Podcasts about Commonwealth Bank

In episode 69 of Leaders Getting Coffee our guest is one of New Zealand’s most successful business CEO’s, Sir Ralph Norris. An everyday upbringing in Auckland’s suburb of Mt Roskill, laid the foundations for the humble and softly spoken manner that typifies Sir Ralph Norris. But don’t let that humility fool you. He was an active youngster and clearly bright enough to further his education. However, like many of the time, the family fortunes didn’t enable university study. But he certainly made up for it when opportunity came calling. His banking career started in the IT department of the ASB Bank, where he was a beneficiary of the bank’s training relationship with IBM and his own curiosity about technology. The IBM training filled in what he’d missed at university and he became instrumental in enabling the massive change that went through the banking system over the following two decades. He speaks of starting with mainframe computers that occupied their own air-conditioned rooms, and he leads us through the changes brought by the personal computer generation, and now the mobile phone centric life we all lead today. Over the course of his career, he led three massive companies. In the first, ASB Bank, he worked his way to the top job. The reputation he built there led to the next two. Firstly he was asked to take the reins at a suffering Air New Zealand in 2001, and subsequently Commonwealth Bank of Australia in 2005. In both, he encountered poor customer experience, weak employee engagement, and a flattened growth curve. In both, he led a rejuvenation that still gets talked about. Norris became the CEO of ASB Bank through that most unusual avenue of the IT department at a time when CEO’s came from sales and marketing. He also became a change manager before there was such a term. He led ASB Bank from it’s roots as a regional bank, to a national player competing on level terms with the big internationally owned banks. He brought institutional and commercial banking to what was previously a domestically focussed affair. And he created leaders. On the Leaders Getting Coffee podcast, Sir Ralph Norris speaks with Bruce Cotterill about turning business performance around. The importance of asking good questions and listening to what the people within the organisation are saying is the starting point. Then comes a good plan, and the need for relentless communication. There are lessons in this discussion for every current and aspiring leader. And each one delivered in that quiet and humble way. Sir Ralph Norris is one of our country’s best, and this discussion, a must listen, reflects that. Leaders Getting Coffee – Episode 69 with Bruce Cotterill and Sir Ralph Norris – Former CEO of ASB and Air NZ.See omnystudio.com/listener for privacy information.

Wednesday 19 August 2026 Copper becomes the driving force for BHP and healthcare giant CSL claims it is back in the game. The federal government does deals to push through its gambling, NDIS and widow tax legislation Three different takeover bids were made yesterday in the manufacturing, mining and financial services sectors Commonwealth Bank expands its loyalty points beyond credit cards A badly stuffed fox head, which turned out to be a Tasmanian Tiger, sells at auction for $118,000 Hit follow on the podcast so you don’t miss the latest news, and join our free daily newsletter here. And don’t miss the latest episode of How Do They Afford That? - ten purchases that actually save you money. Get the episode from Apple, Spotify or anywhere you listen to podcasts.Find out more: https://fearandgreed.com.au/See omnystudio.com/listener for privacy information.

Australia's biggest home lender, Commonwealth Bank, has beaten forecasts with a near $11 billion dollar annual profit. At the same time it warns of how cost-of-living pressures, a slowing Australian economy and global uncertainties are starting to show up in its loan book. Stephanie Youssef speaks to Francesco De Stradis, Investment Advisor at Ord Minnett.

Join Dennis Voznesenski, CBA's Agricultural and Sustainability Economist, for this week's Agri Commodity Update - where escalating Black Sea export disruption, stronger oil-markets and improving Australian rainfall collide with farmgate prices. This week, Dennis unpacks why Australian APW1 prices fell as northern hemisphere harvest supply pressure and favourable local weather weighed on prices, before examining why Russia's wheat story is increasingly about how much grain it can get out, rather than simply how much it can produce. He also breaks down canola's rally from oil-markets, Black Sea logistics and North American biofuel demand, before turning to cattle markets where favourable rain and tight US beef supply remain supportive, but temporarily weaker export demand is limiting local price upside.   Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.       

Australia's biggest home lender, Commonwealth Bank, has beaten forecasts with a near $11 billion dollar annual profit. At the same time it warns of how cost-of-living pressures, a slowing Australian economy and global uncertainties are starting to show up in its loan book. Stephanie Youssef speaks to Francesco De Stradis, Investment Advisor at Ord Minnett.

Η Commonwealth Bank, η μεγαλύτερη τράπεζα της Αυστραλίας, και ο μεγαλύτερος χρηματοπιστωτικός οργανισμός χορήγησης στεγαστικών δανείων στη χώρα, ανακοίνωσε, σήμερα, ότι οι αιτήσεις για στεγαστικά δάνεια έχουν μειωθεί, από τον Μάιο, κατά 15 τοις εκατό. Η πτώση αυτή, αποδίδεται αφενός, στις τρεις αυξήσεις των επιτοκίων από την Κεντρική Τράπεζα, και αφετέρου, στις φορολογικές αλλαγές που επέφερε η κατάθεση του ομοσπονδιακού δημοσιονομικού προϋπολογισμού τον Μάιο. Παράλληλα, όμως, τα καθαρά κέρδη της CBA, αυξήθηκαν κατά 7% το τελευταίο οικονομικό έτος, φτάνοντας τα 10,9 δισεκατομμύρια δολάρια.

Todays headlines include: Charges against Bondi Beach massacre hero Ahmed Al Ahmed have been withdrawn. The Commonwealth Bank has reported a cash net profit of $11 billion for the 2026 financial year. New Zealand Prime Minister Chris Luxon has survived a leadership vote, three months out from a general election. And today’s good news: More than 5,000 little penguins in Victoria will be vaccinated against the H5 bird flu. Hosts: Billi FitzSimons and Emma GillespieProducer: Imogen Abbott Want to support The Daily Aus? That's so kind! The best way to do that is to click ‘follow’ on Spotify or Apple and to leave us a five-star review. We would be so grateful. The Daily Aus is a media company focused on delivering accessible and digestible news to young people. We are completely independent. Want more from TDA?Subscribe to The Daily Aus newsletterSubscribe to The Daily Aus’ YouTube Channel Have feedback for us?We’re always looking for new ways to improve what we do. If you’ve got feedback, we’re all ears. Tell us here.See omnystudio.com/listener for privacy information.

Commonwealth Bank reported a full year profit of $10.9 billion. CEO Matt Comyn joins Scott Haywood to discuss his outlook for the housing market and the Australian economy. See omnystudio.com/listener for privacy information.

