Analyse des services financiers mondiaux MONDIAL

Generative AI adoption continues to grow, driving more frequent and consistent use across organizations. Ninety-three per cent of organizations now report enterprise-level adoption – up from 61 per cent last year – yet only 2 per cent say they are realizing a measurable return on their AI investments. Among employees, adoption also continues to rise, though at a slower pace: more than half of Canadian employees (51 per cent) are now using generative AI at work, up from 46 per cent in 2024 and 22 percent in 2023. Nearly three-quarters (73 per cent) of users engage with AI tools daily or weekly, and most users (79 per cent) say AI has improved their productivity.

In light of a recent RBC report documenting Canada's flight of capital I created an infographic. The infographic is a map Canada's Finance Minister Scorecard against U.S. policy parallels — how FIRE dependency, fiscal erosion, and the hollowing of productive economies are degrading both currencies, at different speeds.

A weighted evaluation of seven Ministers of Finance from 2002 to present — tracking fiscal discipline, economic diversification, the growing FIRE dependency, and whether anyone is building a productive economy.

Visa and Mastercard control approximately 87% of US credit card purchase volume, processing $10.7 trillion in combined US transactions annually. This dominance has persisted for decades, but a convergence of regulatory action, vertical integration by competitors, alternative payment rails, and technology gatekeepers is creating the most significant structural pressure the duopoly has faced.

U.S. banking, payments, AI & financial services events 2026 with links to each event web site.

A summary of bank events, payment events, AI, data and analytics in Canada.

This report examines key financial metrics for Canada's six largest banks — BMO, BNS, CIBC, National Bank, RBC, and TD — using regulatory data filed with the Office of the Superintendent of Financial Institutions (OSFI) for the period ending 2021-12-31 through 2025-12-31. The analysis focuses on how the Bank of Canada's rapid rate-hiking cycle affected funding costs, asset yields, margins, profitability, and capital adequacy across these institutions.

Canadian banks, apart from the Big 5, have generally avoided foreign diversification. All of the Big 5 have a significant foreign presence, however, RBC’s massive diversifactation ($1.86T foreign assets, 37% revenue) eclipses its rivals. Whereas, National Bank has also proven highly competitive, despite its domestic focus.

Methodology

This document looks at 4 categories of Canadian banks via charts. The charts are derived from OSFI data which provides details with respect to foreign operations held by Canada’s domestic banks. I have categorized them as Small/Medium, Mid-Tier, Large and Big 5.

Aggregated news and research related to SVB. Apart from SVB, included in this report is related news with respect to other banks and non-traditional companies looking to add financial services that also appear risky.

This report provides a snapshot into recent bank earnings and related news as published in fsim.ca reports.

This report is a scorecard I designed in order to rank the performance of the current Minister of Finance, Bill Morneau. I do regular rankings because, otherwise, I cannot measure the performance in a meaningful way. The scoring is based on a variety of metrics as detailed on the ‘score-table’ on page 3. Examples of the criteria and weighting include:

 

Flood aftermath is linked to post traumatic stress. Here are some findings from a study conducted by Queensland University following a flood:

"The findings showed that aftermath stress contributed to poor mental health outcomes over and above the flood itself, prior mental health issues and demographic factors," Ms Dixon said.

 

"Aftermath stress was the strongest predictor of post-traumatic stress symptoms with 75 per cent of people saying the most difficult aspect was the aftermath and dealing with insurance companies," she said.

With this in mind, I felt it was important to understand how New Brunswick flood victims were treated.

Argentina is in the news daily because the situation is dire, and may be an indication of further contagion. The most dramatic story that speaks of the a leading cause of its troubles was the recent arrest of the public works secretary, Jose Lopez. June 15th he was caught hiding millions in cash in a monastery. No this is not a plot for a comedy.

This report covers flood news in Canada from 2017 to present and highlights the relevent issues for home-owners and the insurance industry.

As states across the US legalize marijuana for both medicinal and recreational purposes, it has fueled a growing industry of marijuana related businesses (MRBs).

The industry overview is divided into 5 parts:

Introduction
Small banks
Small medium sized banks
Medium sized banks
Medium large banks

With Walmart Pay about to userp Apple Pay, I thought I would share my 2014 book on mobile payments and loyalty. The guilde was written for Merchants that want to understand loyalty, credit, mobile payments and Apple Pay, but anyone involved with credit and loyalty might find it useful.
The book is a prelude to Walmart leaving MCX, and chronicles the evolution that led to Walmart Pay. There is an extensive case study of Walmart that looks into its efforts to become an ILC and to avoid paying credit card transaction fees ('merchant discount').
It offers readers a step-by-step methodology for evaluating and transforming credit and loyalty programs. The strategies are based on proven examples and industry facts. The Nectar, Target, Canadian Tire and Walmart case studies are examples of the practical approach I have taken, written with the intent that merchants can use them as blueprints for their own initiatives. 

