Insights

Practical perspectives on money, banking and the economy.

Research notes and explainers from RBC Bank's economists, product teams and fraud specialists — written for customers, not committees. Articles are illustrative content for this demonstration platform.

About Insights

Insights is where RBC Bank publishes what our teams learn from working with customers every day: how budgets behave, how fraud attempts evolve, and how small financial habits compound over time.

Each piece is reviewed by our economics and risk teams before publication. Articles on this page are fictional illustrative content prepared for this demonstration platform.

Topics we cover

Personal Finance — budgeting, saving and the psychology of money.
Economy — interest rates, housing and household budgets.
Fraud Prevention — recognizing and defeating common scam patterns.
Digital Banking — payments, security and the future of everyday banking.
Small Business — cash flow, lending and growth financing.
Credit — building, repairing and protecting credit history.

New Insights are published twice a month. Customers can follow new articles from the messages centre in the app, where each new piece arrives as a notification with a direct link.

Personal Finance

The quiet power of automating your savings

Most savings plans fail at the point of decision. Automating a fixed transfer on payday removes the decision entirely — and our data shows automated savers reach their first $10,000 roughly twice as fast as manual savers.

6 min read

Economy

What mortgage renewal season means for household budgets

With a large share of mortgages renewing over the next year, household budgets face a reset moment. We outline the practical steps — stress-testing payments, comparing terms and using prepayment privileges — before your renewal date arrives.

8 min read

Fraud Prevention

Seven fraud patterns every customer should recognize

Fraud is increasingly conversational — texts, voice notes and calls that mimic familiar brands. We walk through the seven most common patterns we see, and the single rule that defeats almost all of them.

5 min read

Digital Banking

Why instant card controls change everyday confidence

The ability to lock a card in one tap, then unlock it just as fast, has quietly changed how people relate to their wallets. We look at usage patterns since launch and what they say about trust in digital banking.

4 min read

Small Business

Cash-flow habits of resilient small businesses

Businesses that weather slow seasons share a handful of habits: separating accounts, smoothing revenue with recurring billing, and keeping a fixed reserve. We break down how each works in practice.

7 min read

Credit

Building credit history from zero — a practical path

No credit history is not the same as bad credit. From secured cards to on-time utility reporting, here is a step-by-step path from no file to a strong score within two years.