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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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性能、续航、能耗、价格与售后服务：为什么中国电动车正在给特斯拉带来越来越大的竞争压力？
Performance, range, efficiency, price and after-sales support: why Chinese EVs are increasingly challenging Tesla.
Prestazioni, autonomia, consumi, prezzo e assistenza: perché le nuove auto cinesi stanno mettendo Tesla sotto pressione.
La ventaja china ya no es solamente el bajo coste: es la combinación de escala, tecnología, infraestructura, cadenas de suministro y política industrial.
China’s competitive advantage is no longer simply low cost: it is the combination of scale, technology, infrastructure, supply chains and industrial policy.
Il vantaggio cinese non nasce soltanto dai costi bassi, ma da un ecosistema industriale integrato fatto di scala, tecnologia, infrastrutture, supply chain e politica industriale.
От традиционной проверки клиентов к интеллектуальному, непрерывному и основанному на рисках финансовому контролю.
From traditional customer checks to intelligent, continuous and risk-based financial compliance.
Por Roberto Balbino — CEO, Fintech SBB
Inflazione e conti pubblici sono migliorati, ma la crescita resta debole. E le grandi riforme politiche promesse nel 2022 sono rimaste incomplete, ridimensionate o respinte
La estabilización macroeconómica de Javier Milei contrasta con una creciente presión sobre los salarios, las jubilaciones, el consumo y el endeudamiento de las familias argentinas.
Revolut, Wise, bunq, N26, Monzo, Trade Republic e la nuova architettura della finanza esclusivamente online
Revolut, Wise, bunq, N26, Monzo, Trade Republic and the New Architecture of Online-Only Finance
Argentina, realineamiento político, reformas económicas y la nueva competencia por el capital
Argentina, Political Realignment, Economic Reform and the New Competition for Capital
War, Sanctions, Tariffs and the Changing Economic Balance Between the United States and Europe
From Corporate Finance and Management to Private Banking, Wealth Management and Fintech
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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