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Articles by Shane White
China takes the wheel in Aus auto market
China’s newfound dominance of the Australian automotive industry is for real, according to a panel of ANZ experts — but in an industry historically defined by cycles, it is by no means permanent. In April, data from the Federal Chamber of Automotive Industries showed China surpassed Japan in February as Australia’s largest source of new vehicles on the back of, among other things, growing consumer interest in electric vehicles (EV). Japan had held that spot since 1998.
Where Does an FHA Appraisal End and a Home Inspection Begin? HUD Has an Opportunity to Clarify.
The agency’s Request for Information on Minimum Property Requirements raises a question the industry has been slow to ask: not about which repairs to require, but about who the FHA appraiser is supposed to be. On May 29, 2026, the Department of Housing and Urban Development published a Request for Information in the Federal Register asking stakeholders to weigh in on FHA’s Minimum Property Requirements, the standards that govern whether a single-family home qualifies for FHA-insured financing.
Corrosion in the Chemical Industry: From Inspection to Continuous Insight
Corrosion inside process equipment is not a gradual nuisance. In many chemical applications, it can accelerate quickly under changing process conditions and create risks that traditional inspection cycles struggle to detect.
A Moment in the Sun: Black Manhattan Before the Civil War
. Aug. 2026. 464p. ISBN 9781324095088. $35. HISTORY COPY ISBN Historian White ( Prince of Darkness: The Untold Story of Jeremiah G. Hamilton, Wall Street’s First Black Millionaire) offers a deeply researched and lively account of Black life in antebellum New York. Blending gritty archival details with vivid human stories and firsthand accounts, White drops readers into the bustle of pre–Civil War Manhattan’s streets and shadowy cellars.
Sibos 25: real time gets real
The real-time economy is heating up, according to ANZ’s Managing Director of Transaction Banking, Lisa Vasic. And rapidly growing consumer demand is forcing businesses to make the shift. Speaking on podcast ahead of the 2025 Sibos financial series conference, Vasic said while many companies were taking time to embed real-time payments in their everyday business, consumers have begun to expect it when they make payments.
Sibos 25: a quantum leap for DAs
Increasing global regulatory acceptance of digital assets is a “quantum leap” for the technology and how it will change the payments space, according to David Buckthought, Head of Tech — Payment Services and Digital Assets at ANZ. The United States GENIUS Act, passed in July, installed a broad regulatory framework around stablecoins in the US, in a bid to foster and protect the $US238 billion global market. The rules make clear where tokens and stablecoins sit in the broader financial sphere.
Sibos 25: payments, security & flat whites
There’ll be a long line outside the ANZ booth at this year’s Sibos Financial Services Summit in Frankfurt, Germany, says Mark Harding, ANZ’s Head of Financial Institutions Group International. Largely for the opportunity to gain market-leading insights in the payments space from ANZ’s expert delegation at the event. But also for the coffee. “The last couple of years we’ve had a barista there, serving Australian-style long blacks or flat whites” Harding says.
Sibos 25: clearing real-time hurdles
Longstanding cross-border conventions can be obstacles for effective payments in a real-time world, according to ANZ’s Carl Garrett — but banks, and payers, have equal roles to play in the solution. Speaking on podcast to On Air with ANZ Institutional, ANZ’s Head of Global Cross-border Payments said some established methods used to create and send payments work “very differently in a real-time world” – including explicitly specifying future settlement dates.
Sibos 25: who is buying paint?
The way financial services groups view their data — and what kind of insights businesses are looking for from their banks — is changing. According to ANZ’s Hari Janakiraman, conversations between banks and their institutional customers about data are no longer with treasurers alone, but a broader range of stakeholders eager to better serve their customers.
AFTF 2023: the innovation arms race won’t stop at tech
The innovation arms race won’t be limited to emerging technologies and the semiconductors critical for their performance, according to The Asia Group president Rexon Y. Ryu. As competition between nations like the United States and China evolves, other sectors could find themselves subject to the same ‘carrot-and-stick’ polices seen in the emerging tech sector, he said.
The next frontier for digital assets
The pilot project showed how the sector, including regulators, was taking a collaborative approach to CBDCs - and the results so far were encouraging, according to Robert Porter, Director of Digital Asset Services at ANZ Institutional "A key takeaway from the pilot was that CBDCs would help complement, rather than replace, private-sector innovation in the payment space.” - Robert Porter, Director of Digital Asset Services at ANZ Institutional “I think it's the start of something bigger,” he...
