How Banks Are Lowering Standards Amid Market Oversaturation The global lending market has entered a phase where competition is fierce, with traditional banks, fintech startups, and alternative lenders all fighting for the same customers. To stay ahead, many institutions are loosening their standards. Borrowers who might once have been rejected […]
Market Risks
Service Market Divide: Urban Oversaturation and Rural Gaps
Urban Vs. Rural: How Location Drives Service Market Imbalances Walk through a big city and you’ll find every service you can imagine. Restaurants line the streets, gyms compete on every corner, and delivery apps fight for your attention. Travel a few hours into the countryside, and the picture changes completely. […]
Rival Banks, Fragile Credit: The Hidden Risks of Competition
When Banks Compete for Customers: The Credit Market on the Brink Competition fuels lending markets, but it also carries hidden dangers. Banks and fintechs race to attract borrowers with easy terms, fast approvals, and loyalty perks. On the surface, customers celebrate cheaper credit and broader access. Yet beneath the surface, […]

Daniel Reed is the founder and chief editor of MYA App. With more than 12 years of experience in finance, economics, and digital markets, Daniel brings a unique perspective to complex topics such as credit risks, global auctions, and investment strategies.