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Fintech SCB — Editorial
Analisis independen tentang keuangan, ekonomi, geopolitik, dan kekuatan yang membentuk dunia kita.
Perspektif independen tentang keuangan global, pasar, ekonomi, geopolitik, dan bisnis internasional — ditulis oleh Roberto Balbino, Founder & CEO Fintech SCB.
MENGIKUTI ITU GRATIS — SELALU.
Ikuti Roberto Balbino di Substack dan terima analisis baru langsung di kotak masuk Anda.
20 millones de argentinos endeudados. Más de 5 millones en mora. Y el Gobierno dice: “Es un problema entre privados”.
The conventional argument about China’s tax system is almost too comfortable.
Where Should Investors Look Now — and How Should They Diversify?
Who Really Controls Offshore Finance — and Who Pays the Price?
Spain, France, Italy, Germany and the United Kingdom compared on debt, inflation, purchasing power, tax evasion and the real cost of work
The Contrarian View
From Persia to the Islamic Republic: the history, wars and economy Americans often see only through the headlines
Un’operazione che va molto oltre una semplice acquisizione
Cristina, Milei y los próximos cinco años de la economía argentina
Italia, Francia, Regno Unito, Germania, Spagna e Stati Uniti: cosa c’è davvero dietro la pirateria delle partite?
There is something increasingly strange about economic communication on social media.
20 major fashion brands: revenues, ownership, origins, strengths, weaknesses, positioning, creative leadership and outlook
Cultura dell’evasione, controlli insufficienti, tecnologia e soprattutto incentivi politici
Come la guerra tra Stati Uniti, Israele e Iran ha trasformato il principale corridoio energetico del mondo in una crisi commerciale globale
De la tecnología cosmética coreana a los ingredientes naturales de Marruecos: dos filosofías muy diferentes que están conquistando el mundo de la belleza
Dalla tecnologia cosmetica coreana agli ingredienti naturali del Marocco: due filosofie molto diverse che stanno conquistando il mondo della bellezza
Una década de criptomonedas creó una extraordinaria ilusión: que todos ganaron
A decade of cryptocurrency has created an extraordinary illusion: everyone won
Personal opinion and independent analysis.
Санкции, направленные не против России в целом, а против отдельных людей
The sanctions that target people, not Russia
The real battle is not about tariffs. It is about economic dependence.
Análisis personal — no representa una posición ideológica
Personal analysis — not an ideological position
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
Arsip ini memuat 191 publikasi yang terbit pada 21 Agustus–4 November 2026 tentang keuangan, ekonomi, perbankan, pasar, geopolitik, teknologi, masyarakat, bisnis, dan olahraga.
Pasar, perbankan, investasi, dan tren keuangan.
Analisis independen tentang kebijakan ekonomi, pertumbuhan, inflasi, utang, dan perubahan struktural.
Bagaimana keputusan politik membentuk kembali pasar, arus modal, dan ekonomi global.
Keuangan lintas batas, bisnis internasional, pasar berkembang, dan peluang global.
Roberto Balbino adalah eksekutif keuangan dan perbankan internasional serta Founder & CEO Fintech SCB, dengan pengalaman lebih dari 40 tahun di bidang keuangan, perbankan, private banking, wealth management, corporate finance, M&A, dan bisnis internasional.
Analisisnya menggabungkan pengalaman finansial selama beberapa dekade dengan pandangan independen dan sering tidak konvensional atas kekuatan yang membentuk pasar dan ekonomi global.
Karena pasar keuangan tidak hanya dibentuk oleh angka.
Pasar dibentuk oleh politik, kekuasaan, kebijakan moneter, teknologi, arus modal, dan keputusan manusia.
Insights menghubungkan kekuatan-kekuatan itu dan menantang narasi konvensional.
Tanpa agenda investasi institusional.
Keuangan dan ekonomi dilihat melampaui batas negara.
Analisis yang dirancang untuk mempertanyakan konsensus, bukan mengulanginya.
Ikuti Roberto Balbino di Substack dan terima analisis baru langsung di kotak masuk Anda.
Mengikuti itu gratis.
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