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Digital spending psychology

Digital spending psychology

What is the Cashless Effect? Imagine the feel of crisp bills in your hand. When you count out cash, every dollar leaves a mark. You notice the money leaving, and with it, a small ache. This is the “pain of paying.” It’s real, and it helps you pause before you...
UK Financial Regulation Tensions

UK Financial Regulation Tensions

A storm is brewing at the heart of Britain’s financial world. Rachel Reeves, the new Chancellor, wants to spark growth and sweep away red tape. Andrew Bailey, the Bank of England’s Governor, stands firm as the gatekeeper, wary of anything that might shake stability....
Singapore billion dollar ponzi scheme recovery

Singapore billion dollar ponzi scheme recovery

A new dawn has broken in Singapore’s legal world. On July 29, 2025, the High Court made a bold call in the Ng Yu Zhi case — a call that changes the game for those who run companies. For too long, some directors have hidden behind excuses. No more. The court drew a...
Spotify’s stock drops on Q2 earnings miss

Spotify’s stock drops on Q2 earnings miss

Spotify’s Q2 2025 earnings reveal a troubling disconnect between robust user growth and weaker financial performance, leading to a sharp 7% drop in its share price during premarket trading on July 29, 2025. The company reported earnings per share of €0.42 ($0.49),...