Sibos 23: the next step for digital assets is together
Tokenised assets are already changing the way banking works and the technology has the potential to do more - if the right pieces can come together. Banks are increasingly exploring use cases involving tokenised assets, with93 per cent of institutional investors believing in their long-term value, according to a recent EY report.
Funding a sustainable world
Maintaining that momentum, she said, means not making the perfect the enemy of the good. "Progress, not perfection, is I think going to be really important at the whole of Australian level.” - Kaylene Gulich, Chief Executive Officer, Western Australian Treasury Corporation Speaking on the latest On Air podcast, Gulich said it is critical all bodies, public and private, focus on “how we continue to show progress… to give confidence that we're building that momentum”.
An energy efficient path to reducing emissions
Taylor said an important finding from the report is not just what energy efficiency can do – but what would happen if nothing is done. “The business-as-usual modelling has energy efficiency only playing 2.1 per cent of our emissions reductions job out to 2050,” she said. “It’s critical to think about how we can massively ramp up something that, in most situations, is the most cost-effective thing you can do - and just get it out to businesses and households now, immediately.
The orange bond: investing in women
Shahnaz said the building blocks for the orange bond came together after the success of the fourth WLB in 2021, when there was very little action on bond markets. “We closed it in a time [when] financial markets were going through a bit of rough water,” she said. “There were literally no bond issuances for almost a year. I remember pretty much everyone told us, ‘you won't be able to close this’.
Deputies arrest 2 people accused of killing coworker at GA hotel pool
CAMDEN COUNTY, Ga. — Two people were arrested after being accused of killing their coworker at a hotel pool. Camden County Sheriff officials said on March 1, law enforcement officials began investigating the drowning of 60-year-old Andre Cournoyer at the SureStay Hotel in St. Marys.
Deputies arrest 2 people accused of killing coworker at Ga. hotel pool
CAMDEN COUNTY, Ga. — Two people were arrested after being accused of killing their coworker at a hotel pool. Camden County Sheriff officials said on March 1, law enforcement officials began investigating the drowning of 60-year-old Andre Cournoyer at the SureStay Hotel in St. Marys.
Man accused of killing Pontypool van driver will not testify
A MAN accused of killing a van driver after hitting him as he was changing his tyre at the roadside will not give evidence at his own trial. Man accused of killing Pontypool van driver will not testify p Shane White (Image: Wales News Service) A MAN accused of killing a van driver after hitting him as he was changing his tyre at the roadside will not give evidence at his own trial.p Commments are closed on this article Get involved p the news Send your news & photos Loading.
Queensland’s perfect storm of growth
To discuss this opportunity and more, ANZ Institutional Insights sat down with Darren Bradfield, ANZ’s Head of Corporate Finance in Queensland, and Michael Rose, ANZ’s Head of Sales, Institutional. “With this growth comes complications which are creating a lot of challenges for policymakers, at both federal and state level. Particularly in regional Queensland.” The following is an edited version of that discussion.
Making a difference in banking with APIs
What customers want Mahoney said ANZ had helped roll out APIs in areas such as client money management and insurance claim payments, both of which had been a success. “We've also seen travel insurers use APIs to consume flight-delay and cancellation data and then provide their policyholders back with proactive payments for events covered - in near-real time. That's a differentiator,” he said.
De-fi the metaverse
Kallman expects investment to continue to flow into traditional methods of digital payments, even as the same businesses innovate with tokenisation. “I do think a balanced approach that continues to develop and invest in existing payment systems alongside stablecoin is appropriate,” she says. “At least until stablecoins become widely adopted.” Risk vs opportunity Regulation is critical here, according to Kallman, to balance the risk with the opportunity.
A path forward on open banking
“It doesn't have to be an open-banking construct for [banks like ANZ] to be able to share data. We've been doing that from time immemorial,” she says. “It's really around making sure we compartmentalise data to solve specific [customer] opportunities and problems.
Sibos 2022: an open path forward
At its heart, open banking is a data opportunity, according to Lisa Vasic, ANZ’s Managing Director of Transaction Banking. And data are what banks do best – when used to solve problems for their customers, both retail and institutional.
To succeed as a leader, embrace diversity
Status quo Yetsenga said a key part of the challenge was getting people who fit Australia’s cultural status quo “along for the ride” on diversity. “I can accept certainly I've benefited [from being] who I am and what I look like,” Yetsenga said. “It doesn't mean I haven't had to work for what I have but it does mean I haven't had to think about who I am.
