Retail banks are facing disruption from fintech startups, tech giants, telecom companies, and others utilizing new technologies like mobility, IoT, analytics and open APIs. Alternative lending models are transforming the banking sector. In response, many banks are increasing innovation investment, focusing on startups through accelerators, incubators, venture funds and partnerships. However, cultural differences, regulations and security risks pose challenges to bank-startup collaboration.
Banking Disruption in Financial Services: Threats and OpportunitiesDogTelligent
There are three forces shaping the future of banking. Technology innovation is the first. For most traditional financial institutions -- banks and credit unions -- technology innovation is a weakness; instead, they rely on third-party firms ranging from established core providers to startups to provide them with a mix of products that they repackage and resell to their customers. Demographics is the second force. Millennials now account for 25% of the US population with 80 million and growing. The third force is the emergence of new business models on the one hand driven by Millennial demand and communication preferences, and on the other, enabled by new technologies as they are invented.
The report examines data from multiple sources and suggests potential defenses for institutions to fend off competitive threats from technology, retail, and telecom firms that are gaining traction in the payments and banking arenas.
Wearables, payments, data, ROI, agility, non-traditional competitors, and more.
The 2015 landscape is heated. Account holders are demanding digital experiences that meet standards set by Amazon, Netflix, and Google. New entrants like Square and Apple are upending the payments industry, and wearables are set to add a new layer of devices to prepare for.
With so many competing priorities, how can your institution determine where to focus its efforts and budget?
View this presentation to learn what industry experts think banks and credit unions should focus on this year.
Georgine Muntz's presentation at CBA LIVE touched on the technologies that can help auto lenders reach an ideal level of efficiency, including eSignatures, automated communication, and loan origination systems. She also discussed the importance of collaboration, examined the uses of detailed data analysis, and explained how hiring both experienced veterans and younger innovators helps to build the most agile and capable teams possible.
The financial technology boom of the past few years will ultimately lead to opportunities for the banks willing to take advantage of them—either through partnership or acquisition. In November, 145 bank senior executives and board members shared their views on the fintech boom. The poll was conducted at Bank Director’s annual Bank Executive & Board Compensation Conference in Chicago. Additional respondents participated online. We’ve tabulated the results, which we share along with insights from leaders in the fintech space.
Banking Disruption in Financial Services: Threats and OpportunitiesDogTelligent
There are three forces shaping the future of banking. Technology innovation is the first. For most traditional financial institutions -- banks and credit unions -- technology innovation is a weakness; instead, they rely on third-party firms ranging from established core providers to startups to provide them with a mix of products that they repackage and resell to their customers. Demographics is the second force. Millennials now account for 25% of the US population with 80 million and growing. The third force is the emergence of new business models on the one hand driven by Millennial demand and communication preferences, and on the other, enabled by new technologies as they are invented.
The report examines data from multiple sources and suggests potential defenses for institutions to fend off competitive threats from technology, retail, and telecom firms that are gaining traction in the payments and banking arenas.
Wearables, payments, data, ROI, agility, non-traditional competitors, and more.
The 2015 landscape is heated. Account holders are demanding digital experiences that meet standards set by Amazon, Netflix, and Google. New entrants like Square and Apple are upending the payments industry, and wearables are set to add a new layer of devices to prepare for.
With so many competing priorities, how can your institution determine where to focus its efforts and budget?
View this presentation to learn what industry experts think banks and credit unions should focus on this year.
Georgine Muntz's presentation at CBA LIVE touched on the technologies that can help auto lenders reach an ideal level of efficiency, including eSignatures, automated communication, and loan origination systems. She also discussed the importance of collaboration, examined the uses of detailed data analysis, and explained how hiring both experienced veterans and younger innovators helps to build the most agile and capable teams possible.
The financial technology boom of the past few years will ultimately lead to opportunities for the banks willing to take advantage of them—either through partnership or acquisition. In November, 145 bank senior executives and board members shared their views on the fintech boom. The poll was conducted at Bank Director’s annual Bank Executive & Board Compensation Conference in Chicago. Additional respondents participated online. We’ve tabulated the results, which we share along with insights from leaders in the fintech space.