Commonwealth Bank has delivered a record full-year profit of $10.98 billion, but Australia’s biggest bank is also seeing clear signs of a slowing economy. Mortgage applications have fallen, household pressures are building and CBA expects housing credit growth to weaken.Sean Aylmer speaks with Commonwealth Bank CEO Matt Comyn about what the bank is seeing inside the Australian economy, the impact of changes to housing taxes, why slower home lending could cost CBA around $100 million in revenue, the outlook for interest rates and housing, and where the bank is investing in AI.Find out more: https://fearandgreed.com.au/See omnystudio.com/listener for privacy information.

Thursday 13 August 2026 The Commonwealth Bank announces an $11 billion profit but warns that the economy, and housing market, are slowing. The number of SME exits surges, as the economic going gets tough The federal coalition provides more details of its immigration policy Insurer Suncorp says it had to pay out on 32 separate weather events over the past year Asia is going crazy for air-conditioned clothing, to combat the increasingly number of heatwaves Hit follow on the podcast so you don’t miss the latest news, and join our free daily newsletter here. And don’t miss the latest episode of How Do They Afford That?, exploring margin loans for investing. Get the episode from Apple, Spotify or anywhere you listen to podcasts.Find out more: https://fearandgreed.com.au/See omnystudio.com/listener for privacy information.

China’s exports are booming while its property market and consumers remain under pressure, so what’s really happening in the world’s second-largest economy? Host Mandy Drury speaks with CommBank Economist & Currency Strategist Carol Kong about China’s increasingly two-speed economy and why Beijing is moving away from the stimulus-led growth model of the past. They discuss the property downturn, weak household confidence and the shift towards advanced manufacturing, technology and greater economic self-reliance. Carol also explains why China is willing to accept slower growth in pursuit of its long-term priorities, the risks that strategy creates for consumers and global trade, and what China’s changing economy could mean for Australian businesses and investors. Plus, CommBank Economist Harry Ottley shares the key focuses for markets in the week ahead. Important Information This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au. No Reliance This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes. This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made. Liability Disclaimer The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast. Usage of Artificial Intelligence To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.See omnystudio.com/listener for privacy information.

The Australian share market is poised to open lower after the RBA kept rates on hold yesterday but warned inflation remains too high. Wall Street reversed early gains as hopes of an Iran peace deal faded, sending oil prices back towards one-week highs. Locally, a busy day of earnings includes Commonwealth Bank, AGL and SEEK, while key US inflation data will also be in focus. James Gruber, Equity Market Strategist at CommSec takes you through all the key numbers. Check out our Market News page Follow us on:InstagramLinkedInYouTubeTikTok The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

The Australian share market rose on Tuesday as energy stocks surged on higher oil prices amid US-Iran tensions, while the Reserve Bank kept interest rates on hold. Reporting season dominance saw mixed results: Austol soared on a takeover offer despite losses, while Live360 and SGH fell on weak outlooks. Commonwealth Bank and other major reporters headline tomorrow's agenda.Steve Daghlian and Laura Besarati are Market Analysts at CommSec. Each episode, they break down the day's market movements and explain what the numbers really mean. Check out our Market News page Follow us on:InstagramLinkedInYouTubeTikTok The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

In this episode of the Grow Your Wealth podcast, host Travis Miller sits down with Michael Blythe, an economist with more than 30 years' experience shaping economic policy and analysing financial markets across Australia. Michael shares his career journey - graduating from the University of Sydney and spending 13 years at the Reserve Bank of Australia (RBA) to his long-standing role as Chief Economist at Commonwealth Bank and his current position as an independent economist. He reflects on navigating economic shocks like the GFC, earning the title of CBA's "resident optimist," and how data-driven insights and big-picture flexibility help navigate changing market cycles. Michael also unpacks the current interest rate and inflation landscape, property market pressures, key mentors who shaped his approach, tips for building long-term wealth, and life outside the markets. This episode is packed with practical wisdom for investors, business leaders, and anyone looking to understand the macro forces driving the Australian economy. – Career Overview: Michael Blythe's 30+ Years Across the RBA and CBA – Becoming an Independent Economist and Partnering with iPartners – The RBA Pipeline: How Economics Graduate Paths Have Evolved – Foundational Lessons from Working with Australia's Top Economists at the RBA – Macro Outlook: Interest Rates, Inflation, Oil Prices, and the Australian Consumer – Influential Mentors: From High School Maths to Glenn Stevens and David Murray – The Chief Economist's Role: Pitching to Clients, Handling Stress, and Independent Thinking – Pivotal Career Moments: Moving to CBA and Being the "Resident Optimist" During the GFC – What Drives Success: Client Feedback, Value Creation, and Stress-Testing Big Ideas – Career Advice for Aspiring Economists and the Rise of Double Degrees – Managing Bumps in the Road: Black Swan Events, Confirmation Bias, and Forecasting – Big-Picture Flexibility, High-Frequency Data, and Banking Data Insights – Defining Career Success: Calling Economic Resilience and Client Relationships – Property Market Reality Check: Rate Hikes, Supply Shortages, Diesel Costs, and First-Home Investors – Quickfire Questions: First Jobs, Share Buying Lessons, Wealth Creation, and Walking Sutherland Shire – Closing Remarks and Connecting with Michael Blythe Grow Your Wealth Podcast Website: https://www.ipartnerspodcast.com.au iPartners Website: https://www.ipartners.com.au Register Here: https://ipartners.iplatforms.com.au/register/register-as-wholesale/ iPartners LinkedIn: https://www.linkedin.com/company/ipartners-pty-ltd