Ferguson: murky economics to be ongoing
Until it’s over While many are declaring the COVID-19 pandemic a thing of the past, Ferguson is more downbeat on the world’s ability to move on. “People really want the pandemic to be over,” he said. “They really want to say we're in the post-pandemic phase. But in truth it's no more likely to be over than influenza was over.” Ferguson said humanity only gradually got a handle on the flu “over a period of about 100 years”. “[Expect] a very similar pattern with COVID,” he said.
Seeding a stronger future in bonds
Greenberg said the volatility seen in the last quarter of 2021 had accelerated through the start of this year, primarily driven by rising interest rates. “We've had inflation increasing quite dramatically,” she said. “We've had the impact of supply chain issues - there's a lot of factors outside of our control that have increased volatility.
Financing a greener economy
Dann was bullish on the prospects of the market over the next 12 months while noting some players had parked plans to pursue sustainable finance until later in 2022. “It's fair to say that the outlook is still pretty strong for sustainable finance globally,” she said. “But we maybe won't see the same extent of growth that we saw last year.
ANZ recognised in Kanganews awards
Among more than a dozen awards, ANZ was named both ‘Australian Sustainability Debt House of the Year’, and ‘Global Coverage House of the Year – Sustainability’ in Australia. The KangaNews awards are voted on by investors and other market participants. ANZ secured six house awards in Australia, and was part of another six deals which were recognised in the awards – five of which contained a sustainability element.
Gillard: turbocharging a more equal future
Speaking at the 2021 ANZ Finance & Treasury Forum, Gillard – the 27th Prime Minister of Australia and inaugural chair of the Global Institute of Women's Leadership – said pandemic-era technology would continue to reshape workplaces, inevitably impacting how merit is assessed and therefore how careers develop.
Sibos 2021: platforming a better customer experience
Financial services is moving very quickly and according to Mike Lim, Global Head of Financial Institutions, TB, at ANZ Institutional, the Sibos financial services conference offers a unique opportunity for banks to keep up – with competitors, peers and customer expectations.
Putting pressure on monetary policy
Yetsenga said while “breaking down” was a strong term, he agreed the previous policy regime was under stress and acknowledged it had been for “quite a period of time”. “It certainly does seem - and maybe it's been my interest - but it does seem MMT is discussed in more breadth these days,” he said. “It's a little bit more mainstream, a bit less fringe. “ Yetsenga said the challenge MMT posed to mainstream thinking was twofold – one subtle, and one fundamental.
Data: the secure path to success
Emma Gray says ANZ’s overriding data principle is pretty simple. “We ask, ‘is this in the customer’s best interests?’” she says. “And If it’s not, we don’t do it.” For businesses trying to make the most of their data in an increasingly digital world, installing such an approach is a good place to start.
Cougar ( Puma concolor ) predation on Northern Mountain Caribou ( Rangifer tarandus caribou ) in central British Columbia
Open Access Subscription Access Cougar (Puma concolor) predation on Northern Mountain Caribou (Rangifer tarandus caribou) in central British Columbia Shane C. White, Carolyn R. Shores, Leo DeGroot Abstract Caribou (Rangifer tarandus) populations are sympatric with Cougars (Puma concolor) in only a few areas, primarily in western Canada.
Wozniak: disrupting the C-suite
About five years after first proposing the idea, Wozniak says the need for new and ground-breaking ideas in modern businesses is so important it deserves its own place of leadership within the C-suite.
Sibos 2020: destination Lygon, outlook global
Speaking on podcast ahead of the Sibos 2020 financial services conference, along with Hari Janakiraman, creator of the Lygon concept and Head of Trade Product, Institutional at ANZ, Dobson said Lygon’s clear mandate was behind its ongoing success.
Sibos 2020: shining a light on APIs
AD Institutional Communications & Institutional Content Manager, ANZ Rapidly increasing demand for application programming interfaces (APIs) is changing the way financial services groups interact with their customers, helping drive a change in service mentality which provides banks with a unique forward perspective on client problems, described by ANZ’s Nigel Dobson as “a better set of headlights rather than a better rear-vision mirror”.
Where data really matters
“We have a saying in the team,” Richard Schroder says. “Data science is a contact sport. So when we turn up, we turn up in person.” Schroder is Head of Analytics & Platform at ANZ Institutional. His team – a crack group of data scientists, analysts and designers – are tasked not just with collating deidentified data, but also how, where and when to use it in the most-effective way to benefit the customer. As Schroder points out, when it comes down to it, all the banks have the same data, really.