Eyes wide shut: Global insights and actions for banks in the digital ageIgnasi Martín Morales
We know what banks want to achieve.
We know how they can achieve it. What we
want to explore further is how close banks
are to achieving their digital goals, both
now and over the next few years. So we
asked 157 senior IT executives, CIOs, CTOs
and other heads of technology spanning
14 primary markets for their thoughts on
digital banking’s potential for today – and
tomorrow. This paper presents the findings
of our study and examines the implications
of our findings for banking technology
executives.
World Retail Banking Report 2014 from Capgemini and EfmaCapgemini
The bank of the future is shaping up to be a balanced network of distribution channels serving the diverse and changing needs of global retail banking customers. The Capgemini and Efma 2014 World Retail Banking Report, based on the proprietary Voice of the Customer survey and Customer Experience Index measurement system, reveals detailed analysis into the behaviors and preferences of retail banking customers, assesses retail banks’ performance in meeting customer expectations and provides an in-depth look at how banks are incorporating social media into their retail delivery strategies.
The Future of Bank Branches Coordinating Physical with DigitalCapgemini
Digital Technologies will Accelerate Branch Transformation, Not Make Them Extinct
Retail banking is evolving at an accelerated pace. Globally, banks are facing disruptions from multiple directions. Business and economic realities have reduced the total number of US bank branches by 3,000 between 2009 and 2012 - a decrease of 3% over the 3-year period. In Spain alone, banks have closed 5,000 branches or 12% of their overall capacity since the financial crisis began in 2008, lowering the total branch count to approximately 40,000 in 2012.
That is not all. Digital technologies have also brought a significant shift in consumer banking behavior. The percentage of US banking customers who prefer to bank online jumped to 62% in 2011, up from 36% the previous year. Today, four of the top five transactional banking activities in North America – bill pay, viewing balances/transactions, viewing statements and money transfer – are happening online.
This brings us to the key question of this paper: do brick-and-mortar branches have a role to play in the future of retail banking?
What Can FinTechs and Traditional Banks Learn from each other?Mike Parsons
"What Can FinTechs and Traditional Banks Learn from each other?"
From platform thinking to risk management - there's plenty to learn from challenger and traditional banks. This talk presents eight ideas and learnings from a global point interview. Key topics: technical architecture, teams, culture, growth, trust, branding, risk management and customer satisfaction.
Lessons from Revolut
1. Banking as a Platform
2. Getting it Done
3. Growth Teams
4. No Middle Man
Lessons from Traditional Banks
1. Build Trust via Advice
2. Invest in Branding
3. Building Business
4. Owning the Majority
Fintech: The User Experience opportunityRaphael Ouzan
For years, banks have been banking on consumer friction and the lack of understanding from consumers to make money. But we are not ready to accept that anymore. Standards are changing and consumers learned to demand much more from services they use everyday. As consumers turn to tech companies to handle their finances, we're seeing a massive opportunity to reinvent the user experience of how we interact with our money.
Using BillGuard as a use case, this presentation goes through examples of carefully crafted mobile experiences to think about when reinventing consumer elements of finance.
Keynote de Ron Shevlin en Next Bank Madrid 2013finnovar
Esta fué la presentación de Ron Shevlin en el Next Bank Madrid del pasado 25 de Junio 2013. Ron Shevlin es Senior Analyst de Aite Group y Autor del blog Snarketing2.0.
In an age of consumer choice, anything that hints of hurting the account holder is a big mistake. If consumers think that you’re out to get them, you’ll lose their loyalty (and the revenue they bring). As proof, we surveyed 504 random US consumers about their banking experiences and found several data points that support the idea that advocacy is critically important. We put those stats — as well as quotes from industry analysts — in this presentation.
Israeli Innovation Can Accelerate China's FinTech RevolutionEsther Loewy
Upround Ventures continues to play a major role in the Israel – Asia innovation nexus. That means we invest heavily in building both our organization and our portfolio companies – and a lot of frequent flyer miles to China and Hong Kong and the region. For our Asian relationships, we identify and select the right Israeli startups to help them become, or maintain, their market leadership through innovation.