A career without a plan can still take you somewhere remarkable. Meg Bonighton walked into an ANZ call centre at twenty-something looking for nine-to-two work so she could finish her university degree. Sixteen years later she was still there, having led the relaunch of internet banking, built a direct banking brand through a global financial crisis, and closed that same brand with every customer and every team member placed safely on the other side. Then she left. Then she proved herself again at NAB, then Telstra, then the Commonwealth Bank. Now she is doing something that has required its own kind of courage: building something with only her own name on it. This conversation is about what it actually takes to say yes before you feel ready, lead through the moments that test everything, and know when it is time to pack up the kit bag and start again. The Guest Meg Bonighton spent more than two decades in senior executive roles across ANZ, NAB, Telstra and the Commonwealth Bank, working across governance, risk, digital transformation and customer strategy in some of the most complex and scrutinised environments in Australian business. She has led thousands of people through a global financial crisis and a pandemic, sat on boards through both, and built a reputation for creating teams that outlast the moment that made them. She is now stepping into her third arc as a non-executive director and advisor, and starting to give back what a career of saying yes has given her. Highlights The Nine-to-Two Job That Changed Everything. Meg took a part-time call centre role at ANZ to balance finishing her degree. It was meant to last a semester. On a Friday afternoon a few years in, a manager told her he had something for her on Monday and that she was going to say no, but she shouldn't. She spent the entire weekend anxious. The project was the relaunch of ANZ's internet banking. She said yes. That habit of saying yes to the things that felt too big became the thread that ran through everything that followed. When Someone Sees You Before You See Yourself. A recurring theme across Meg's career is leaders who backed her before she had backed herself. Her answer to imposter syndrome, when a senior leader told her she was offended by the very concept, reframes what self-doubt actually means: the organisation has done its due diligence. You were chosen. Get on with it. It is advice she has passed on to every person she has led since. The Day She Closed the Brand She Built. After leading a direct banking brand through the global financial crisis, Meg had to stand up in front of her team and tell them it was closing. She had not slept. She braced for questions about jobs. The first question she received was about the customers. She nearly burst into tears. Every team member was placed before she left. That moment, she says, is the clearest measure of the culture a leader actually builds. Leading Thousands Through a Pandemic, Across Three Countries, From Two States. At Telstra, Meg ran global contact centres across three countries while simultaneously sitting on the TelstraSuper board during a period of unprecedented member withdrawals, homeschooling her children in Melbourne, and sharing childcare with her partner in Sydney. She describes it as peak hat. What she took from it was clarity: that crisis strips away everything except what actually matters, and that is where people find out who they are as leaders. The Third Arc. After two decades of building inside other people's organisations, Meg is now building inside her own. She calls this her third arc, and it is not a wind-down. It is the deliberate choice to take every wicked problem, every lesson, every team she has ever led, and put it to work differently. She is learning Italian badly and relearning tennis from scratch. Both, she says, are teaching her something she keeps needing to remember: that humility is not weakness. It is the fastest way to learn. Quotes "I stood up in front of the team and told them the brand was closing. I was expecting the first question to be about jobs. Instead it was, what happens to our customers? I nearly burst into tears. That was the power of what we had built." "Say yes to something that is going to build out your kit bag, and all the more so if it is coming from someone or somewhere you trust. It is another way of feeling the fear and doing it anyway. You will create a beautiful story for yourself along the way." Reflection The kit bag is a simple idea. Every yes adds something you carry forward. Every hard season, every role that tested you, every team you had to lead through something nobody prepared you for. Meg has been packing hers for more than twenty years. Listening to this conversation, I found myself thinking about my own. What is in it. What I almost left behind. And what I am still building the courage to add.   Connect with Meg Bonighton: LinkedIn  This episode is brought to you by: Cell Wellness Co | Naturally Glutenfree Connect with Kirsty Ghahramani (Gee):  LinkedIn |  Instagram | Website

The Reserve Bank looks likely to leave interest rates on hold this week. But what actually happens behind closed doors when that decision is made?Michael Thompson is joined by economist Stephen Koukoulas, looking at why he expects the RBA to stay on hold, how the nine-member Monetary Policy Board reaches its decision, and just how close those votes can be.They also preview the NAB Business Survey, average weekly earnings and housing lending data, and look at what Commonwealth Bank's results could tell us about stress among Australian borrowers.Join our free daily newsletter here.Find out more: https://fearandgreed.com.au/See omnystudio.com/listener for privacy information.

Friday 7 August 2026 BHP, Commonwealth Bank and Qantas are embroiled in industrial disputes as union power increases. The local share market hits another new high AI predicted to add $100 billion to the economy in ten year’s time Pauline Hanson explains the types of immigrants she wants to come to Australia Electric vehicle sales continue to climb Hit follow on the podcast so you don’t miss the latest news, and join our free daily newsletter here. And don’t miss the latest episode of How Do They Afford That?, answering a listener question: what happens when the market hits my goal before I do? Get the episode from Apple, Spotify or anywhere you listen to podcasts.Find out more: https://fearandgreed.com.au/See omnystudio.com/listener for privacy information.

Australia is attracting billions of dollars in data centre investment, but can the country deliver the infrastructure needed to support the AI boom? Host Mandy Drury speaks with CommBank Economist Lucinda Jerogin about Australia's rapidly expanding data centre pipeline, what is driving demand and why the sector is set to become the biggest contributor to business investment growth over the next two years. They discuss the scale of the proposed build-out, why the economic boost is smaller than the investment headline suggests, and the evidence that projects are already moving beyond announcements. They also explore the challenges facing the sector, from electricity, water and skills shortages to community opposition, and whether Australia's data centre boom should ultimately be viewed as an AI opportunity or an infrastructure challenge. Plus, CommBank International & Sustainable Economist John Oh shares the key focuses for markets in the week ahead. Important Information This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au. No Reliance This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes. This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made. Liability Disclaimer The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast. Usage of Artificial Intelligence To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.See omnystudio.com/listener for privacy information.

Join Dennis Voznesenski, Agriculture and Sustainability Economist at Commonwealth Bank, for this week's Agri Commodity Update - where Black Sea disruption, improving northern hemisphere supply and softer global demand collide with Australian farmgate prices. This week, Dennis unpacks why wheat prices fell as harvest supply outweighed repeated attacks on Black Sea export infrastructure, why Australian APW1 prices followed offshore futures lower and how forecast southern rainfall is improving local crop prospects. He also breaks down canola's decline from improved Canadian crop conditions, weaker soybeans, softer oil-markets and a firmer Australian dollar. He then turns to cattle markets where tight US supply remains supportive, but limited inland rainfall, rising yardings and weaker Chinese and US beef-market signals are putting downward pressure on prices.   Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence. 

The Middle East conflict has entered a new phase, but where could it go from here and what would it mean for the global economy? Host Mandy Drury speaks with CommBank Senior Geo-Economics Analyst Dr Madison Cartwright about why the Memorandum of Understanding collapsed, the three most likely paths for the conflict and why a diplomatic solution may become more likely over the coming months. Mandy also speaks with CommBank Head of Commodities and Sustainable Economics Vivek Dhar about how markets are assessing the conflict, the outlook for oil prices and what higher energy costs could mean for Australian households, businesses and inflation. Plus, CommBank Senior Associate, Market Strategy and Rates Research Michael Tang shares the key focuses for markets in the week ahead. Important Information This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au. No Reliance This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes. This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made. Liability Disclaimer The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast. Usage of Artificial Intelligence To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.See omnystudio.com/listener for privacy information.

