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RBNZ Settlement Account Access: Game Changer for NZ Financial Services Competition
The Reserve Bank of New Zealand (RBNZ) has announced its intention to open access to its Exchange Settlement Account System (ESAS) beyond just traditional banks. This change could extend access to non-bank deposit takers, payment service providers, overseas institutions, and financial market infrastructure operators — a potential turning point for competition in the sector.

Happy Prime
4 days ago3 min read
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Kiwis need to talk about our fear of risk and what it’s costing us
New Zealand has an aversion to risk, but the key isn’t avoiding it, it’s knowing how much we’ll take for the reward we want.

Meurig Chapman
Apr 92 min read
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Climate change an imminent and unfolding storm for NZ homeowners
While the New Zealand Government may be dialling back on climate change commitments, extreme weather events will cause financial disasters.

Happy Prime
Mar 243 min read
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How money is created in NZ
While most of us use New Zealand dollars every day to buy goods and services, few probably stop to think about where that money actually...

Happy Prime
Feb 174 min read
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Low Side Overrides and Why Credit Risk Management Should Care
Discover what low side overrides are, why they matter in credit risk management, and how to mitigate their risks for a healthier loan portfo

Happy Prime
Dec 17, 20243 min read
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Pros and Cons of Reverse Mortgage v Debt Consolidation
Explore the pros and cons of reverse mortgages vs. debt consolidation to find the best option for your financial goals and retirement needs.

Happy Prime
Dec 13, 20243 min read
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Barking up the right tree: Credit risk lessons from dog biscuits
Managing credit risk is like crafting the perfect dog biscuit—balance high-quality loans, diversification, and risk for a healthy portfolio.

Meurig Chapman
Dec 11, 20243 min read
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Why People Buying Their First House Are Irrational: The Heart Is Stronger Than the Mind
Discover why first-time homebuyers often let emotions take the wheel, leading to decisions that defy pure financial logic.

Happy Prime
Dec 5, 20244 min read
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Time for lenders to back Kiwi talent, not just property
New Zealand's property-focused lending stifles SME growth. Shifting to business-backed loans can unlock potential in tech & services.

Happy Prime
Nov 27, 20243 min read
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Celebrating Seven Years of Excellence at Happy Prime Risk Consultancy
It’s our birthday! As we celebrate our seventh anniversary, we’re not merely resting on our laurels.

Happy Prime
Nov 7, 20243 min read
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Buy Now Pay Later - Happy Prime's Meurig Chapman on RNZ
Will Buy Now Pay Later (BNPL) face the same demise as peer-to-peer lending?

Happy Prime
Oct 30, 20241 min read
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We’re not here to f*ck spiders
At Happy Prime Risk Consultancy, we believe in straight talk and decisive action.

Happy Prime
Oct 22, 20243 min read
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We're proud to be partnering with Women in Credit Risk & Collections
Happy Prime has partnered with Women in Credit Risk & Collections.

Happy Prime
Oct 20, 20242 min read
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Monopolised capital market hinders Kiwis’ access to finance
Recent changes to the CCCFA, while welcome, are unlikely to significantly improve Kiwi access to finance.

Happy Prime
Oct 17, 20242 min read
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Whataboutism in Credit Risk Management: A dangerous distraction
Addressing 'whataboutism' in credit risk improves clarity, risk assessments, and keeps discussions productive for effective strategies.

Meurig Chapman
Sep 17, 20242 min read
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Buy Now, Pay Later (BNPL): What are they and are they bad for Kiwis
In this blog post, we explore what BNPL is and the pros and cons associated with this payment method.

Meurig Chapman
Sep 11, 20243 min read
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What Is Bootstrapping in Scorecard Development?
Here's a step-by-step explanation of how bootstrapping works in scorecard development.

Meurig Chapman
Aug 20, 20243 min read
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Credit risk cycle
Monitor the credit risk cycle to reduce losses and maintain a healthy credit portfolio with effective risk management measures.

Meurig Chapman
Aug 13, 20242 min read
23
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Reject inference
In this blog, we will discuss the concept of reject inference and how it is used in scorecard development.

Meurig Chapman
Aug 9, 20242 min read
17
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Climate change an imminent and unfolding storm for NZ homeowners
NZ faces rising uninsurable property risks from extreme weather. Happy Prime CEO urges action to prevent financial disaster for Kiwis.

Happy Prime
Aug 5, 20243 min read
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