Money & Banking
Savings, credit, debt, and banking products: how they work, what they cost, and which terms deserve a second look.
Independent financial research
Financial Insights. A Brighter Tomorrow.
Money moves quickly, and headlines move faster. Fin Loom slows the picture down with research, market analysis, and data across banking, investing, markets, fintech, payments, and digital assets.
We read the numbers behind the story and the assumptions behind the numbers, so the decision in front of you is easier to weigh.
Follow the Money, Not the Noise
Financial information is everywhere. Context is the scarce part. Fin Loom sets out what is changing, what the available data shows, and where the uncertainty still sits.
It is written for readers who want an informed view without hype, needless jargon, or false certainty.
Markets in data
Research With Context
A number without context can mislead. Before a statistic appears on Fin Loom, we look at how it was defined, the period it covers, the quality of the source, and what it is being compared with.
When credible sources disagree, we show the disagreement and explain the likely reason. When the evidence is uncertain, we say so.
Three official U.S. series show what that looks like in practice. Each chart names its source, its unit, and the date of its latest figure.
Official data
U.S. Investment in Information Technology
Private investment in information processing equipment and software ran at an annual rate of $1,646 billion in Q2 2026, compared with $668 billion in Q1 2015. The figures are not adjusted for inflation.
- Latest, Q2 2026$1,646 billion
- Q1 2015$668 billion
Source: U.S. Bureau of Economic Analysis, Gross Domestic Product. Series: Private fixed investment in information processing equipment and software (A679RC1Q027SBEA), billions of dollars, seasonally adjusted annual rate, retrieved from FRED on October 3, 2026. Latest figure: Q2 2026. The source agency revises these figures.
View the numbers
| Period | Billions of Dollars |
|---|---|
| Q4 2015 | $690 billion |
| Q4 2016 | $728 billion |
| Q4 2017 | $796 billion |
| Q4 2018 | $840 billion |
| Q4 2019 | $857 billion |
| Q4 2020 | $918 billion |
| Q4 2021 | $1,017 billion |
| Q4 2022 | $1,095 billion |
| Q4 2023 | $1,143 billion |
| Q4 2024 | $1,236 billion |
| Q4 2025 | $1,495 billion |
| Q2 2026 | $1,646 billion |
Official data
The U.S. Personal Saving Rate
Households saved 4.1% of disposable income in August 2026. The highest reading since 2015 was 31.8% in April 2020.
- Latest, August 20264.1%
- January 20156.3%
Source: U.S. Bureau of Economic Analysis, Personal Income and Outlays. Series: Personal Saving Rate (PSAVERT), percent, seasonally adjusted annual rate, retrieved from FRED on October 3, 2026. Latest figure: August 2026. The source agency revises these figures.
View the numbers
| Period | Percent |
|---|---|
| December 2015 | 5.8% |
| December 2016 | 5% |
| December 2017 | 5% |
| December 2018 | 8.4% |
| December 2019 | 6.2% |
| December 2020 | 11.8% |
| December 2021 | 6.8% |
| December 2022 | 4.4% |
| December 2023 | 6.6% |
| December 2024 | 5.1% |
| December 2025 | 5% |
| August 2026 | 4.1% |
What We Cover
Six sections, held to one standard of evidence.
Investing
Funds, ETFs, retirement, and portfolio construction, read through the risk taken to pursue each return.
Markets & Stocks
Equities, valuation, trading, and market structure, with company performance kept separate from price.
Fintech
Neobanks, financial apps, and embedded finance, and the business models underneath the technology.
Payments
Wallets, processors, remittances, and open banking: the infrastructure that carries money from click to settlement.
Crypto & Digital Assets
Bitcoin, stablecoins, custody, DeFi, and tokenization, held to the same standard as traditional finance.
Built for Better Decisions
Fin Loom does not tell readers what to buy, sell, or believe. Our job is to make financial information easier to evaluate, and that starts with three distinctions.
Observed Data and Forecasts
What has been measured stays apart from what is projected.
Performance and Expectations
What a business has reported stays apart from what the market has priced in.
Short Term and Long Term
A recent development is set against the longer-term picture.
Latest Research
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Highest Yield Dividend Stocks: 6 Large-Cap Income Names and Their Risks
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Bear vs Bull Stock Market: What Each Market Cycle Means
Bear vs bull stock market explained: the 20% definitions, historical durations, the 2020 and 2022 bear markets, corrections, and 2026 market context.
How Long Does a Wire Transfer Take? Domestic vs International Timing
How long does a wire transfer take? Domestic wires often arrive the same business day. See 2026 Fedwire hours, bank cutoffs, delays, and cancellation rules.
Dividend Reinvestment Plan Calculator: How DRIP Compounding Works
Use this dividend reinvestment plan calculator to see how reinvested dividends can change share count and income over time, and which assumptions drive it.
Qualified Dividends: 2026 Tax Rates, Holding Rules, and Examples
Learn what qualified dividends are, the 2026 0%, 15%, and 20% thresholds, the 61-day holding rule, Form 1099-DIV reporting, and what does not qualify.
Independent by Design
Fin Loom is an editorial financial publication. The aim is plain: publish useful financial information, and respect the reader's ability to decide.
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