Join Dennis Voznesenski, Director, Sustainable and Agricultural Economist at Commonwealth Bank, for this week's Agri Commodity Update — where Black Sea disruption, oil-markets and global beef trade collide with Australian farmgate prices. This week, Dennis unpacks why wheat prices swung sharply as Russia-Ukraine attacks disrupted Black Sea export logistics, why Australian APW1 prices rose despite offshore futures finishing lower, and how patchy rainfall is changing local crop prospects. He also breaks down canola's pull between weaker oilseed and crude markets, Canadian crop risk and expanded crushing capacity, before turning to cattle markets where US beef demand and continued market access remain supportive, but limited inland rain, higher feedgrain costs, rising yardings and South Korea's safeguard tariff are limiting upside.   Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence. 

Alpana Bajaj, Partner Group Product Manager at Microsoft, discusses how Microsoft is reimagining the contact centre with AI-first design and agentic capabilities.• How Dynamics 365 Contact Center evolved from Omnichannel to a standalone, CRM-agnostic platform born in the AI era• The five out-of-the-box AI agents: Customer Assist, Quality Assurance, Case Management, Knowledge Management, and ServiceOps• Real-world customer stories, including double-digit improvements in call deflection, wrap-up time, and CSAT scores• How Microsoft uses its own contact centre as a testing ground, serving over a billion customers across 40+ languages• Licensing simplified: per-seat for human agents, consumption-based Copilot Studio credits for AI capabilities• A practical ROI framework covering customer experience, operational efficiency, and revenue generationLink to the deck: Agentify Your Contact Center Alpana Bajaj Link to the Commonwealth Bank case studyThanks to Ribbon, this episode's sponsor, for their continued support of Empowering.Cloud

Join Dennis Voznesenski, Director, Sustainable and Agricultural Economist at Commonwealth Bank, for this week's Agri Commodity Update — where Black Sea disruption, oil-markets and the Middle East collide with Australian farmgate prices. This week, Dennis unpacks why wheat prices rallied sharply as Russia-Ukraine attacks disrupted Black Sea export logistics, why Australian APW1 prices rose but lagged offshore futures, and how WA rainfall is changing local crop prospects. He also breaks down canola's lift from crude oil, soybean oil, European crop downgrades and improved Chinese import access, before turning to cattle markets where rainfall and US beef demand remain supportive, but higher feedgrain costs, larger yardings and Brazilian beef competition are limiting upside.   Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.     

We go behind the scenes in Japan for a first look at ANA's new Boeing 787 cabin, including The Room FX Business Class suite, updated Premium Economy and a more spacious Economy seat. Brandon and Toby test the mock-ups, talk through the biggest upgrades, and explain what makes The Room FX different from ANA's existing “The Room” Business Class on the Boeing 777. Expect sliding doors, a 24-inch 4K screen, Bluetooth audio, USB-C charging, wireless charging, improved storage and a sofa-style seat that folds into a fully-flat bed. We also look at ANA's refreshed Premium Economy, including 40 inches of pitch and extra recline, plus the new Economy seat with more usable knee room. The big question: will these upgraded Boeing 787s eventually fly to Australia?

Australia is entering a major defence investment cycle, but what will it mean for the economy and which businesses and industries stand to benefit? Host Mandy Drury speaks with CommBank Senior Economist, Business & Industry Ryan Felsman about why the global peace dividend is over, Australia's growing defence investment, the role of AUKUS and the challenges of building Australia's sovereign defence capability. They also explore the opportunities for shipbuilders, engineering firms, technology companies and SMEs, as well as the states likely to receive the greatest economic benefit from increased defence spending. Plus, CommBank Economist and Currency Strategist Samara Hammoud shares the key focuses for markets in the week ahead. Important Information This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au. No Reliance This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes. This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made. Liability Disclaimer The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast. Usage of Artificial Intelligence To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.See omnystudio.com/listener for privacy information.

After our brief hiatus, we are back with our Cross-Examining Cyber Director Series. In this series, we sit down with some of Australia's leading directors to discuss the challenges and opportunities facing boards in an increasingly complex cyber landscape. In this episode, we cross-examine Anne Templeman-Jones, one of Australia's most accomplished business leaders and non-executive directors. Anne has served on the boards of Commonwealth Bank, GUD Holdings Limited, Worley Limited, and Blackmores (as Chair). She has also held board and leadership roles with Cuscal Limited, HT&E Limited, Pioneer Credit Limited, TAL Superannuation Fund… the list goes on. Anne is also passionate about technology and cyber security – what a combination! In this conversation, Anne shares insights from her boardroom experience, including how directors can navigate emerging technology risks, approach cyber resilience, and balance governance with growth and innovation. Drawing on a career that has spanned multiple industries, Anne reflects on what makes an effective director and the lessons that boards can apply in an increasingly uncertain digital environment. Thanks again for listening. This is Cross-Examining Anne Templeman-Jones. Here we go…

This week Dennis Voznesenski, CBA's Agricultural Economist, interview's GrainCorp's CEO Robert Spurway about the pathway to creating Sustainable Aviation Fuel and Renewable Diesel in Australia.    You can find a video version of the podcast on LinkedIn here: https://www.linkedin.com/feed/update/urn:li:activity:7483437809404674048/?commentUrn=urn%3Ali%3Acomment%3A(ugcPost%3A7483434611427934208%2C7483445471546363904)&dashCommentUrn=urn%3Ali%3Afsd_comment%3A(7483445471546363904%2Curn%3Ali%3AugcPost%3A7483434611427934208)&dashReplyUrn=urn%3Ali%3Afsd_comment%3A(7484735060278120449%2Curn%3Ali%3AugcPost%3A7483434611427934208)&replyUrn=urn%3Ali%3Acomment%3A(ugcPost%3A7483434611427934208%2C7484735060278120449)    Disclaimer:  Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.       

With an updated broker strategy underway, Australia's largest mortgage lender is now targeting partnerships with 'high-quality, highly productive' brokers to provide a tailored service to better support their clients. But what does that actually entail? In this today's episode of In Focus, sponsored by the Commonwealth Bank of Australia, host Annie Kane welcomes national broker sales lead Michael Piper to dive into how the major bank is leveraging technology, tiering support, and evolving its lending policies to help brokers navigate increasingly complex borrower scenarios and scale their businesses. Tune in to find out: Why CBA thinks brokers will thrive as client needs become more complex. What the bank's three-tiered support system for brokers entails. How digitisation is helping brokers proactively manage client portfolios. And much more! Disclaimer: Applications for credit are subject to credit approval, satisfactory security, and minimum deposit requirements. Conditions apply to all loan options. Full terms and conditions will be set out in our loan offer if an offer is made. Interest rates are subject to change.

