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Frank Tian
Feb 14, 20231 min read
📉 2023 Stress Test Scenario is Out
On Feb 10, the Fed released this year’s stress testing scenario. It is an annual exercise to gauge the largest US banks’ capabilities to...
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Frank Tian
Jan 11, 20231 min read
💰 Review Your Product Limit Cap
The latest US inflation number is out. It is in the right downward direction but still high. Latest 12-month inflation readings: 🇺🇸 US...
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Frank Tian
Jan 1, 20232 min read
9 Things to Watch in Consumer Credit.
1. Will the central bank succeed in taming high inflation with a soft landing? The ideal scenario for businesses and consumers: the...
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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 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 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
Sep 21, 20222 min read
💸 The Formula of Neobank Profitability
95% of neobanks are losing money. What are the profitable ones doing differently? 👇 Penny Crosman at American Banker analyzed 3...
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Frank Tian
Aug 10, 20221 min read
🕸️ Open Banking Update in Summer
While open banking rule-making is progressing slowly in the US and Canada, the market continues to develop on its own throughout the...
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Frank Tian
Jun 20, 20222 min read
Apple Late for the Pay Later Party
Apple rolled out its own BNPL product - “Apple Pay Later”. It is a questionable move, given the timing and the strategic shift. 🚩...
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Frank Tian
May 10, 20221 min read
An Active CFPB
A dormant authority being activated by the regulator CFPB invokes the authority to examine non-bank companies. This move clearly targets...
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