Absolutely maps to our data and findings. 9% of all investors have been investors for less than 12 months. ..Rising crypto, seemingly invincible tech stocks & a clean energy green bubble... We all need to think harder about how to engage. (Engage, not lecture!)

Two years on, apparently not: "[the investigation] did not produce evidence of unlawful discrimination against applicants" on.ny.gov/3vZAqQ6; credit scoring is opaque but explainable, and additional card holders / spouses on the same card hold a different financial profile.

.Private Eye Magazine has an incredible leak around the level of fraud on BBLs - a sample suggested 1/3 are ‘dodgy’ - that’d be c £15bn. City of London Police letter implies no plans to do much about it either. Remember - public money not bank losses here.

This graph from Aleksandra Wisniewska in the Financial Times is remarkable. US data - that seeks to compare relative wealth between generations (Mils, Gen X, Boomers, etc). Great article on prospects for youth and the 'social contract' with older generations. ft.com/content/77d586…

Shopify initially loaned $2000 Banks: “But loans are not going to be make us real money at that level.” The customer: “We found Shopify Capital to be so valuable that we’ve returned for 10 rounds of funding.” Last Shopify Capital round raised was $1m😗 techcrunch.com/2021/04/28/how…

Second, data from Springboard show that footfall at retail locations was 71% of its level two years ago in the week ending May 22. It has been edging down since the week shops reopened, confounding hopes of a further pick-up after the service sector reopening on May 17 (2/3)

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This is such an interesting chart. Music publishers pass through ~75% of revenues to songwriters, while record labels pass through ~15% of revenues to recording artists

Side note: if you are a legacy credit card issuer with your cards in PayPal or ApplePay wallets right now you are playing with fire and just asking to be disintermediated in credit provision.

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I love this - Return On Hassle (ROH). It is such a key driver of consumer behaviour and one which institutions do not consider enough. Performance - price - hassle = value? Thank you for articulating.

Is the logic chaining, purported ease, going to be the differentiator here vs the EU Open Banking based PFMs? I love the complaint use case; I’ve often thought there’s a data gap to systematically reverse engineer utility’s pricing models for consumers to haggle better deals.

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