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iPhone as iPOS, not iBank
Apple is introducing Tap to Pay in the US. Holders can tap iPhones to make/accept payments. This aims to expand the payment use...
Frank Tian
Mar 8, 20221 min read


Metaverse Experience
I took a tour of the Onyx Lounge in Decentraland. The news that JP Morgan entered the metaverse is all over the Internet, out of...
Frank Tian
Feb 28, 20223 min read


Banks Show Employee the Love
❤️ Time to show some love to your employees. With US inflation as high as 7.5%, Any salary increase < means a pay cut. It’s time to show...
Frank Tian
Feb 24, 20221 min read
Ten Signs Pandemic Ending
🔟 Ten signs That we are at the endgame of the pandemic. Even though not all of them are welcomed. Gas prices spiked. Traffic on highways...
Frank Tian
Feb 20, 20221 min read
Canadian Housing Trivia
🇨🇦 🧑🤝🧑 🏘️ Population, Housing, and A Trivia Question. Statistics Canada posted a question - most got it wrong. ❓What is the % of...
Frank Tian
Feb 16, 20221 min read
Everyone is a Bank
Before 2008: separation of financial services from retailers. Now: retailers embrace financial services again. Why? Technology. APIs....
Frank Tian
Feb 12, 20221 min read
US Quarterly Household Credit Update
🏦 Latest quarterly Fed report: US household debt up $333 billion in Q4 ‘21. The total debt reached $15.58 trillion. Over $1 trillion...
Frank Tian
Feb 8, 20221 min read


Q4 '21: Canadian Card Down Significantly
💳 The Canadian credit card balance is still down significantly. 🐢 The speed of recovery is slower than consumer spending. Source: Globe...
Frank Tian
Feb 4, 20221 min read
Diem Dies in Meta.
Meta (previous Facebook) gave up the Diem stablecoin, The watered-down version of the once-ambitious Libra global coin. Why? Increased...
Frank Tian
Jan 27, 20222 min read


IMF Quarterly GDP Forecast
Disrupted recovery. No interest rate hike, yet. 1/25: IMF lowered the 2022 global GDP growth forecast from 4.9% to 4.4%. 🔻 🇺🇸 US:...
Frank Tian
Jan 23, 20221 min read


US banks’ Q4 Update - Deposit
Lenders, have you seen increased interest from consumers? Here is why. In the latest Q4 reports, the largest 4 US banks saw their...
Frank Tian
Jan 21, 20221 min read
Unsecured Lending Coming on Chain
TransUnion is enabling consumer credit reports on the blockchain. This is achieved via the partnership with Spring Labs. As native...
Frank Tian
Jan 19, 20222 min read
Banks to Mint Stablecoins
Stablecoin is created to address investors' concerns about the high volatility of native cryptos, such as Bitcoin and alternative coins....
Frank Tian
Jan 14, 20221 min read
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