Finance, to no surprise, is a major industry in Asia with Hong Kong and Singapore vying to be the international hub for APAC. Within Mainland China, we see the largest institutions, state owned enterprises and new financial players embracing a pure digital banking experience. This report shows why traditional financial institutions need to innovate to stay relevant and why the disrupters are on a constant search for the newest technologies to stay ahead of the game.
Global banks have established or joined fintech hubs in NY, London, Hong Kong , Silicon Valley, Singapore and yes, Tel Aviv. Citi’s first (and only?) innovation center is in Tel Aviv. Barclays (where I mentor) added Tel Aviv after their tech initiatives in London, NY and Capetown. The list of global banks and financial institutions that visit Israel, keen to learn, cooperate and invest runs the gamut of continents.
Israel is home to some of the world’s strongest technologies needed to fuel the growth of China’s financial institutions. We’ll embark on that journey with How Israeli Technologies Can Accelerate China’s FinTech Revolution
A special thank you to Shir Bodner and Ye Qu of Upround Ventures who played an integral role in this collaborative project.
Great Banking Experience by Service Design - Banks vs. FinTechsChristian Graf
Cash money and banks as we know it will be gone in the near future. Digital financial services by new FinTechs will rule our everyday routines. This could be one scenario. Another could be that banks outrun FinTechs in the long run because of their established
customer base and big budget. Which of the two scenarios is more likely?
Together, we will look into the realities and opportunities of innovative concepts from Banks and FinTechs. Learnings from the past 15+ years of eBanking and new financial services will be presented. You will see how successful service designs for new banking services were created – both from FinTechs and from Banks. With the help of a Value
Proposition Canvas we will analyse some new digital financial services.
In the end, we will discuss the recent develoment in the FinTech realm: the first FinTech got a banking license in Germany. Now, time seems to be near that FinTechs and Banks compete even more, or they cooperate. The hypothesis is: FinTechs or Banks or Bank plus FinTech – it does not matter. What matters is how well the service meets the user needs and provides a great customer experience. And service design is a great way to create such services.
We were asked to give a mobile banking planning/education chat with some agency folk here in NYC. This is a version of that deck/convo.
"A growing polarization between leaders and laggards as visionary financial institutions rise to the challenge of calamity and move ahead of their weaker competitors. Mobile represents a necessary step forward for all retail banks."
«Branch, Internet, Mobile, Digital» is a study that aims to synthesize and connect some of the most innovative actions that Banks, Fintechs and other actors are undertaking to develop a new model for the financial services.
Views expressed in this presentation are my own.
Software development is part of the DNA of Ingenia. In more than 20 years of existence, we have evolved with the technologies available, offering our clients applications, developments and products to satisfy their needs.
Eyes wide shut: Global insights and actions for banks in the digital ageIgnasi Martín Morales
We know what banks want to achieve.
We know how they can achieve it. What we
want to explore further is how close banks
are to achieving their digital goals, both
now and over the next few years. So we
asked 157 senior IT executives, CIOs, CTOs
and other heads of technology spanning
14 primary markets for their thoughts on
digital banking’s potential for today – and
tomorrow. This paper presents the findings
of our study and examines the implications
of our findings for banking technology
executives.
World Retail Banking Report 2014 from Capgemini and EfmaCapgemini
The bank of the future is shaping up to be a balanced network of distribution channels serving the diverse and changing needs of global retail banking customers. The Capgemini and Efma 2014 World Retail Banking Report, based on the proprietary Voice of the Customer survey and Customer Experience Index measurement system, reveals detailed analysis into the behaviors and preferences of retail banking customers, assesses retail banks’ performance in meeting customer expectations and provides an in-depth look at how banks are incorporating social media into their retail delivery strategies.
The Future of Bank Branches Coordinating Physical with DigitalCapgemini
Digital Technologies will Accelerate Branch Transformation, Not Make Them Extinct
Retail banking is evolving at an accelerated pace. Globally, banks are facing disruptions from multiple directions. Business and economic realities have reduced the total number of US bank branches by 3,000 between 2009 and 2012 - a decrease of 3% over the 3-year period. In Spain alone, banks have closed 5,000 branches or 12% of their overall capacity since the financial crisis began in 2008, lowering the total branch count to approximately 40,000 in 2012.
