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Jul 10 2020 Making sense of payment patterns
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Jul 03 2020 The real canary in the coal mine: which business indicators matter most?
Webinar
As two million Australian entities prepare their end of financial year accounts they may be surprised to see that COVID-19 is yet to trickle down to their balance sheets.Billings are still high and bad debts are yet to come to fruition, largely thanks to government subsidies and business support.
As the government’s stimulus packages begin to […]
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Jun 29 2020 
Aussie battlers bolster economy throughout pandemic
New data released today by our team in collaboration with AlphaBeta shows that Australia’s low-income earners – those earning less than $65k a year – have carried the economy on their shoulders throughout the COVID-19 crisis.
On the other hand, across both discretionary and essential spending, high-income earners have completely retreated – and low-income earners have […]
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May 21 2020 
Commercial risk insight: risk rising across the board
At illion we have been assessing the risk to Australian businesses for over 130 years and there are four key barometers we watch:
The state of the Australian Receivables ledger and hidden risk
How fast companies pay each other
The amount of business start-ups, and
The amount of tenderingWe are seeing rapid changes in all […]
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Feb 21 2020 
Unpacking ASIC’s updated Regulatory Guide RG209
Responsible lending guidelines for customer-owned banks and mutuals
The Australian Securities and Investment Commission has released an updated document called RG 209, which clarifies the responsible lending guidelines for all financial service providers under the National Credit Act.
RG209 – Credit Licensing: Responsible lending conduct – provides clearer guidance around responsible lending obligations following the somewhat ambiguous […]
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Sep 18 2019 
CCR will strengthen Australia’s financial system
12 million Australians should see their score improve
Comprehensive Credit Reporting (CCR) will make the Australian financial system more stable and introduce more competition into the $1.8 trillion mortgage and credit card markets.By Tuesday 17 September, the mortgage repayment data of Australia’s big four banks is being provided to illion, enabling sharing between lenders. This will […]
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Nov 27 2018 
Summary Analysis: illion Business Failures, September Quarter 2018
Retailers hit wall ahead of peak sales season
Australian retailers are going bust in record numbers. The latest analysis from illion reveals the sector’s failure rate hit record levels during the September quarter of 2018. The failure rate for retailers has reached 0.82 per cent, which is 1.5 times the overall failure rate for all Australian […]
