SVB Banking Crisis – FLYouths Research

Silicon Valley Bank (SVB), the 16th largest bank in America, is now the most recent major bank to collapse since the 2008 Financial Crisis second only to Washington Mutual Inc. Last Friday on 10th March, Federal Deposit Insurance Corp (FDIC) took over SVB, transferring all of their deposits to an entity they set up: Deposit […]

Digital Finance in a nutshell, and where Malaysia stands

Malaysia’s Budget 2023 plans towards digitising our industries, particularly digital finance Based on Budget 2023 tabled on 28 October 2022, there are a few touchpoints that will help expand digital financial services in Malaysia, powering inclusive growth in the digital economy. Firstly, a service tax exemption was proposed for online banking or financial services and […]

Everything you need to know about “Sustainable Finance”

What is ‘sustainable finance’? Sustainable finance is any form of financial activities and processes in the financial sectors that takes Environment, Social and Governance (ESG) into consideration. Environmental factors – Involves climate change mitigation and adaptation, the environment in general, such as biodiversity preservation, pollution avoidance, and the circular economy. Social factors – Comprises issues […]

The Circular Economy – is it a viable step for Malaysian waste management?

Circular economy and cyclical waste The circular economy is a production and consumption framework that promotes the reuse, refurbishment, and recycling of existing resources and goods, thus extending the product life cycle as long as possible (European Parliament, 2015). When a product approaches the end of its life, its materials are recycled wherever possible to […]

Inside the Buy Now Pay Later industry with myIOU

Introduction The luxury of not paying immediately was once reserved for credit card holders But now there are new kids on the block as Buy Now Pay Later (BNPL) services have expanded access to financial flexibility to a wider and bigger audience.   BNPL services as a whole have certainly caused a whirlwind worldwide as it […]

The Importance of Financial Inclusion

Medium, small, and micro enterprises (MSMEs) make up 99% of total business in Malaysia. MSMEs also employ north of 7 million people, or, a staggering 65% of the employed population.    To quote SME Corporation Malaysia’s definition, “it refers to firms with sales turnover not exceeding RM20 million OR number of full-time employees not exceeding […]

Watch out for Derivative Bombs in 2023

Introduction “In my view, derivatives are financial weapons of mass destruction, carrying dangers that, while now latent, are potentially lethal.” Warren Buffett One still remembers the disastrous Global Financial Crisis (GFC) that happened over a decade ago and its ramifications that spurs reminiscence about undermined and proliferation of unregulated financial derivatives during that time. The […]

The strengthening of the dollar and its effects on emerging markets

The Dollar has just gone up by around 19%, according to the Dollar Index (DXY), which is measures the strength of the USD relative to a basket of other foreign currencies. This simply means that it is now more expensive to buy dollars, and dollars can buy more of other currencies. To put things into […]

Everything you need to know about Stagflation – and is it happening in Malaysia?

Key terms: What is Core CPI? The Core Consumer Price Index (CPI) measures the changes in price for consumer goods, except for food and energy. This measure is used instead of the normal CPI, since it better reflects long-term inflation, as food and energy prices are relatively more volatile. What is GDP? Gross Domestic Product […]

Why Trickle-Down Economics Doesn’t Work

Just like the rest of Europe at the moment, the United Kingdom faces numerous economic challenges that threaten the standard of living of its population. Surging energy prices, rising food costs and increasing interest rates have resulted in a recession predicted to last until the middle of 2023 with GDP estimated to fall about 0.3% […]

Subscribe to us now!

Interested in achieving financial literacy?