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If BoE is to continue monetary stimulation beyond next year, it ought to look outside 'ordinary' QE, to what is popularly known as “helicopter money”. -
A move by Ford Credit to incorporate alternative data into its underwriting process will open up opportunities for underserved borrowers. More consumer lenders should follow suit if they want to reach, and more accurately assess, a growing segment of US consumers.
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Mario Draghi’s speech at Jackson Hole last week was never going to be earth-shattering but his complete silence on the issue of tapering the bank’s various asset purchase programmes managed to frustrate the market even more than had been expected.
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A reduction in the amount of bonds being purchased in the ECB’s ABS Purchase Programme shows that the ECB has been on a path to tapering in the asset class, even before it has been officially announced.
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Despite making up 80% of the UK's GDP, services are being left out of the loop in the confusion surrounding the country’s potential exit from the European Union and the recent focus on the Customs Union.
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We are now a decade on from the start of the global financial crisis, the event that has defined public perception towards finance and the rules and regulations which govern it. It is still misunderstood.
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Despite UK assets offering juicier spreads than their European counterparts, distribution stats show little European investor participation in UK deals. That might be disappointing for UK issuers, but at least it means little to fear from a hard Brexit.
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The Bank of England is right to warn of increasingly lax consumer lending standards, but until it sets the UK on a path to interest rate normalization, borrowing will remain too attractive an option for consumers to ignore.
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Acting Comptroller of the Currency Keith Noreika’s support of granting national bank charters to fintech companies is positive for the industry, but until the OCC actually provides clear and specific guidelines, the banking charter for fintech firms is a pipe dream.
