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Buy Now, Pay Later is trending with consumers, investors and regulators world wide. The reinvention of an old product onto new and exciting digital platforms has the world scrambling for more. As someone part of the generation using Buy Now, Pay Later for everything from dentistry to instagram critical Louis Vuitton bags, I feel it’s time we reviewed the proposition for consumers, retailers and the broader community.

Buy Now, Pay Later (BNPL)has generally been defined as a ‘payment service that allows consumers to delay payment or pay by instalments.’ For regulators a clear distinction of the product is that it…


Graphic by https://dribbble.com/Tubik

Investors around the world are concerned about inflation right now. Central Banks, economists and investors like Warren Buffet and Stanley Druckenmiller are debating whether inflation will be temporary and transitory or if it will be persistent and longer-term. It doesn’t matter which side of the fence you’re on, the numbers don’t lie. The U.S. recorded the highest inflation in 13 years and other countries are set to follow. As all good investors should, it’s time to manage your risk, make your stock picks and prepare your portfolio.

In this article, we’ll explore the core principles and drivers to managing the…


All that cash…Everyone from the Wall Street Journal, Bloomberg, CNBC, Moody’s and S&P have released content discussing the huge amounts of cash held by U.S. companies. After listening to a podcast discussing the distortions caused by ‘mega-companies’ and their cash holdings — I hit the pavement, went for a run and mulled it over. I came to the conclusion that those big time journalists might be wrong about the effects of this phenomena and the reality needed to be explored.

There’s no doubt that global monopolists like Microsoft, Apple, Alphabet (Google) and Facebook extract excessive profits and have amassed giant…


Cryptomania is fast approaching a tipping point. As more and more companies accept cryptocurrencies as a form of payment the pressure mounts to pay wages in Bitcoin, Ethereum and Dogecoin. NFL players have led the charge with Okung and Culkin seeking to get some or all of their salaries paid in Bitcoin. It’s not just NFL players and forward looking companies that are considering crypto as a valid currency and as more than just a speculative asset; but central banks like the PBOC are preparing to launch their own digital currencies. Even the U.S. Federal Reserve and Reserve Bank of…


Image: Kate Ballis — Aerial Pink

Just below the surface, under the noise of COVID-19, is a global supply crisis. If things continue the way they are, with locked borders, locally-focused production, and a shutdown mentality then the world will be a dramatically different place. Driving the change are growing shortages in people, goods and materials like semi-conductors (computer chips), shipping containers, copper, wood pulp, coffee, truck drivers, farm workers and hospitality workers.

Politicians and businesses are praying that the consumer revival brings demand and supply back online. The reality is, everything takes time and their dreams of a V shape recovery and a return to…


2007 was the year that changed the world. Apple launched the iPhone, the GFC began, Facebook overtook MySpace and introduced the like button, and Season 1 of Keeping Up with the Kardashians aired. These separate events have since weaved through each other to shape daily lives and the world today. Almost 80% of us will check our phones within 15 minutes of waking up and will continue to check them every 12 minutes throughout the day. …


Left Hook By Diana Stoyanova

2020 (the ‘year-who-must-not-be-named’) launched an all out attack on economics. At every turn there was an event, a person or a theory that was throwing economic principles and nations into disarray. Did the years assault break economics, and do we need to rethink everything we thought about how the world worked?

This article talks about high impact moments, their effects, and what they might mean for our futures and for economics.

Where we live+work

As every real estate agent says it’s all about location, location, location. Most of us have been staying in place for almost a year now and our lack of…


A Bold Move

Launching into an MBA during COVID meant jumping into a compulsory leadership unit by logging into Zoom. An online environment for an immersive course with high levels of interaction and live action simulations. A bold move. Opening an MBA with a mandatory leadership unit is another bold move but it makes perfect sense. The tools and mechanisms the unit uses empowers its students and puts all students across all cohorts on the same page for the remainder of their units. A collaborative and socially intense subject forces students to work together and to use frameworks for effective teamwork. As I…


Choosing to do an MBA or not is a tough call to make. The decision is made even harder by the fact that they are offered by most universities, can be hugely expensive and have the potential to change your life. MBA Notes is about using the insights from my journey to help you make an informed decision about whether or not an MBA is for you.

This article is the beginning, part one. It’s the context of my choice, it’s the reasons why. We all have our own story tell, with our own personal answers, and our own sources…


The machines have arrived in banking. Stale old fat-cat bankers are up against a new era of nimble tech companies with smooth designs and artificial intelligence. FinTech disruption has got legs and it’s sprinting. The rapidly scaling companies are grabbing market share from their traditionalist rivals, but the old school banks still have some fight left. Some are trying to reinvent themselves by deploying mission statements like “to be the best in digital banking experience” or by buying stakes in the upstarts. Will these strategies help them survive or win back customers? It’s reached a point where we need to…

Chris Leeson

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