Digital Finance Analytics (DFA) Blog
We discuss the latest finance and digital business news, with a distinctively Australian flavour
Episodes
July 16, 2025 • 9 mins
Electronic payments have taken over the lions share of transactions across Australia though around 15% of transactions are still cash, and its remaining a critical choice for people. But the dirty secret is that these electronic payments channels are costing people, via undisclosed or only partially disclosed fees. Once again, the financial sector players are … Continue reading "Who Pays For C...
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July 15, 2025 • 103 mins
This is an edit of a live discussion with Research Director from the Australian Citizens Party, Robbie Barwick, as we examine the latest on trade, tariffs, AUKUS, and Corporate Australia as we ask whose side should we be on, and what are the economic, social and political decisions which have been taken, and need to … Continue reading "DFA Live Q&A Replay: Whose Poodle Are We Anyway? With ...
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July 14, 2025 • 75 mins
This week, a deep dive into the property management sector, and more on the problem with property data which distorts the truth. Plus what the China visit is really about. http://www.martinnorth.com/ Go to the Walk The World Universe at https://walktheworld.com.au/ Find more at https://digitalfinanceanalytics.com/blog/ where you can subscribe to our research alerts Today’s post is … Continue reading
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July 13, 2025 • 20 mins
Once again, we are off to the races with preliminary auction clearance rates being spruiked to high heaven again over the weekend. As I discussed recently, these numbers are misleading because they rely on reported results, which are biased towards successful outcomes, while avoiding the gap between listed and reported results. Take Domain for example, … Continue reading "Property Gaslighting ...
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July 12, 2025 • 26 mins
This is our weekly market update where we start in the US, cross to Europe and Asia and end in Australia, covering commodities and crypto along the way. Investors are aggressively buying into riskier assets, sending bitcoin and companies focused on artificial intelligence to new highs as they shrug off months of uncertainty caused by … Continue reading "Tariff Noose Tightens Even As Investors ...
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July 10, 2025 • 13 mins
Today we look at the latest from the Reserve Bank of New Zealand where rates were held, though following cuts of 2.25%, compared with the RBA 0.5%. Uncertainly remains the watchword. So we reflect on the different inflation track, and look at rental inflation in particular, in the light of the latest Domain data showing … Continue reading "Central Banks In Wonderland: As RBNZ Holds Too!"
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July 9, 2025 • 9 mins
Yesterday as I discussed in my live show, the RBA held the cash rate at 3.85%, which surprised almost all economists, the media, and Labor politicians alike. If you listen to Michelle Bullock, at the press conference, she was careful to talk about, caution, waiting for more data because the monthly inflation stats are volatile, … Continue reading "“Kersplat”: The Collision Between Economics An...
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July 8, 2025 • 98 mins
This is an edit of a live discussion as I walk though the latest analysis from our household surveys, and go granular in terms of the impact of rate cuts, mortgage and rental stress, and the potential trajectory of home prices. I will have the post code engine on line. Details of our one to … Continue reading "DFA Live Q&A Replay: Rate Cuts, Home Prices And Financial Stress: Granular Deep ...
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July 7, 2025 • 74 mins
In this week’s Property Rant, we discuss wolves in sheep’s clothing, as we ask who is really paying the bills, and who are the property winners and losers? We also delve into our “Pavlova” apartments, and highlight the latest property BS, in which we seem to be drowning at the moment! http://www.martinnorth.com/ Go to the … Continue reading "Its Edwin’s Monday Eve...
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July 6, 2025 • 10 mins
The truth is that the current Government approach to housing which is based on building 1.2 million new homes over a 5-year period won’t be met. As I reported recently the running total is 60,000 homes below what would be required to meet the target. But worse, the strategy is driving the states to permit … Continue reading "The Strata Nightmare Continues…"
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July 5, 2025 • 24 mins
This is our weekly market update where we start in the US, cross to Europe and Asia and end in Australia, covering commodities and crypto along the way. US markets were closed on Friday thanks to the July 4 Independence Day celebrations. Both the S&P 500 and NASDAQ Composite closed at record highs on Thursday … Continue reading "As Markets Melt Upwards, Are Things Falling Apart?"
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July 4, 2025 • 38 mins
Two years ago Investment Manager Tony Locantro had a radical change of direction in terms of life-style and diet. On this second anniversary I caught up with him to reflect on his journey, and discussed the broader questions of the deadly embrace of big-pharma and big-food and how this is causing harm, and what we … Continue reading "Tony Locantro’s Two Year Carniversary!"
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July 3, 2025 • 24 mins
We review the latest data, including from the DFA Household Surveys to consider what may happen next to property across the country. Its complicated, with supply, demand and Government policy drivers messing with the markets. Granularity is important, as is filtering the high-level spruiking. In some areas prices are continuing to fall or go sideways. … Continue reading "How Will The Current P...
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July 2, 2025 • 11 mins
New Zealand had been an anomaly for some time in that in had introduced the clearest Deposit Bail-in scheme in the world, via the Open Banking Resolution (OBR) which in the case of a bank failure, OBR allows a portion of depositors’ funds to be temporarily frozen and used to recapitalize the bank, while the … Continue reading "Finally, Kiwis Get Some Deposit Protection!"
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July 1, 2025 • 90 mins
This is an edit of a live discussion with Head of Investments Damien Klassen, as we parse the latest from the markets. We are looking at all time highs again, but what does this really signify. Details of our one to one service are here: https://digitalfinanceanalytics.com/blog/dfa-one-to-one/ Go to the Walk The World Universe at https://walktheworld.com.au/ … Continue reading "DFA Live Q&...
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June 30, 2025 • 81 mins
A deep dive this week into the drivers of property prices, and who is to blame for the rising inter-generation tensions, as Edwin Almeida and I discuss the latest trends across the Australian property market. http://www.martinnorth.com/ Go to the Walk The World Universe at https://walktheworld.com.au/ Find more at https://digitalfinanceanalytics.com/blog/ where you can subscribe to our … Continue reading
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June 29, 2025 • 8 mins
OK, I am done with taking the Saturday releases from the likes of Domain and Cotality as anything meaningful. To illustrate the point, the latest in the AFR cities Cotality data claiming the national auction clearance rate has risen to its highest level in a year after two interest rate cuts and the possibility of … Continue reading "Calling Out The Auction Clearance BS Again!"
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June 28, 2025 • 24 mins
This is our weekly market update, where we start in the US, cross to Europe and Asia and end in Australia covering commodities and crypto along the way. Well, it’s been another extraordinary week, as the MSCI Global Index hit a new all time, along with the S&P 500 and NASDAQ. Investors hope the US … Continue reading "“Nothing Ever Happens” As Markets Reach All Time Highs (Again!)"
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June 27, 2025 • 11 mins
Sometimes I think I live in a parallel world compared with the state and federal politicians who combined seem intent on driving more households into oblivion, in attempt to keep those home prices pumping higher. This despite the obvious disconnect between prices and affordability, and the link between inflated money supply via debt, and home … Continue reading "Fibs, Bribes, And Plain Stupidi...
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June 26, 2025 • 54 mins
There are growing concerns that we may be in the late stages of a global asset bubble—though whether it’s a full-blown bubble or just elevated valuations depends on who you ask and which asset class you’re looking at. So we look at the latest data, and talk to Harry Dent, the famous author and economist, … Continue reading "Inside The Impossible Everything Bubble!"
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