2019年7月19日
Australia just got a new digital bank called 86 400
When it comes to banking, Australians have had few options outside of the big four group of ANZ, NAB, Westpac and the Commonwealth Bank. That’s now starting to change as a whole host of digital banks — also known as neobanks — arrive in Australia. But just turning up is only half the battle. To provide banking services in Australia you need the approval of the regulator, APRA, and that is easier said than done.
So far, neobanks Xinja, Volt, and Judo have entered the market and are at various stage of approval. 86 400, cleared its first major hurdle, receiving its licence to operate as an authorised deposit-taking institution (ADI). That means it can accept an unlimited number of deposits when it launches its transactions and savings accounts later this year.
With no physical branches, digital banks promise to allow Australians to bank entirely through their phones, meaning they could be smarter, cheaper to run and easier to use. “With the latest technology, a simpler operating structure and streamlined systems and processes, we’ll be able to make savings that are passed on to our customers, and better returns for our investors.
Disrupting the dominance of historic banks is something of a past-time for Thomson. He co-founded the first new high-street bank in the United Kingdom in 150 years when he opened Metro Bank. Less than a decade later,it boasted $400 million in revenue.Interestingly enough, just three years ago the other co-founder Vernon Hill called app-based banks “all hype”.Those comments were perhaps a little awkward since by that stage Thomson had already left to start Atom, a digital bank in the UK similar to 86 400. In its first two years,it amassed more than £900 million in deposits.
Atlassian is weeding out the 'brilliant jerks', changing the way it does performance reviews
Atlassian has ushered in a new review system that’s designed to create a better evaluation of how its employees are performing.
The Australian-founded software giant — which is valued at US$32.8 billion according to Yahoo — believes traditional performance reviews often celebrate workers who are technically skilled and efficient but may not contribute as much to the broader office culture or company values.
In 2018 it soft-launched a strategy where most of its performance review process will have nothing to do with the skills in an employee’s job, but more to do with how well they are living with the company values.
“Some of these performance systems don’t necessarily account for unconscious bias, they don’t necessarily reward the behaviour that we’re seeking to reward,” Atlassian’s global head of talent said.
With this performance review system, Atlassian aims to throw out the idea of the “brilliant jerk”, which Chee describes as someone is technically-talented, but perhaps at the expense of others. “We really want to enforce the way that values get it lived, the way that people impact the team and the way that they also contribute within their role.
Atlassian’s five valuesare “Open company, no bullshit”, “Don’t #@!% the customer”, “Play, as a team”, “Be the change you seek” and “Build with heart and balance”.
Chee said managers are going to be asked to give two examples of the values their employees are displaying. Now that the review system is being permanently rolled out, it will also be tied to worker compensation. So depending on whether an employee is rated as having an “off”, “great” or “exceptional” year, will reflect what kind of bonus they get.
Bernard Arnault just surpassed Bill Gates as the world's 2nd-richest person
Bill Gates who made his riches by way of Microsoft has found his fortune eclipsed by Bernard Arnault, the chairman and chief executive officer of luxury-goods conglomerate LVMH. Arnault’s ownership in LVMH helped lift his net worth to $US108 billion as of Thursday’s market close. The Paris-based fashion house owns luxury brands in perfumes, watches, alcohol, and clothing.
LVMH is listed on the Euronext Paris exchange, and the company is trading up 48% year-to-date. Below are 6 of his most recognizable brands he owns:
1. Hennessy - Hennessy’s USA headquarters is located in New York City, and recently moved into the World Trade Center.
2. Marc Jacobs
3. Christian Dior - LVMH purchased the Christian Dior brand for $US13.1 billion in 2017.
4. Tag Heuer
5. Sephora - LVMH purchased Sephora in 1997 and brought the cosmetic retailer global.
6. Louis Vuitton - Louis Vuitton was one of the conglomerate’s original brands when it was founded in 1987.
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