ACN Business

No credit history? No problem − new research suggests shopping data works as a proxy for creditworthiness

Written by Joonhyuk Yang, Assistant Professor of Marketing, Mendoza College of Business, University of Notre Dame

No credit history? That need not be a problem for first-time borrowing.AP Photo/Mark Humphrey

If you didn’t know much about someone, would you lend them a whole lot of money? Probably not – and banks are the same way. That’s why people with no credit history often have trouble getting loans. Banks and credit bureaus look at...

Navigating the New Normal in Fleet Operations: A Raw Look at 2025’s Industry Shifts
The Year of Reckoning for Fleet Management 2025 isn’t just another year for fleet operators. It’s the year where everythi…
Even if heads roll at Optus, we may not know much about their executive payouts
Optus has promised its staff will be held accountable for September’s Triple Zero outage – but only after “…
RBA keeps interest rates on hold, leaving borrowers looking further ahead for relief
As expected, the Reserve Bank of Australia (RBA) has kept the cash rate steady at 3.6%. Its board unanimously agreed it was b…
Bali powers Aussie retailers for Christmas
With holiday sales set to surge, Australia’s biggest brands are increasingly routing customer calls nearshore, with Bali …
Unpaid ‘women’s work’ is worth $427 billion, new research shows. See how much your unpaid labour is worth
Canva/The Conversation, CC BY-SAAll those thousands of hours that Australians put towards unpaid household work and care &nda…
Is the Melbourne Cup losing its appeal? Here’s what the numbers reveal
The Melbourne Cup, a 3,200–metre race for horses more than three years old, has long been called “the race that s…

Traditions of Rural Bali at Villa Sabana
A Privileged Insight into the Traditions of Rural Bali at Villa Sabana Situated in the traditional village of Pererenan near Canggu, Villa Sabana is peacefully secluded in a semi-rural setting where…

Understanding the Importance of Property Valuation Services in Darwin
Introduction Darwin’s property market is known for its unique blend of residential, commercial, and rural investments. With constant changes in market demand, infrastructure development, and lifestyle shifts, understanding the real value…

Urbanisation and tax have driven the housing crisis. It’s hard to see a way back but COVID provides an important…
This article is the first in The Conversation’s series examining the housing crisis. Read the other articles in the series here.The paradox of Australian housing is the abundance of land…
How can I improve my fleet management company?
Striving for perfection within your fleet management company can be very hard and there is a lot of stiff competition. There are many big names out there. It’s almost impossible…
Squerb offers much more useful opinion feedback
WHEN YOU NEED MORE THAN A LIKE Online feedback is broken. We all have heartfelt feedback to give about many subjects, and the social nature of media today means…

Driving smarter: how car subscription models are redefining mobility and financial flexibility

The world of mobility is changing fast, and car ownership is no longer the default. Across Australia, professionals and businesses alike are seeki...

The Future of Wealth Technology

“You shouldn’t need a large account balance to experience real-time investing. Technology should make that kind of access universal.” For decades...

Thryv wins national accolade at 2025 Australian Service Excellence Awards

Thryv® (NASDAQ: THRY), Australia’s provider of the leading small business marketing and sales software platform, announced that Greg Nicolle, G...

pay.com.au unveils first-of-its-kind FX rewards feature, becoming the most flexible rewards solution for Aussie businesses

pay.com.au, the end-to-end payments and rewards platform, today announced the launch of International Payments, Australia’s first foreign exchange...

Yellow Canary partners with Celery to bring pre-payroll assurance technology to Australia

Wage underpayment headlines continue to put pressure on employers of all sizes, revealing how costly payroll mistakes can be for small and medium bu...

Brennan Bolsters Leadership to Accelerate Next Growth Chapter

In a move to further embed cybersecurity at the heart of its business strategy and deliver sovereign secure-by-design solutions for its customers, A...