Join Dennis Voznesenski for this week's Agri Commodity Update — where global geopolitical risk is back at the centre of agricultural markets. This week, Dennis unpacks why wheat prices jumped as Black Sea disruption, tighter North American supply and European crop-quality concerns pushed offshore futures sharply higher — and why Australian APW1 prices only partly followed. He also breaks down Canadian canola moisture risk, stronger China-linked soybean demand, split GM and non-GM canola prices, and why cattle markets took a breather as higher yardings, firmer feed costs and softer offshore beef signals weighed on prices. From the Sea of Azov to the Strait of Hormuz, this is the week in agriculture through the lens of prices, risk and Australian producer impact. Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence. 

The global economy is entering a new era, but what does that mean for interest rates, inflation and long-term growth? Host Mandy Drury speaks with CommBank Head of Market Strategy & Rates Research Adam Donaldson about the long-term forces reshaping interest rates. They discuss the rising neutral interest rate, the impact of AI investment, defence spending and the energy transition, and why central banks are facing a very different environment than they did over the past three decades. Mandy also speaks with CommBank Senior Geoeconomics Analyst Dr Madison Cartwright about the changing global order. They explore the end of the globalisation era, why governments are prioritising security over efficiency, and what a more fragmented world could mean for inflation, investment and economic growth. Plus, CommBank International & Sustainable Economist John Oh shares the key focuses for markets in the week ahead. Important Information This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au. No Reliance This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes. This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made. Liability Disclaimer The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast. Usage of Artificial Intelligence To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.See omnystudio.com/listener for privacy information.

I'm Blake, and Tracey is taking a well-earned break this week, but I'm joined by a very special guest co-host, Jonno Newman from TRM Labs.If you haven't come across TRM before, they're one of the world's leading blockchain intelligence firms, working with governments, law enforcement agencies and some of the biggest crypto businesses on the planet to investigate hacks, trace stolen funds and follow the money on-chain. Jonno, great to have you with us.And you've picked a fascinating week to jump in.

Join Dennis Voznesenski, Director, Sustainable and Agricultural Economist at Commonwealth Bank, for this week's Agri Commodity Update — where global market risk meets Australian farmgate reality. This week, Dennis unpacks why offshore wheat and canola markets rallied, why Australian prices only partly followed, and how plentiful rainfall is reshaping local crop and cattle market confidence. From weaker US wheat conditions and European quality risk, to Canadian canola weather concerns, softer feedgrain costs and shifting beef demand from the US, China and South Korea — this is the week in agriculture, through the lens of prices, risk and what it means for Australian producers. Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence. 

Australia’s economy is slowing, but what does the global outlook mean for the path ahead? Host Mandy Drury speaks with CommBank Head of Australian Economics Belinda Allen about why housing has become the key headwind for the Australian economy. They discuss weaker market momentum, consumer spending, the outlook for interest rates and whether AI investment can help offset softer domestic demand. Mandy also speaks with CommBank Head of FX, International and Geoeconomics Joseph Capurso about the global forces shaping the economic outlook. They discuss lower oil prices, maritime trade risks, the US AI boom, China's two-speed economy and Europe's ongoing challenges. Plus, CommBank’s Associate Economist Lucinda Jerogin shares the key focuses for markets in the week ahead. Important Information This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au. No Reliance This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes. This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made. Liability Disclaimer The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast. Usage of Artificial Intelligence To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.See omnystudio.com/listener for privacy information.

Markets began the year expecting US interest rate cuts, so why are they now preparing for hikes instead? Host Mandy Drury speaks with CommBank Senior Economist & Currency Strategist Kristina Clifton about the changing outlook for US monetary policy and what it means for global markets. They discuss why expectations for the Federal Reserve have shifted so dramatically, how stronger US growth and AI investment are supporting the economy, and why CommBank continues to expect a Fed hiking cycle. They also explore Kevin Warsh's first meeting as Fed Chair, the importance of central bank independence, the outlook for inflation and interest rates, and why developments in the US continue to shape financial markets around the world. Plus, CommBank Senior Associate in Market Strategy & Rates Research Michael Tang shares the key focuses for markets in the week ahead. Important Information This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au. No Reliance This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes. This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made. Liability Disclaimer The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast. Usage of Artificial Intelligence To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.See omnystudio.com/listener for privacy information.

Productivity growth has slowed across Australia and much of the developed world, but what will it take to turn the trend around? CommBank Chief Economist Luke Yeaman sits down with Productivity Commission Chair Danielle Wood about the forces shaping productivity growth in Australia and globally. They discuss the causes of the productivity slowdown, the opportunities and challenges presented by artificial intelligence, and what Australia must do to improve business investment, innovation and technology adoption. They also explore the role of tax reform, regulation, housing, migration and public sector productivity in supporting long-term economic growth, as well as why lifting productivity remains critical to improving living standards in the years ahead. Plus, CommBank Economist & Currency Strategist Carol Kong shares the key focuses for markets in the week ahead. Important Information This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au. No Reliance This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes. This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made. Liability Disclaimer The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast. Usage of Artificial Intelligence To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.See omnystudio.com/listener for privacy information.

With major changes to negative gearing and capital gains tax set to dampen the appeal of residential property for investors, where will capital flow to instead? Host Mandy Drury speaks with CommBank Director, Commercial Property Kevin Stanley about why commercial property may become a more attractive option for some investors as a result of the recent tax reforms. They discuss the outlook for rental housing supply, and how capital could shift between residential and commercial assets in the years ahead. They also explore the outlook for office, retail and industrial property, why shopping centres continue to outperform expectations, and how emerging sectors such as data centres are creating new opportunities across the commercial property market. Plus, CommBank Associate Director Australian Economist Harry Ottley outlines the series of central bank decisions expected this week and key themes markets are watching. Important Information This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au. No Reliance This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes. This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made. Liability Disclaimer The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast. Usage of Artificial Intelligence To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.See omnystudio.com/listener for privacy information.

CBA's agricultural economist, Dennis Voznesenski, delves into the latest on favourable weather developments and declining fertiliser markets.    Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence. 

