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Fintech SCB — Editorial
Independent analysis on finance, economics, geopolitics and the forces shaping our world.
Independent perspectives on global finance, markets, economics, geopolitics and international business — written by Roberto Balbino, Founder & CEO of Fintech SCB.
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For most Europeans, Diego Armando Maradona needs no introduction.
Gianni Infantino should leave the presidency of FIFA.
Why a small North Atlantic nation is once again debating whether its future lies inside the European Union
Schengen and the euro were extraordinary achievements. But Europe stopped halfway.
Why England Can Spend Money That Italy, Spain, Germany and France Simply Cannot
A comparative analysis of the United States, Argentina, Germany, Italy and France
Ten years later, the promised Brexit dividend has vanished — leaving Britain with weaker trade, lower productivity and a political reckoning over a decision that failed to deliver the prosperity it pr
Deutschland, USA und Italien: Bildung, funktionale Kompetenzen, wirtschaftliche Unsicherheit und die politische Nachfrage nach einfachen Antworten
Germania, Stati Uniti e Italia: istruzione, competenze funzionali, insicurezza economica e domanda politica di risposte semplici
Germany, the United States and Italy: education, functional skills, economic insecurity and the political demand for simple answers
Washington can win the battle for the Strait — and still lose the geopolitical war
Fiscal dominance is no longer a theoretical risk. It is becoming the central question for U.S. monetary policy.
Shops, supermarkets, real estate, underground banking, Africa and the Belt and Road
The technology is advancing at extraordinary speed. The terminology surrounding it is becoming increasingly meaningless.
Morocco, Algeria and Tunisia at the crossroads of Europe, Africa and the Mediterranean
How Europe welcomed the money, educated the heirs and discovered the problem only after Ukraine was invaded
The global weapons industry behind Israel, Ukraine and Russia
Tariffs, tax cuts, debt, inflation and the promise of a “Golden Age” — what do the numbers actually say?
A disaster that reveals the history, economy, genetics and geopolitics of a region most of the world barely understands
USA, Europe and Argentina are fighting the same monetary battle — but from opposite sides
The country that once seemed unstoppable
The Debt Is Not the Problem. The System Is.
I meccanismi, le strategie e le zone grigie di un fenomeno che altera la concorrenza
How much Russian wealth has really been frozen? Where did it go, who still controls it, and why sanctions can be so powerful on paper yet so difficult to enforce in reality — available in English, Italian, Spanish and Russian.
FINTECH SCB Insights / Wealth Management
Italiano
Come investire 10 mila, 100 mila, 1 milione e 10 milioni di dollari
Tre regole prima delle percentuali. Quattro aree geografiche. Sedici portafogli. Una visione integrata di investimenti, casa e successione.
Roberto Balbino / FINTECH SCB
Ricerca indipendente per la rete FINTECH SCB
25 ottobre 2026 · Edizione estesa 1.0 · 63 pagine · PDF
Lettura e download gratuiti
English
How to invest $10,000, $100,000, $1 million and $10 million
Three rules before percentages. Four geographic areas. Sixteen portfolios. An integrated view of investment, homes and succession.
Roberto Balbino / FINTECH SCB
Independent research for the FINTECH SCB network
25 October 2026 · Extended edition 1.0 · 63 pages · PDF
Free to read and download
Español
Cómo invertir 10 mil, 100 mil, 1 millón y 10 millones de dólares
Tres reglas antes de los porcentajes. Cuatro áreas geográficas. Dieciséis carteras. Una visión integrada de inversión, vivienda y sucesión.
Roberto Balbino / FINTECH SCB
Investigación independiente para la red FINTECH SCB
25 de octubre de 2026 · Edición ampliada 1.0 · 63 páginas · PDF
Lectura y descarga gratuitas
FINTECH SCB Insight · November 2026 · by Roberto Balbino
What I Invest In Now
On November 3, 2026, American voters gave Democrats the House and the Senate. Markets sold the result overnight and bought it back by breakfast; the bond market moved first.
After Mid Trump turns that night into decisions: the policies that can still become law under divided government, why the middle of the Treasury curve beats the long end, and a model portfolio built position by position, with the signals that would prove the author wrong.
88 pages · 17 charts · 228 source notes · research cutoff November 4, 2026
General information and education, not individual investment, tax or legal advice. The model portfolio is illustrative. Capital is at risk.
FINTECH SCB Insight · October 2026 · by Roberto Balbino
How the AI Boom Became a Credit Cycle—and Who Will Hold the Loss
The debate over artificial intelligence is still argued as a stock-market question. The money has already moved somewhere else.
In 2026 the largest spenders on AI stopped paying for the build-out out of their own cash. In the first half of the year, capital expenditure at Microsoft, Alphabet, Amazon, Meta and Oracle absorbed 96 percent of the cash their businesses generated. At Alphabet, Amazon and Oracle it now exceeds it. Their reported debt has more than doubled in less than two years, to about $496 billion. Another $1.2 trillion of leases, signed mostly for data centers not yet delivered, sits outside their balance sheets.
Off the Books follows the contracts. It looks at joint-venture bonds backed by residual value guarantees, vehicles that own the chips, loans secured on hardware that ages faster than the debt, and guarantees written by the chipmakers themselves. It identifies who holds the claims: life insurers and the annuities behind them, semi-liquid private credit funds, and the banks that lend to the lenders. These are the institutions least able to leave when the numbers turn.
The Insight tests its own argument against the strongest objections and sets out three paths to 2028. It also states in advance the evidence that would prove it wrong. It closes with practical guidance and a dashboard of indicators for savers, entrepreneurs, credit investors and policymakers.
Shareholders can sell in a second. The people financing the AI build-out cannot.
78 pages · 23 figures and tables · fully sourced · data to October 29, 2026
Fintech SCB Insights / Educational Master
How to Read Markets, Build Portfolios and Evaluate Hedge Fund Processes
A 64-page guide by Roberto Balbino, Founder & CEO of Fintech SCB, exploring market indicators, hedge fund strategies, portfolio construction, liquidity, leverage and performance evaluation. Includes analytical charts, practical worksheets, a glossary and institutional references. An independent framework for understanding investment decisions and questioning performance claims.
October 2026 edition · English · PDF · Free download
The archive contains 191 publications (21 August–4 November 2026) covering finance, economics, banking, markets, geopolitics, technology, society, business and sport.
Markets, banking, investment and financial trends.
Independent analysis of economic policies, growth, inflation, debt and structural change.
How political decisions reshape markets, capital flows and the global economy.
Cross-border finance, international business, emerging markets and global opportunities.
Roberto Balbino is an International Finance & Banking Executive and Founder & CEO of Fintech SCB, with more than 40 years of experience in finance, banking, private banking, wealth management, corporate finance, M&A and international business.
His analysis combines decades of financial experience with an independent and often unconventional view of the forces shaping global markets and economies.
Because financial markets are not shaped by numbers alone.
They are shaped by politics, power, monetary policy, technology, capital flows and human decisions.
Insights connects these forces and challenges conventional narratives.
No institutional investment agenda.
Finance and economics viewed beyond national borders.
Analysis designed to question consensus rather than simply repeat it.
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