking era”.
Ninety-two per cent of ANZ-based financial institutions included in the survey said that they were either actively expanding or planning to expand their financial wellness capabilities, with 60 per cent calling it a critical priority.
Commenting on the report, regional vice-president for Backbase Asia-Pacific Iman Ghodosi said: “Digital money management and financial wellness is no longer a gimmick and we’re not far from this being the primary interface between banks and their customers across the sector.”
Mr Ghodosi said that legacy institutions are now looking to offer more than just online and app-based banking, incorporating new tools and services around spending analysis, budgeting, savings management and credit score improvement.
“[Consumers] want access to their personal finances, anytime, anywhere, through any channel, and tools on how to manage it; traditional banks are getting left behind and they know it,” he said.
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Write comment (0 Comments) " ["fulltext"]=> string(3498) "Australia’s big banks are increasingly moving to mimic the emphasis that neobanks have brought to the financial wellness niche.
A new report by Backbase has said that many of the financial wellness tools used by smaller neobanks are now being adopted by mainstream financial institutions.
Ninety-two per cent of ANZ-based financial institutions included in the survey said that they were either actively expanding or planning to expand their financial wellness capabilities, with 60 per cent calling it a critical priority.
As per the report, “traditional banking is falling short because it is not helping consumers to manage their finances — notably rising debt and the need to meet savings goals and plan for a secure retirement”.
Backbase said that COVID-19 has only highlighted the needs of consumers for new and more sophisticated digital banking services.
Just 51 per cent of retail banking customers surveyed said that they were satisfied with their access to financial management tools, while 33 per cent said that they weren’t satisfied with the level of personalised recommendations made by their current bank.
Commenting on the report, regional vice-president for Backbase Asia-Pacific Iman Ghodosi said “digital money management and financial wellness is no longer a gimmick and we’re not far from this being the primary interface between banks and their customers across the sector”.
In fact, 74 per cent of retail banking businesses consulted in the report said that they are already using financial wellness tools to encourage customers to build better financial habits.
Mr Ghodosi pointed to the rise of buy now, pay later operators like Afterpay and Zip as a key driver for this, saying that they caught traditional banks by surprise.
“It looks like they don’t want to repeat that mistake with neobanks and their mobile-first personal financial management tools that are already adding value to the lives of many Australians,” he said.
Describing this shift in focus as the start of the “Engagement Banking Era”, Mr Ghodosi said that traditional banks are now looking to re-architect the customer experience from the ground up rather than make siloed tech investments.
“In the platform era of Netflix and Spotify, people want the same high level of customer focus and flexibility for financial services they subscribe to,” Mr Ghodosi said.
He said that legacy institutions are now looking to offer more than just online and app-based banking, incorporating new tools and services around spending analysis, budgeting, savings management and credit score improvement.
“[Consumers] want access to their personal finances, anytime, anywhere, through any channel, and tools on how to manage it; traditional banks are getting left behind and they know it,” he said.
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