Australia's housing market has remained remarkably resilient, but is the slowdown only just beginning? Host Mandy Drury speaks with CommBank Senior Economist Trent Saunders about the latest trends in the housing market and why sentiment is starting to weaken. They discuss softer auction clearance rates, longer selling times and how higher interest rates and recent housing tax reforms are weighing on buyer and investor confidence. They also explore why CommBank economists now expect house prices to remain broadly flat through 2026, what the changes to negative gearing and capital gains tax could mean for affordability and investment, and what could help stabilise the market as interest rates eventually begin to ease. Plus, CommBank’s Associate Economist Lucinda Jerogin shares the key focuses for markets in the week ahead. Important Information This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au. No Reliance This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes. This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made. Liability Disclaimer The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast. Usage of Artificial Intelligence To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.See omnystudio.com/listener for privacy information.

Around three million low-paid Australian workers are set to receive a pay rise after the Fair Work Commission lifted the national minimum wage and increased award wages above the current inflation rate. Ricardo Gonçalves speaks with Commonwealth Bank economist Harry Ottley about what the decision means for household budgets, inflation and the broader economy. Plus, the ASX 200 edged lower as retailers and shopping centre operators came under pressure following the wage decision, while technology stocks rallied and BHP hit another record high. Alice Shen, CFA from VanEck joins the podcast to unpack the day's market moves and the influence of another strong session on Wall Street

Have energy markets become too complacent about the risks of the Iran conflict? Host Mandy Drury speaks with CommBank's Head of Commodities & Sustainability Research Vivek Dhar about why oil and fuel prices have eased despite ongoing disruptions in the Strait of Hormuz. They discuss the role of global inventories, the risk of another energy price shock, and why the next few weeks could prove critical for oil markets. They also explore what higher energy prices mean for Australian households and businesses, the outlook for petrol, gas and electricity prices, and how the crisis is reshaping the conversation around energy security, electrification and the transition to a lower-carbon economy. Plus, CommBank’s Associate International Economist & Currency Strategist Samara Hammoud shares the key focuses for markets this week. Important Information This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au. No Reliance This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes. This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made. Liability Disclaimer The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast. Usage of Artificial Intelligence To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.See omnystudio.com/listener for privacy information.

The federal budget has investors asking whether the old wealth-building playbook still works. Charlie Viola joins Bryce and Ren to unpack what proposed tax changes mean for trusts, super, property, private credit and portfolio construction and why the fundamentals still matter more than the tax noise.In this episode: 00:00 — Why tax changes shouldn't derail good investing00:55 — Budget changes and the pressure on family trusts05:14 — Capital gains tax: overreaction or real risk?09:01 — How accumulators should think about structures15:31 — Has the case for investment property changed?17:22 — Property, leverage and negative gearing19:23 — Global equities, AI and portfolio positioning23:14 — Why Australian equities look less compelling25:01 — Private credit and understanding the risks28:14 — Infrastructure's role in portfolios32:49 — Charlie's key actions for investors this yearIf you would like to speak to Charlie or any of his team head to equitymates.com/advice and we will put you in touch.Stocks & ETFs mentioned: Commonwealth Bank of Australia (ASX: CBA), BHP Group (ASX: BHP), ANZ Group (ASX: ANZ), Telstra Group (ASX: TLS), Woolworths Group (ASX: WOW), CSL (ASX: CSL), Cochlear (ASX: COH), Brambles (ASX: BXB), Macquarie Group (ASX: MQG), Hamilton Lane (NASDAQ: HLNE), KKR & Co (NYSE: KKR), Qualitas (ASX: QAL).———Want to get involved in the podcast? Record a voice note or send us a messageAnd come and join the conversation in the Equity Mates Facebook Discussion Group.———Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we've got you covered.Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify)We're particularly excited to share our latest show: Basis PointsListen to the podcast (Apple | Spotify)Watch on YouTubeRead the monthly email———Looking for some of our favourite research tools?Download our free Basics of ETF handbookOr our free 4-step stock checklistFind company information on TIKRResearch reports from Good ResearchTrack your portfolio with Sharesight———Equity Mates Investing is a product of Equity Mates Media. Hosted on Acast. See acast.com/privacy for more information.

“We're in a world surrounded by so much data and AI we can get lost in the noise of it all, and I've found that throughout my year as a performer, the amount of times people say to me, you know, your content is great, but your energy, your essence, your presence is what really makes us attracted to connecting with you…” Sarah Rowan Top Five Tips For Staying Human, Creative and Connected In 2026 1. Choose presence over performance2. Create spaces where people feel safe, seen and connected3. Prioritize quiet...stillness is becoming a superpower4. Grow your tech skills... and your human skills... side by side5. Get your hands in the dirt TIME STAMP SUMMARY01:39 Human connection and presence are essential, 06:05 Creating a safe space for people to be creative, free from judgment and ridicule.12:48 Learning bit by bit to avoid burnout and stay present.18: 50 Finding small ways to connect with nature, even in urban environments, to improve their overall well-being. Where to find Sarah?Website                             https://artistsarahrowan.com/about/LinkedIn                            https://www.linkedin.com/in/artistsarahrowan/ Sarah Rowan Bio Sarah Rowan (who now goes by Rowan) is an artist and thought leader who empowers individuals and organizations to ignite a better future through creativity. As one of Australia's top Speed Painters, she has lived and breathed the dynamic process of transformation for over 20 years, turning blank walls and cavasses into thought-provoking pieces of art, with limited time and often in front of a live audience. Merging her artistic talent with her passion for public speaking, Rowan has reimagined the role of the artist, pushing the boundaries of a studio-based pursuit into a trail-blazing performance genre that challenges the limitations of time and space.After graduating from Converse College in 2003 with a BFA in Studio Art, Rowan started an art business in Greenville, South Carolina, USA before moving to Sydney to expand her horizons. It was here that she used the process of creative futurism to overcome depression, challenge chronic illness and create a new future for herself and her family. No longer shackled by societal norms, she has stepped into the full power of her truth personally and professionally.Rowan's strong emotional storytelling, along with her ability to paint fast and think fast has captivated hundreds of clients like Nestlé, ANZ, AMP, Ernst & Young, Woolworths, Sydney Airport, and Priceline. She has inspired audiences to embrace their own creativity which she believes is a “birthright to all” and to date has painted at over 600 events raising over $400,000 for charity.Other clients include: SAP, Netball World Cup, Salvation Army, Terry White Chemmart, YPO, City of Sydney, Commonwealth Bank, American Express, Doterra, Department of Defence, Mirvac, Australian College of Nursing, Liberty Finance, University of Sydney, NAB, ANZ, Dexus, Fastway Couriers, AUSCAM, Bombay Sapphire, International Canadian School Ho Chi Min City, etc.

