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Digital Finance Analytics (DFA) Blog

Martin North 30 Episodes Jul 25, 2026

Digital Finance Analytics (DFA) Blog is a podcast that discusses the latest finance and digital business news. It offers analysis from an Australian perspective. The show is hosted by Martin North, a financial commentator. Episodes cover trends in digital finance, banking, and the economy. The podcast aims to provide insights for Australian investors and professionals.

Episodes

Markets React To Red Light Warnings from AI, Inflation, Energy Wars and Tariffs! Jul 25, 2026 00:21:59 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. Most markets posted weekly losses, dragged down by the widening conflict in the Middle East, concerns over heavy capital spending by major names such as Alphabet and … Continue reading "Markets React To Red Light Warnings from AI, Inflation,

A Deep Dive On Central Coast Property! Jul 24, 2026 00:22:13 In this show I look at post code 2251, (Avoca Beach, Bensville, Copacabana, Davistown, Green Point, Kincumber, Macmasters Beach, Saratoga, Yattalunga) and examine the latest price trends and broader drivers of this area. The 2251 area around Copacabana and Davistown is best understood as a mature, high‑amenity coastal and waterfront cluster with limited capacity for … Continue reading "A Dee

The Case For More Rate Hikes Builds As Job Markets Remains (Mostly) Strong! Jul 23, 2026 00:12:36 Today we got the ABS Labour Force data for June 2026 and the strong result cements further the likelihood of another RBA rate hike this year. Traders are now pricing in a 36 per cent chance of higher borrowing costs when the RBA meets next month and are now fully priced for one more increase … Continue reading "The Case For More Rate Hikes Builds As Job Markets Remains (Mostly) Strong!"

Home Price Momentum Crushed By Credit Drought! Jul 22, 2026 00:14:30 One of the critical factors in our core market model is a set of linkages between home price momentum and input factors, such as demand, migration, interest rates, Government incentives, inflation and availability of credit. Each has an influence on the others, and on the trajectory of home prices. But the greatest of these is … Continue reading "Home Price Momentum Crushed By Credit Drought

It’s Edwin’s Monday Evening Property Rant! Jul 20, 2026 01:02:49 Another deep dive into property dynamics with our insider Edwin Almeida. And check out our live show with Edwin tomorrow as he talks about enhancing property search. https://youtube.com/live/7kWk2lQ6ZRQ If you are buying your home in Sydney’s contentious market, you do not need to stand alone. This is the time you need to have Edwin from … Continue reading "It’s Edwin’s Monday Ev

Gazundering Is Back Baby, As Home Prices Fall Further! Jul 19, 2026 00:13:10 There a couple of terms which can create fear and panic among those looking to buy and sell property. In a hot market, Gazumping is an underhand technique whereby a seller accepts a higher offer from another buyer before contracts are signed and exchanged. The reverse, in a falling or buyers market is Gazundering which … Continue reading "Gazundering Is Back Baby, As Home Prices Fall Further

Brutal Markets Pivot On AI, Chips And Energy; Despite Earnings Hopes! Jul 18, 2026 00:22:05 This is our weekly market update, where we start in the US, cross to Europe and Asia and end in Australia, covering commodities and crypo along the way. Share indexes tumbled around the world on Friday, despite strong results reported from the US banks on heavy trading, as heavyweight chip stocks plunged for a third … Continue reading "Brutal Markets Pivot On AI, Chips And Energy; Despite Ea

Can A Housing Downturn Improve Australia’s Productivity? Jul 17, 2026 00:11:30 We had more data this week, continuing to build out the picture of falling home prices, reaching more suburbs, and taking a deeper dive. For many this is shocking, after all, the belief in the one-way street of property price rises was deeply entrenched. But perhaps this is now changing. For example, the latest Westpac-Melbourne … Continue reading "Can A Housing Downturn Improve Australia’s

The Private Credit Time Bomb… Jul 16, 2026 00:17:03 During my recent live stream with Damian Klassen from Nucleus Wealth, we touched on Private Credit and the building risks from this opaque form of lending. It provoked a number of our followers to get in touch about these risks, expressing concerns that the risks in this unregulated area of finance could well pose a … Continue reading "The Private Credit Time Bomb…"