That is not all. Digital technologies have also brought a significant shift in consumer banking behavior. The percentage of US banking customers who prefer to bank online jumped to 62% in 2011, up from 36% the previous year. Today, four of the top five transactional banking activities in North America – bill pay, viewing balances/transactions, viewing statements and money transfer – are happening online.
This brings us to the key question of this paper: do brick-and-mortar branches have a role to play in the future of retail banking?
What Can FinTechs and Traditional Banks Learn from each other?Mike Parsons
"What Can FinTechs and Traditional Banks Learn from each other?"
From platform thinking to risk management - there's plenty to learn from challenger and traditional banks. This talk presents eight ideas and learnings from a global point interview. Key topics: technical architecture, teams, culture, growth, trust, branding, risk management and customer satisfaction.
Lessons from Revolut
1. Banking as a Platform
2. Getting it Done
3. Growth Teams
4. No Middle Man
Lessons from Traditional Banks
1. Build Trust via Advice
2. Invest in Branding
3. Building Business
4. Owning the Majority
Fintech: The User Experience opportunityRaphael Ouzan
For years, banks have been banking on consumer friction and the lack of understanding from consumers to make money. But we are not ready to accept that anymore. Standards are changing and consumers learned to demand much more from services they use everyday. As consumers turn to tech companies to handle their finances, we're seeing a massive opportunity to reinvent the user experience of how we interact with our money.
Using BillGuard as a use case, this presentation goes through examples of carefully crafted mobile experiences to think about when reinventing consumer elements of finance.
Keynote de Ron Shevlin en Next Bank Madrid 2013finnovar
Esta fué la presentación de Ron Shevlin en el Next Bank Madrid del pasado 25 de Junio 2013. Ron Shevlin es Senior Analyst de Aite Group y Autor del blog Snarketing2.0.
In an age of consumer choice, anything that hints of hurting the account holder is a big mistake. If consumers think that you’re out to get them, you’ll lose their loyalty (and the revenue they bring). As proof, we surveyed 504 random US consumers about their banking experiences and found several data points that support the idea that advocacy is critically important. We put those stats — as well as quotes from industry analysts — in this presentation.
Israeli Innovation Can Accelerate China's FinTech RevolutionEsther Loewy
Upround Ventures continues to play a major role in the Israel – Asia innovation nexus. That means we invest heavily in building both our organization and our portfolio companies – and a lot of frequent flyer miles to China and Hong Kong and the region. For our Asian relationships, we identify and select the right Israeli startups to help them become, or maintain, their market leadership through innovation.
Finance, to no surprise, is a major industry in Asia with Hong Kong and Singapore vying to be the international hub for APAC. Within Mainland China, we see the largest institutions, state owned enterprises and new financial players embracing a pure digital banking experience. This report shows why traditional financial institutions need to innovate to stay relevant and why the disrupters are on a constant search for the newest technologies to stay ahead of the game.
Global banks have established or joined fintech hubs in NY, London, Hong Kong , Silicon Valley, Singapore and yes, Tel Aviv. Citi’s first (and only?) innovation center is in Tel Aviv. Barclays (where I mentor) added Tel Aviv after their tech initiatives in London, NY and Capetown. The list of global banks and financial institutions that visit Israel, keen to learn, cooperate and invest runs the gamut of continents.
Israel is home to some of the world’s strongest technologies needed to fuel the growth of China’s financial institutions. We’ll embark on that journey with How Israeli Technologies Can Accelerate China’s FinTech Revolution
A special thank you to Shir Bodner and Ye Qu of Upround Ventures who played an integral role in this collaborative project.
Great Banking Experience by Service Design - Banks vs. FinTechsChristian Graf
Cash money and banks as we know it will be gone in the near future. Digital financial services by new FinTechs will rule our everyday routines. This could be one scenario. Another could be that banks outrun FinTechs in the long run because of their established
customer base and big budget. Which of the two scenarios is more likely?
Together, we will look into the realities and opportunities of innovative concepts from Banks and FinTechs. Learnings from the past 15+ years of eBanking and new financial services will be presented. You will see how successful service designs for new banking services were created – both from FinTechs and from Banks. With the help of a Value
Proposition Canvas we will analyse some new digital financial services.