Big moves at the top of the ASX, inflation heating up in the US, and a beaten-up healthcare names under the microscope. In this episode, Bryce, Alec and Mr.Beat-Up unpack BHP overtaking Commonwealth Bank, CSL's brutal fall from grace, and whether TransMedics' organ transplant technology can justify the risk after its share price has been cut by two-thirds.In this episode:00:00 — Intro & Welcome Mr Beat Up01:31 — Budget Fallout Hits Banks & Housing Stocks03:14 — BHP Overtakes CBA as Australia's Biggest Company06:06 — CSL Falls Out Of The ASX Top 1009:38 — New Fed Chair & Rising US Inflation11:51 — Mr Beat Up: TransMedics15:05 — Why TransMedics Is Beaten Down?18:31 — The Bull Case: 4-Step Stock Checklist21:39 — How Big is the Moat?25:21 — Can it Reinvest it's Profits Productively?27:05 — Is TMDX an Affordable Stock?29:06 — The Final VerdictStocks & ETFs mentioned: CSL (ASX: CSL), BHP (ASX: BHP), Commonwealth Bank (ASX: CBA), REA Group (ASX: REA), NAB (ASX: NAB), ANZ (ASX: ANZ), Westpac (ASX: WBC), Macquarie Group (ASX: MQG), TransMedics (NASDAQ: TMDX), Intuitive Surgical (NASDAQ: ISRG), Eli Lilly (NYSE: LLY), Betashares Global X Metals ETF (ASX: WIRE)———Want to get involved in the podcast? Record a voice note or send us a messageAnd come and join the conversation in the Equity Mates Facebook Discussion Group.———Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we've got you covered.Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify)We're particularly excited to share our latest show: Basis PointsListen to the podcast (Apple | Spotify)Watch on YouTubeRead the monthly email———Looking for some of our favourite research tools?Download our free Basics of ETF handbookOr our free 4-step stock checklistFind company information on TIKRResearch reports from Good ResearchTrack your portfolio with Sharesight———In the spirit of reconciliation, Equity Mates Media and the hosts of Equity Mates Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.———Equity Mates Investing is a product of Equity Mates Media. Hosted on Acast. See acast.com/privacy for more information.

CannCon and Ashe in America tackle Chapter 3 of G. Edward Griffin's The Creature from Jekyll Island, where the theoretical bailout playbook from Chapter 2 gets applied to real history. Penn Central, Lockheed, New York City, Chrysler, Commonwealth Bank of Detroit, First Pennsylvania Bank, and Continental Illinois all get walked through the same script: reckless loans, emotional blackmail to Congress, taxpayers absorb the losses, and the banks walk away whole. The FDIC gets exposed as a tiered system that quietly hands large banks a free ride on uninsured deposits paid for by smaller banks and the public. The duo also uncover significant content missing from the fifth edition compared to the third, including entire sections on the FDIC mechanics and the Unity Bank bailout, and ask the question everyone should be asking: why was it removed? Plus, CannCon drops the news that an interview with author G. Edward Griffin himself may be on the horizon.

Apple and Commonwealth Bank are squaring off over the future of payments, AI-linked stocks are still ripping, and the Equity Mates community portfolio gets a new ASX stock pitch. Plus, Riley brings the data on dollar cost averaging in Australia and proves that even God, with perfect market timing, still loses to simply getting invested and staying invested.In this episode: 00:00 - Intro & FinFest Save the Date01:27 - News and Markets: Apple Takes On CBA05:22 - AMD Results Causes AI Boom08:39 - Iran Moves Oil & Markets09:50 - Community Portfolio Update14:41 - Matt Pitches PWR Holdings20:43 - Why God Can't Beat Dollar Cost AveragingETFs and Stocks mentioned: Apple (NASDAQ: AAPL), Commonwealth Bank (ASX: CBA), Advanced Micro Devices (NASDAQ: AMD), Intel (NASDAQ: INTC), Nvidia (NASDAQ: NVDA), Arm (NASDAQ: ARM), Qualcomm (NASDAQ: QCOM), Samsung Electronics (KRX: 005930), SK Hynix (KRX: 000660), Betashares Diversified All Growth ETF (ASX: DHHF), Pro Medicus (ASX: PME), Alphabet (NASDAQ: GOOGL), Caterpillar (NYSE: CAT), Telix Pharmaceuticals (ASX: TLX), Global X Artificial Intelligence Infrastructure ETF, Link Minerals, PlaySide Studios (ASX: PLY), Spotify (NYSE: SPOT), Catapult (ASX: CAT), PWR Holdings (ASX: PWH), BAE Systems (LSE: BA)———Want to get involved in the podcast? Record a voice note or send us a messageAnd come and join the conversation in the Equity Mates Facebook Discussion Group.———Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we've got you covered.Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify)We're particularly excited to share our latest show: Basis PointsListen to the podcast (Apple | Spotify)Watch on YouTubeRead the monthly email———Looking for some of our favourite research tools?Download our free Basics of ETF handbookOr our free 4-step stock checklistFind company information on TIKRResearch reports from Good ResearchTrack your portfolio with Sharesight———In the spirit of reconciliation, Equity Mates Media and the hosts of Equity Mates Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.———Equity Mates Investing is a product of Equity Mates Media. Hosted on Acast. See acast.com/privacy for more information.

