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10 things you need to know this morning in Australia Good morning.

Australia's neobanks are calling out the big four banks on their 'sneaky shit' as they beat them on interest rates Australia's digital banks have each now released their savings account rates, and – lo and behold – they are far better than the incumbents. More to the point, some neobanks argue, is they don't come with the dizzying array of conditions the big banks attach to their headline figures.

The Aussie dining app Liven lets you earn digital currency each time you pay at a restaurant – and it's now integrated with Apple Pay Australian dining rewards app Liven is now integrated with Apple Pay. Apple Pay is implemented to speed up the payments process and add another layer of security for customers.

A look back at the Aussie retailers which have collapsed or gone into administration over the past few years Jeanswest is the latest in a line of Australian retailers that have gone into administration. The list also includes Bardot, Topshop, and Ed Harry.

Bose is closing all of its Australian stores, as part of a move to shut 119 brick and mortar locations around the world Bose has announced its intention to close 119 of its brick and mortar stores across Australia, Europe, Japan and North America. This will result in job losses for a significant number of retail employees as the company moves towards a more online-focused business model.

Buy now, pay later firms Afterpay and Zip were among the most traded Aussie stocks of 2019 Buy now, pay later lenders Afterpay and Zip were amongst the most traded stocks of last year, according to broker Saxo Markets. The sector faced a tumultuous year with regulators, while stock prices rose rapidly. They were joined by mining titans Fortescue and BHP which were buffeted by a highly volatile iron ore price.

The most powerful countries on earth in 2020, ranked US News and World Report ranked countries to determine which ones are the most powerful. The US stays in first place this year, but other countries have changed positions amid rising global instability and political changes.

Alphabet's soaring stock just pushed it above a $1 trillion market cap. Here are the 11 highest-valued public companies. Alphabet is the latest company to reach a $US1 trillion valuation in public trading after closing at a record high Thursday. The record level adds a third tech company to the list of firms with four-comma valuations.

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Creativity is an extremely valuable asset in your employees - here's how to harness it Whether you work in finance or design, a thriving atmosphere of creativity is integral to the functioning of any business. Unbound by the constraints of its artsy connotations, creativity as a concept can influence problem-solving, produce new avenues of business and introduce collaborative ways of working.

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