Tracking property completions in near real time with CHAPS purpose codes – Bank Underground
Simran Mehta and Valentina Macchiati
UK property transactions can be identified and observed directly within minutes of payment settlement using CHAPS, the UK’s high-value...
When the financial system becomes searchable – Bank Underground
Andreas Viljoen
Financial crises rarely begin with one self-contained weakness. They emerge when vulnerabilities connect: leverage meets a margin call; a margin call meets...
how Basel output floor could tilt bank lending – Bank Underground
Marzio Bassanin
The 2017 finalisation package of the Basel III reforms to bank capital regulation aims to make capital requirements more robust and consistent...
A new framework for monitoring risks in the UK housing market – Bank Underground
Tihana Škrinjarić
In my recent paper, I present a new model that helps assess risks in the UK housing market. Unlike traditional approaches that...
Bank Text Scams: How to Spot Fake Messages From “Your Bank”
Sangeeta Bahadur September 21, 2026Bank text message scams are on the rise and costing consumers more each year. A recent report from...
Cash Flow Moves to Make Before Your Fall Rush: A Guide for Vermont & NH Small Businesses
Sangeeta Bahadur September 21, 2026For a lot of businesses in Northern Vermont and New Hampshire, fall isn’t just another season, it’s the...