Peter Merel: When a Hub-and-Spoke Executive Hijacks Your Agile Transformation — And What to Do About It Read the full Show Notes and search through the world's largest audio library on Agile and Scrum directly on the Scrum Master Toolbox Podcast website: http://bit.ly/SMTP_ShowNotes.   "Either you're going to do what you know works, or you're going to step away. Either way, you're not going to do damage to your client." - Peter Merel   After a successful transformation at Commonwealth Bank of Australia, Peter Merel moved to Westpac, another major Australian bank, expecting to replicate the same approach. He found an executive who appeared eager to support an agile transformation — but this executive saw agile as the ideal form of micromanagement. Everything and everyone revolved around this one individual, and as Peter began facilitating conversations that didn't hub on the executive, the executive felt disempowered. Peter was blind to this dynamic — he had never encountered it before. The situation deteriorated because Peter had been hired to run a push-based transformation, when he knew from experience that only pull-based transformation works. At Commonwealth Bank, he had built a thin steel thread from business through to DevOps with a small group, proved it worked, and then grown it organically. At Westpac, he let himself be persuaded to push change into the organization, and it compromised everything. The lesson Peter shares is stark: if you can't do what you know works, and you can't step away, then you are the problem. He also warns that when coaches fail this way, they make life harder for whoever comes next — a responsibility that's easy to overlook in the moment.   In this segment, we talk about pull-based transformation and why push-based change programs consistently fail in large organizations.   Self-reflection Question: Are you currently in a situation where you've compromised on your approach to change — and if so, are you doing more damage by staying than you would by stepping away? Featured Book of the Week: The Agile Way by Peter Merel Peter's own book, The Agile Way, is his modern translation of the Tao Te Ching — a 3,000-year-old text he argues was originally about how to achieve agile development in organizations large and small. Peter first started translating this text in 1989, and after decades of iteration, the book draws connections between ancient wisdom and modern agile practices — XP, Lean, Theory of Constraints, throughput accounting, and permaculture. As Peter explains, "The sage in Lao Tzu is Shang Ren — agile people. This is a book about agile people, agility, and it always was." The book is available at agile.way.pm, and Kent Beck, who wrote the foreword, calls it "a dangerous little book" — dangerous in the same sense as the word extreme.   [The Scrum Master Toolbox Podcast Recommends]

Peter Merel: When Telling a Manager "You Don't Have a Role" Backfires — A Lesson in Agile Coaching Humility Read the full Show Notes and search through the world's largest audio library on Agile and Scrum directly on the Scrum Master Toolbox Podcast website: http://bit.ly/SMTP_ShowNotes.   "A failure is not a failure. A failure is just the first step." - Peter Merel   Peter Merel became a Scrum Master by stealth — long before the title existed. Credited in Kent Beck's first XP book and present at the first agile conference, Peter was practicing lightweight processes at Hewlett Packard in the late 1990s. When he took a role at GMAC, the residential finance arm of General Motors, he brought XP practices with him and found early success. After six months of strong results, the project manager, Mike Alakom, sat Peter down and asked the most dangerous management question: "What do I do?" Peter gave what he now calls the stupidest answer possible — "You don't really have a role in this process." The next day, Mike called an all-hands meeting and calmly maneuvered Peter into crediting the entire way of working as Mike's idea. Peter stayed on for another six months, but at arm's length. In hindsight, Peter recognizes Mike did exactly what he should have done. The second failure came at Commonwealth Bank of Australia, where Peter was brought in to coach agile but was actually being set up to fail — a ripcord the organization could pull when it wasn't ready for change. The delivery manager, Des Webster, told Peter directly: "You were set up to fail." Peter walked away, thinking he'd never return. But six years later, every person he had coached had moved up in the organization, and Peter came back as principal coach for 50,000 people. The CIO declared Agile one of the bank's five pillars. Just because you hit the wall doesn't mean it's the end — it might be the beginning.   Self-reflection Question: When was the last time you failed at introducing change, and have you considered that the seeds you planted might still be growing in ways you can't yet see?   [The Scrum Master Toolbox Podcast Recommends]

Find the full episode and bonus content on our Substack: https://designbetterpodcast.com/p/etinosa-agbonlahor For product teams at startups and established tech giants alike, finding the right pricing and value proposition often feels more like alchemy than science. It's a high-stakes game of guesswork involving the complex psychology, shifting values, and ingrained behaviors of your customers. While it can take years of trial and error to dial in, our guest today is here to help us decode the pricing formula and understand the behavioral drivers that make a product indispensable. Etinosa Agbonlahor is a behavioral economist and founder of Decision Alpha, a consultancy that helps businesses understand the psychology behind how people make financial decisions. She's worked with organizations like Fidelity and Commonwealth Bank of Australia studying how people save, spend, and invest — and she's turned those insights toward one of the trickiest challenges any business faces: pricing. In this episode, Etinosa walks us through the cognitive shortcuts that shape how customers perceive value — from anchoring and the decoy effect to the surprising power of round numbers. She explains why pricing should be a conversation that starts early in product development, not an afterthought tacked on at launch. And she offers practical guidance for freelancers and studio owners who struggle with that uncomfortable moment of telling a client what they charge. We even put her to work live on the show, walking through the Design Better membership page to diagnose what's working and what we could improve. Her advice was immediate, specific, and — honestly — a little humbling. Whether you're designing a SaaS pricing page or figuring out how to raise your freelance rates without apologizing, this one's packed with insights you can use right away. Bio Etinosa Agbonlahor is a behavioral economist and CEO of Decision Alpha, a behavioral firm that helps businesses understand what customers value and turn that into clearer pricing and growth. Passionate about helping people reduce financial stress and live healthier financial lives, Etinosa brings over a decade of experience working across the U.S., Australia, Africa, and the U.K. She has shaped financial wellbeing, engagement, and customer behavior strategies for global financial institutions, private businesses, and venture-backed startups. Her work has been featured in MarketWatch, Morningstar, and other leading platforms, highlighting her focus on how behavior drives healthier financial outcomes. Etinosa is the author of How to Talk to Your Parents About Money, a guide to navigating complex financial conversations.

Melina Marchetta grew up in Sydney in a close-knit Sicilian family, but she never wanted to be seen as 'that Italian girl'. Years later, she drew on her story to write an Australian classic (R).Growing up, Melina lied about the fact she was forbidden to go out on the weekends, and instead told her friends she had to attend lots of weddings.At 19 years old, she visited Italy for the first time and met her great aunts, still grieving the siblings who had left for Australia decades earlier.Melina was working in the Commonwealth Bank when she began writing the novel inspired by her family's story.Looking for Alibrandi was rejected five times before it was published some years later.Then it became an Australian classic.Originally broadcast in April 2019.Melina's latest novel The Place on Dalhousie was published by Penguin in 2019.And her latest children's book in the What Zola Did series, was published in 2022.This Conversation was produced by Nicola Harrison. Executive Producer was Carmel Rooney.It explores Australian literature, writing, books, memoir, semi-autobiographical, novels, youth literature, teen literature, romance, coming of age, migrant stories, Italian-Australian stories, movie adaptation, Pia Miranda, Kick Gurry, Anthony LaPaglia.To binge even more great episodes of the Conversations podcast with Richard Fidler and Sarah Kanowski go the ABC listen app (Australia) or wherever you get your podcasts. There you'll find hundreds of the best thought-provoking interviews with authors, writers, artists, politicians, psychologists, musicians, and celebrities.