New Zealand Property Still Stuck In Cautious Mode! Jul 15, 2026 00:09:10 The REINZ released their June 2026 data today, showing national conditions remaining cautious while regional differences continuing to shape the overall picture. The New Zealand housing market has become a series of local markets moving at different speeds. Buyers and sellers in one part of the country are having a very different experience from those … Continue reading "New Zealand Property

DFA Live Q&A HD Replay: Investing Now: AI, Chips And Energy Puzzles: With Damien Klassen Jul 14, 2026 01:24:47 In this live show we examined the latest market dynamics, as AI, Chips and Energy pull in different directions, even as we move into a higher inflation results season. I was joined by Damien Klassen, Head of Investments at Nucleus Wealth and Walk The World Funds. Go to the Walk The World Universe at https://walktheworld.com.au/ … Continue reading "DFA Live Q&A HD Replay: Investing Now: A

It’s Edwin’s Monday Evening Property Rant! Jul 13, 2026 01:15:12 This week we explore the panic setting into the property media, and compare it with reality on the ground. Truth is, there is much noise and fury being fired by vested interests, from developers, agents and other parties. Where does truth lay, and what does the data really tell us? Renters are also in the … Continue reading "It’s Edwin’s Monday Evening Property Rant!"

Will “Cheaper” Property Attract More Buyers, Or Will Prices Fall Some More? Jul 12, 2026 00:17:28 We are at an interesting inflection point in the Australian property market, with housing affordability perhaps easing just a tad, even as more supply is coming, at a time when interest rates are expected to still go higher. Demand remains quite strong, supported by still strong migration, but the data is still sending conflicting signals … Continue reading "Will “Cheaper” Property Attract M

The Markets’ Big Questions On AI, Chips And Energy! Jul 11, 2026 00:21:53 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. Another crazy week on markets as the latest headlines from Iran briefly rippled through oil, Treasury yields and currency markets, reviving all too familiar questions about inflation, … Continue reading "The Markets’ Big Questions On AI, Ch

What Happens When The Digital Prison Faulters? Jul 10, 2026 00:10:49 Once again Australians have been hit by a serious telecommunications outage which started Wednesday morning, at 4:20am triggered Telstra says by a “software issue” when a human was working on their system. Rather opaquely they said that a particular node restarted as work was happening on it, and as it restarted a software glitch was … Continue reading "What Happens When The Digi

The Sheer Pain Of Renting In Australia! Jul 9, 2026 00:17:24 Earlier in the week I highlighted that rental stress across Australia reach a eye-watering 75.5% of those who are currently renting, according to my rolling surveys. This means that more than 2.35 million households who are renting have a cash flow problem. It is a national disgrace, and is probably the most symbolic aspect of … Continue reading "The Sheer Pain Of Renting In Australia!"

Kiwis Get Another Rate Hike, Despite Oil Price Falls! Jul 8, 2026 00:11:56 Specifically, recent energy cost increases could still flow through to consumer prices, Non-tradable inflation remains high, with the risk that administered (i.e. government-set) price inflation could remain strong, Firms could become more sensitive to cost increases against a backdrop of elevated inflation and lift prices in response; Firms might also be inclined to slip through … Continue

DFA Live Q&A HD Replay: Australia’s Perfect Housing Storm: Let’s Talk Postcodes Jul 7, 2026 01:35:37 In this live show we examined the latest from our survey and modelling, as we looked at household finances across post codes to end June 2026. Go to the Walk The World Universe at https://walktheworld.com.au/ Details of our one to one service are here: https://digitalfinanceanalytics.com/blog/dfa-one-to-one/ Find more at https://digitalfinanceanalytics.com/blog/ where you can subscribe to our &#82

It’s Edwin’s Monday Evening Property Rant! Jul 6, 2026 01:21:30 Property Insider Edwin Almeida and I kick around the latest data on property, and pull back the curtain to reveal what is really going on. Truth is there are many agendas out there, pulling in different directions. From migration, to demand, and from building construction to supply, these factors are part of a bigger puzzle. … Continue reading "It’s Edwin’s Monday Evening Propert

Australia’s Perfect Housing Storm: Let’s Talk Stress Results Jul 5, 2026 00:37:57 In the second show in the current series, we examine the DFA mortgage and rental stress results to the end of June 2026, as pressure on households intensifies. But not all post codes are behaving the same. See the first part on our scenarios here: https://youtu.be/gmK6CiQRIv8 The third part will be our live show on … Continue reading "Australia’s Perfect Housing Storm: Let’s Talk

