Digital Finance Analytics (DFA) Blog
"Intelligent Insight"
We know that first time buyers are sitting on the sidelines, as shown in our recent surveys. The biggest barrier is price. Many are desperate to enter the market and would jump at any additional incentive. No surprise then to see proposals popping up from time to time to try and assist first time buyers. … Continue reading “Why Enticing First Time Buyers With Super Is A Bad Idea”
We continue our series on Loan To Income ratios, using data from our households survey with a look at Brisbane. We start with a geomapping of LTIs across the region. The blue areas have the highest ratios. Here is a list of the highest areas across QLD: Here is a list of the lowest areas … Continue reading “Brisbane Loan To Income By Post Code”
The FSI Interim report, released earlier in the week, includes a section on how technology may disrupt payments, a critical domain in financial services. The report says ” Advances in technology have reduced traditional barriers to market entry in payments, such as the need to construct a dedicated network. New entrants can leverage high levels … Continue reading “The Payments Revolution Around The Corner”
When we released our Small Business Survey, we included a section on the impact of digital business and the internet was having on them. So we were interested in the latest ABS data on IT Use and Innovation in Australian Business. They found that more than one in four Australian businesses had a social media … Continue reading “Digital Business On The Rise – But Potential Untapped”
The RBA released an important report today on The Changing Way We Pay: Trends in Consumer Payments. Their paper contains the results of the third Survey of Consumers’ Use of Payment Methods which was conducted in November 2013. The survey used a diary and end-of-survey questionnaire to collect data on the use of cash, cards … Continue reading “Consumer Payment Trends In Australia – Cash Is No Longer King”