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Financial services industry

Article

29 Oct 2017

This newspaper article considers developments towards 'open banking' in New Zealand. It discusses the implications of "fintech" companies  which operate app-based subscription services. Three such"open banking" services are due to launch in the next few months. The author considers they will ...

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Discussion paper

16 Oct 2017

The National Financial Literacy Strategy (National Strategy) provides a framework to guide financial literacy initiatives. The National Financial Literacy Strategy 2014–17, led by...

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Journal article

02 Oct 2017

Running a business has its risks, especially as many fail in their early years of operation. The question as to which stakeholders associated with the business bear the loss is an important issue, which will largely depend on the business structure used. Accountants play a central role in the...

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Report

30 Sep 2017

This report has been commissioned by Industry Super Australia (ISA) to assist it in responding to the Productivity Commission’s (PC) three stage review into the efficiency of the Australian Superannuation system. The purpose of this report is to examine switching trends of superannuation members...

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Discussion paper

20 Sep 2017

Group insurance in superannuation and particularly its automatic issuance on an opt-out basis has been a successful policy for Australia which has resulted in better risk protection for Australians from all walks of life. It provides a safety net to millions of Australians who would have...

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Report

20 Sep 2017

This report highlights that whilst alternative finance remains small as a proportion of overall credit outstanding in the financial system of many countries, it is growing rapidly. Australia is fast becoming a regional leader (behind China), which is evidenced by the substantial growth of...

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Report

15 Sep 2017

Twenty years on from the Asian Financial Crisis it is timely to assess how the region is placed to manage and mitigate risks of economic crisis, and to consider Australia’s role in this. This analysis frames the policy options Australia faces through imagining a potential future scenario where a...

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Report

14 Sep 2017

On 3 July 2017 CPA Australia released Terms of Reference and named members of an Independent Review Panel (Review...

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Discussion paper

06 Sep 2017

ASIC has the power to ban individuals from providing financial services in certain circumstances, for example, where the individual has breached a financial services law, has been convicted of fraud, is not of ‘good fame or character’, or is not adequately trained or competent to provide...

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Discussion paper

24 Aug 2017

This consultation paper seeks feedback from insurers, credit providers, car dealers, insurance and finance brokers, consumers, consumer representatives and other interested parties on options for reform to the sale of add-on insurance and warranties through caryard intermediaries.

...

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Report

10 Aug 2017

Insurance touches many aspects of human activity. Adequate insurance cover is integral to protecting consumers' most valuable assets and to maintaining and protecting the living standards of all Australians and the economy overall. As seen in the wake of a number of natural catastrophes,...

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Report

02 Aug 2017

In line with global trends, cash and cheque use is dropping as consumers continue to choose digital payments. Australians are embracing the convenience of ‘contactless’ cards, online shopping continues to grow and mobile payments are gaining traction. 

The steady rise in online shopping...

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Discussion paper

01 Aug 2017

The report finds that the number of fintech startups in Australia has increased from less than 100 in 2014 to 579 companies today, with around 60 percent of all fintech companies basing themselves in Sydney.

The range of sectors has also diversified substantially, with 10 fintech...

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Discussion paper

21 Jul 2017

This report, by The Australia Institute’s Senior Research Fellow, David Richardson, shows that, according to ATO data, the equivalent of 21.6 per cent of Australia’s national income was run through a trust.

The latest ATO figures show there are 823,448 trusts with assets of $3.1 trillion...

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Briefing paper

19 Jul 2017

The 2014 Financial System Inquiry (FSI) endorsed the benefits of a strong and well capitalised banking system and recommended that APRA set capital standards such that capital ratios of authorised deposit-taking institutions (ADIs) are ‘unquestionably strong’. The Australian Government...

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Report

12 Jul 2017

AUSTRAC assesses that Australia’s securities and derivatives sector attracts a wide range of criminal threats that often involve sophisticated tactics and methods. Serious and organised crime groups have exploited the sector to launder money and engage in market manipulation. The criminal threat...

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Discussion paper

04 Jul 2017

The research finds that the banks are not only very capable of paying the 0.0036% levy on the same liabilities that the federal government levy is based on, but also that the levy is good economics, justified by the unique structures governing banking in Australia which help make it the most...

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Report

01 Jun 2017

This report provides an overview of the marketplace lending industry, based on the findings from ASIC’s survey of a limited cross-section of marketplace lending providers in November 2016.

This report explains:

  • marketplace lending and current regulation;
  • how we
  • ...
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Report

02 May 2017

AUSTRAC assessed the overall risk associated with the use of stored value cards (SVCs) to be medium, and their vulnerability to criminal misuse to be high. The report found that the risk level of individual SVCs varies significantly depending on the features of the specific product. Travel cards...

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Audio interview

28 Apr 2017

Westpac has effectively blocked any funding to the controversial Adani coal mine after overhauling its policies for the bankrolling of new thermal coal projects. Australia's second biggest bank has updated its climate change policy where it will only finance new projects in existing, rather than...

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