Another Topsy-Turvy Week For Markets As Risks Abound Jul 4, 2026 00:23:29 Markets were once again all over the place through the week, as Wall Street on Thursday put in a mixed finish, as a slide in Tesla and chip stocks countered a soft June jobs report that dented Federal Reserve rate hike expectations. Yet despite the conflicted trading, U.S. stocks ended the holiday-shortened week with gains … Continue reading "Another Topsy-Turvy Week For Markets As Risks Abo

Australia’s Perfect Housing Storm: Let’s Talk Scenarios Jul 3, 2026 00:27:45 Today we examine the latest housing price falls data, and with the help of our modelling, look at our price scenarios over the next three years. Further falls are expected, but how deep will they be, and where will they be most significant? This show is the first in a series as we reveal the … Continue reading "Australia’s Perfect Housing Storm: Let’s Talk Scenarios"

Down, Down (Some) Home Prices Are Down!! Jul 1, 2026 00:11:41 Rents are another question, as Rentals continued to be more expensive with basic growth of 0,4% before seasonal adjustments, leading to an annual growth rate of 5.9%, well above wages growth in real terms. Capital city rents have risen by 41.7% or $217 a week over the past 5 years they said. No surprise then … Continue reading "Down, Down (Some) Home Prices Are Down!!"

DFA Live Q&A HD Replay: Reality, Meet Market Hype: With Tony Locantro Jun 30, 2026 01:22:56 This is an edit of my live show where we examined the current market, property and household finance dynamics with Investment Management Tony Locantro. Tony offers several financial services, such as investment management, financial planning, stock selection and fundraising. Tony has helped countless investors and organisations with strategic investment strategies over the last two decades. &#8230

It’s Edwin’s Monday Evening Property Rant! Jun 29, 2026 01:18:20 Tonight we dive into the politics of property, and ask whether people are supporting falling home prices, to aid affordability, or whether the Government is gambling on household forgetting broken promises, before the next election. We discuss whether a “correction” in home prices is truly happening, and how the rental sector is responding. Finally, we … Continue reading "It&#821

Bye-Bye Home Equity As Prices “Correct”… Jun 28, 2026 00:17:33 Consider this, if you are a home owner of at least a year or so, in most parts of the country you are sitting on a tidy paper profit, probably facilitated by a big mortgage. Nice. For those who were trying to get into the home ownership for the first time, it has been a … Continue reading "Bye-Bye Home Equity As Prices “Correct”…"

Now AI Risks Are Back In Focus, As Markets Bet On Positive Hormuz Outcomes… Jun 27, 2026 00:26:30 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. It was another complex week on the markets, with the MSCI Global index down 2.07%, while the All Asia Ex Japan was down 5.22%. The European STOXX … Continue reading "Now AI Risks Are Back In Focus, As Markets Bet On Positive Hormuz Outcomes…"

Is Reality On The Blink, Or Is It Just Your Own Problem? With Tarric Brooker… Jun 26, 2026 01:22:15 In the latest of our regular Friday afternoon chats, Tarric Brooker – journalist and contributor to Macrobusiness, and I pull apart the latest data on the economy, housing, and energy. Is the interpretation of the information we see on the media channels telling the full story? Tarric’s charts, which you can find here: https://x.com/AvidCommentator/status/2070399743231225892 tells &#82

More Data, More Risks Of Another Rate Rise! Jun 25, 2026 00:11:04 We got a slew of data from the ABS today, covering employment, job vacancies and household spending. We will examine each in turn, but the headline is that with employment stronger than last month, job vacancies still holding up, if slowing, and household’s still spending more (if significantly on things they need to buy paying … Continue reading "More Data, More Risks Of Another Rate Rise!"

Latest Inflation Says More Rate Hikes Are Needed! Jun 24, 2026 00:09:56 We got the latest inflation data from the ABS today, and while the headline rate of the Consumer Price Index (CPI) rose 4.0%, down from 4.2% in the 12 months to April 2026, a quick look revealed a more troubling picture as the so called trimmed mean was 3.6%, up from 3.4% in the 12 … Continue reading "Latest Inflation Says More Rate Hikes Are Needed!"

Digital Finance Analytics (DFA) Blog

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