Sibos 2020: investing in customers
“As long as whatever you're doing actually flows through to a benefit for the customer, or solves a genuine problem for the customer or solves a problem for the industry, then your investment makes sense,” Lim said.
Don’t lose sight of the long term
As the economy and supply chains recover from the unprecedented impact of the COVID-19 pandemic, the companies focussed on the long term will be the ones which emerge stronger, Tammy Medard, incoming Managing Director, Institutional Australia at ANZ says.
PODCAST: crisis shifts consumer preference for good
Mark Whelan: With the digital transition comes a lot of data. I know you've just recently made some important appointments to your Executive Committee around data. What does that signal for the future of ANZ? Shayne Elliott: There's been a lot written about how data is the new oil and to some extent we agree with that. At ANZ we’ve been in business for 200 years essentially collecting, protecting and moving people's money for them.
‘We’re already in MMT’
Shane White Content Manager, Institutional, ANZ 11 June 2020 There’s a misconception Modern Monetary Theory - or MMT - is something various central banks and policymakers may consider or move towards as a result of the economic fallout from the COVID-19 crisis, according to Dr Steven Hail, Lecturer, School of Economics at The University of Adelaide. In truth, Dr Hall argues, for many countries MMT is already here.
Post-COVID China: recovery and the demand gap
Yetsenga said a key driver of the recovery around the world, and the pace at which this would occur, would be production. “Of course, everybody is trying to bring production back online but demand is still quite weak,” he said. “So this gap in China is actually being replicated elsewhere. I think it is one of the factors that will slow the recovery out of this crisis.” Yeung said China is aware of the production issue and more focussed on the longer term.
SIBOS19: machine learning - homines in machina
Sibos 2019 The Sibos financial services conference is here again. Kicking off on September 23, one of the world's premiere international finance conferences will attract the most-innovative minds in the sector, setting the agenda for 2020 and offering insight into the trends and development which will shape the future of the industry.
SIBOS19: finserv leaders should be payments experts
Indeed, real-time payments technology like the NPP is the undisputed future of trade both domestically and across borders. "I'd love to be able to connect cross-border transactions into the NPP network.” - Perkins That’s why the players in the financial services sector, like ANZ, are committed to recognising and promoting the value of the NPP in the future, ANZ Director, Head of Clearing Services Product, Luke Perkins says.
SIBOS19: fintech takes one for the team
Content Manager - Institutional, ANZ Once feared as barbarians at the gate, the banking industry thank fintechs for refocussing attention, according to ANZ’s Nigel Dobson – particularly on what matters most: customers. Click image to zoom Tap image to zoom Pinch to zoom Speaking to ANZ Institutional on podcast, Dobson, Banking Services Lead at ANZ, said the customer-focussed nature of the innovation coming out of fintech forced banks to compete on that level - to the benefit of all parties.
Playing the Numbers: Gambling in Harlem between the Wars|Hardcover
Playing the Numbers: Gambling in Harlem between the Wars available in Hardcover ISBN-10: 0674051076 ISBN-13: 9780674051072 Pub. Date: 05/15/2010 Publisher: Harvard Overview The phrase “Harlem in the 1920s” evokes images of the Harlem Renaissance, or of Marcus Garvey and soapbox orators haranguing crowds about politics and race.
Q&A: the Asian century never ended
FF: There is good growth in the companies we bank at ANZ, but there is also very much a regional story, an Asian Century story – even with the disruption of events like trade wars. If you look around the world this is still the growth region, with global value chains of the biggest companies in the world spanning the continent.
Precision & a little help on the way to startup success
The Adelaide-founded location-services group didn’t realise what it had at the time - but through work with a SME growth accelerator program has now expanded into a multi-national (with a presence in both Melbourne and San Francisco) success story, including securing $US5.5 million in Series A funding earlier in 2018.
The ten biggest Twitter themes of #Budget18
Amid less fanfare than previous years, with no shock announcements, the federal government unveiled a package headlined by the news Australia will record a deficit of $A18.2 billion this year, before returning to surplus earlier-than-expected in 2019-20. Social media, at least, was keen on it all - in particular Twitter, which seized on news of the tax cuts, infrastructure spending and changes to superannuation rules, to name a few.
BUDGET 2018, in tweets
The Australia government has released its budget for the 2018-19 financial year to – as usual - acclaim, discord and everything in between. The budget reports Australia will record a deficit of $A18.2 billion this year, before returning to surplus earlier-than-expected in 2019-20. Below are what some of Australia’s most-respected experts are saying about #Budget2018 on Twitter.
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