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Frank Tian
Dec 7, 20221 min read
🏦 Chase pilots a pay-by-bank product
Even it competes with its own credit card. An ACH payment based on open banking Reduces risk of stored banking account info. Chase sees...
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Frank Tian
Dec 4, 20221 min read
🏠 Canadian Mortgage Risk Update
Big 5 banks’ Q4 earnings reports are out. Here is an update of the mortgage book. 👇 It is a very Rough estimate, as each bank reports...
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Frank Tian
Dec 4, 20221 min read
🏠 Canadian Mortgage Risk Snapshot - Q4 '22
Big 5 banks’ Q4 earnings reports are out. Here is an update of the mortgage book. 👇 It is a very Rough estimate, as each bank reports...
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Frank Tian
Dec 1, 20221 min read
From Global to Super Regional (bank mergers)
The world is disintegrating. Then reintegrating. 📌 RBC announced the acquisition of HSBC Canada for $13.5B CAD. Several international...
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Frank Tian
Nov 28, 20221 min read
My Book / Career Advice
Glad to hear my book has been listed as a required reading by a risk solution company for their employees. I am thankful to people who...
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Frank Tian
Nov 25, 20221 min read
Canadians Reaching Tigger Rate
Canadians heard the mortgage trigger rate a lot. How many mortgages have reached that? The answer from the Bank of Canada 👇 Out of a...
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Frank Tian
Nov 22, 20221 min read
📉 Banks Need to Act Now
📉 The macro environment is challenging Not only for fintechs, but also for banks What can banks do now? McKinsey & Company studied 600...
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Frank Tian
Nov 19, 20222 min read
💰 Large Banks, Small Dollar Loans
Wells Fargo is the latest major bank offering small dollar loans. The loans are for $250 or $500 with a flat fee of $12 or $20. The other...
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Frank Tian
Nov 16, 20221 min read
US Household Debt Q3 Update
Q3 saw fast rate hikes and an uncertain future. How is the US household credit doing? Here is the latest Fed report: 👇 US household debt...
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Frank Tian
Nov 16, 20221 min read
US Q3 Update
Q3 saw fast rate hikes and an uncertain future. How is the US household credit doing? Here is the latest Fed report: 👇 US household debt...
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Frank Tian
Nov 13, 20221 min read
💸 The FTX Saga
FTX once played the central bank role in the crypto world. Now it went bankrupt. The aspiring new financial world realizes it still needs...
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Frank Tian
Nov 10, 20221 min read
⛑️ The Pricing Lifeline for Fintechs
⛑️ In the challenging environment BCG throws out a lifeline for Fintechs 👉 Pricing Optimization Pricing is an important tool to keep up...
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Frank Tian
Nov 8, 20221 min read
🎤 Money 20/20 conference
🎤 If you don’t have $5K + 4 days for the Money 20/20 conference, you can always come to LinkedIn. Several content creators are kind...
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Frank Tian
Nov 6, 20222 min read
🏠 Higher Rate to Trigger Rate
🟧 Higher Rate - To Be Higher Bank of Canada (BoC) raised the rate by another 50 bps in Oct - the cumulative hike is 350 bps this year....
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Frank Tian
Nov 2, 20221 min read
💳 I Got a Credit Line Decrease (CLD)
This hasn’t happened in years. I actually got multiple line increases in the last 3 years. Is it a sign of a change in overall consumer...
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Frank Tian
Oct 31, 20221 min read
🇺🇸 Macro: Another Large Rate Hike
As expected, the Fed hiked the rate by another 75 bps today. The cumulative rate increase this year is 375 bps - the fastest in history....
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Frank Tian
Oct 29, 20221 min read
🙅♂️ Loan Application Not Available
A newly launched loan product between a bank and its non-bank partner has suspended applications for days. According to unnamed sources,...
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Frank Tian
Oct 27, 20221 min read
📖 BaaS Operators - Here is A Playbook
As regulators pay more attention to the fast-growing Banking-as-a-Service (BaaS) business, a group of sponsor banks published a playbook...
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Frank Tian
Oct 25, 20221 min read
🇨🇦 Canada Rate Decision Today (Updated)
BoC hiked the rate by another 50 bps, which brings the cumulative rate hike this year to 350 bps. The increase is lower than the...
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Frank Tian
Oct 23, 20221 min read
🚰 Water-cooler Chat: The Path to the Top Job
Lately, the CEO succession at Scotiabank grabbed the media attention. The result was controversial as the one-time interviewer eventually...
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