Jamie Dimon calls bitcoin a fraud used by criminals, yet he has jumped into the blockchain with both feet.

TD’s share price recently collapsed by $7 bn in one day due to CBC’s allegations of aggressive selling tactics. A huge fall from a bank that was trading at a premium as recently as January. This was even before the most recent allegation of TD attempting to avoid paying taxes on advertising.
This report chronicles the events leading up to the collapse, shows TD's performance, analyses other related issues.

This is a book review of the book Back from the Brink by Paul Halpern, Caroline Cakebread, Christopher C. Nicholls and Poonam Puri.

Footnote 151 implies an important regulatory change related to derivative contracts. It means that US Banks will not be required to hold as much capital against commodities. If you want to understand the implications of this regulatory change in more detail, see the enclosed related article detailing the changes. For contextual purposes, I have also included two Rolling Stones Magazines reports from 2010 and 2014 that chronicle the role large US banks have played in manipulating commodities. You might question the credibility of these sources, but rest assured, these reports are based on United States Senate hearings which outline the issues in a 396 page report related to the implied risks. 

Consumer debt spending appears to have insulated Canada from the worst of the credit crisis, but now the alarming magnitude of consumer debt ($1.92-trillion) could exacerbate a day of reckoning.
This report assesses the issues at hand and recommends the solution to get Canada's economy on track.

Gamification of business processes resulted on Mint.com growing to 10 million users within 4 years. This report explains how.

According to Bloomberg, National Bank of Canada will take a C$64 million ($48 million) restructuring charge in the fourth quarter and said its investment in Maple Financial Group Inc., which is being probed by German regulators, may be at risk of a “substantial loss.”

In light of today’s possible rate cut, this report discusses how a bank rate cut and capital ratio pressure could precipitate negative corporate deposit interest rates in Canada.

Review of the Canadian Tire Financial Services deal with Scotiabank, risks, opportunity and benefits.

This report looks at Joe Oliver, minister of finance’s progress to date, and assigns a grade to his government’s performance to date.

Branches are evolving to meet the digital age. This documents tracks the evolution with real-world examples.

BankNews.TV Publishing Corp services overview document:

• Analytics
• Financial services industry monitor (FSIM) industry briefings and developments reports
• Research

This report looks at Canadian challenger banks (apart from merchant led banks) and explains why they have not threatened larger institutions. It also looks at ways in which these upstarts have achieved success.

This document contains details on how BankNews.TV is helping kids learn programming via gamification of financial data.

Canadian banks have made money throughout the credit crisis, but this trend may be about to reverse. The rational supporting this prediction is that revenue has grown despite a declining net interest margin (NIM). It has grown in spite of this fact because Canadian debt (loan lease volume) has risen significantly, as shown in chart 2.

Yesterday, the Attorney General of Switzerland (OAG) opened criminal proceedings related to the FIFA scandal. This report outlines some of the events related to the criminal investigation, with a particular focus on banking.

March 18, Finance Minister Jim Flaherty resigned from cabinet after having endured a difficult year due to health issues. This report looks at his legacy and attempts to grade his government’s performance to date.

Merchant led financial services are growing in importance once again. This is exemplified in the ongoing UK rivalry between ASDA, Sainsbury and Tesco. Together these merchant/financial service companies provide the backstop for three different approaches for merchants looking to extend their financial services.

Genworth had its Q4 2014 earnings call. Genworth own about 30% of the mortgage default insurance in Canada. Not surprisingly, the earnings call became focussed on Alberta; and for good reason, with 20% of its outstanding insured mortgage balance in Alberta, sensitivity to the oil shock and how Genworth plan to manage related risks were discussed in detail.

Based on historical financial data (see detailed charts pages 5-8), the oil based recession in Alberta, and comparison against two of its peers, this document outlines my observation with respect to CWB’s future performances.

This report examines liquidity issues in the Canadian financial service industry.

Recently the CBC and The Globe and Mail both reported on what has been referred to as a consumer “bank fee outcry”. CBC compares banks to cable and phone companies, standing accused of trying to gouge customers with service fees. The backlash appears to have originated in conjunction with the NDP and the Consumers Council of Canada which argues that there is anxiety ‘among consumers about banking fees’.

Read sample report: Guide to system selection. This sample would normally cost $99 but is available free as a sample. Click here view sample report.