In the end, we will discuss the recent develoment in the FinTech realm: the first FinTech got a banking license in Germany. Now, time seems to be near that FinTechs and Banks compete even more, or they cooperate. The hypothesis is: FinTechs or Banks or Bank plus FinTech – it does not matter. What matters is how well the service meets the user needs and provides a great customer experience. And service design is a great way to create such services.
We were asked to give a mobile banking planning/education chat with some agency folk here in NYC. This is a version of that deck/convo.
"A growing polarization between leaders and laggards as visionary financial institutions rise to the challenge of calamity and move ahead of their weaker competitors. Mobile represents a necessary step forward for all retail banks."
«Branch, Internet, Mobile, Digital» is a study that aims to synthesize and connect some of the most innovative actions that Banks, Fintechs and other actors are undertaking to develop a new model for the financial services.
Views expressed in this presentation are my own.
Software development is part of the DNA of Ingenia. In more than 20 years of existence, we have evolved with the technologies available, offering our clients applications, developments and products to satisfy their needs.
The perspective of Fintech executives.
In June of 2015, The Economist Intelligence Unit (sponsored by HP) conducted in-depth surveys of over 100 global bankers and Fintech executives on the future of retail banking. This is what we found.
The Agile Bank can grow market share and reduce operational costs in exciting new ways. Discover a new retail banking distribution and marketing model for the digital era – an environment where customers have more control than ever.
Slides from my keynote w/ Capgemini in Copenhagen - looking at how Microsoft, GE, KLM and Uber use Salesforce Marketing Cloud to innovate, disrupt and build customer relationships faster.
These slides use concepts from my (Jeff Funk) course entitled Biz Models for Hi-Tech Products to analyze the business model for Uber’s taxi service. Uber’s service enables anyone to provide taxi services and it provides dynamic pricing for better matching of supply and demand. Its value proposition for potential drivers is the opportunity to work as driver on their own hours. Its value proposition for user to lower taxi fares during most times of the day and a higher supply of taxis (and higher prices) during peak demand. The customers are tech-savvy and smart phone users who value their time. Uber receives payments directly from customers and keeps a percentage of these payments as its income. Uber’s patents for a demand-price algorithm represent a barrier of entry and thus a method of strategic control.
Banking redefined: disruption, transformation and the next generation bankPauline Mura
To succeed in today’s environment, businesses need to
lead through increased complexity and volatility, drive
operational excellence and enable collaboration across
enterprise functions, develop higher quality leadership and
talent, manage amidst constant change and unlock new
possibilities grounded in data.
Fintech and Transformation of the Financial Services IndustryRobin Teigland
Slides from our FinTech day as part of the Entrepreneurship & Innovation Concentration in the Stockholm School of Economics Exec MBA program in Stockholm, Sweden.
In order to develop a fact-based perspective, The Economist Intelligence Unit (EIU), sponsored by Hewlett Packard Enterprise, has conducted parallel surveys of more than 100 senior bankers and 100 Fintech executives. The objective is to determine their respective views on the impact of Fintech, the strengths and weaknesses of the participants and the likely landscape for the retail banking industry over the next five years.
Change is now the common narrative for retail bankers, with three interlocking "Rs" affecting all retail banks. "Regulate" still resonates as authorities finalise efforts to police the systems without stymieing economic growth. Equally challenging is "Revise" as traditional players work out their roles as customer expectations change rapidly. Further impetus comes from the start-ups and non-banking disruptors who aim to "Re-envisage" banking.
Etude PwC sur les banques de détail (2014)PwC France
http://pwc.to/Olb8pn
Selon l’étude de PwC "Retail Banking 2020: Evolution or revolution", plus de la moitié (55 %) des dirigeants de banques de détail considèrent que les prestataires de services financiers non classiques – comme les banques en ligne - constituent une menace pour les banques traditionnelles. Ce rapport, fruit d'une enquête conduite auprès de 560 dirigeants d'institutions financières majeures dans 17 pays, indique également que plus de la moitié d'entre eux (54 %) estiment que les grandes banques remporteront la mise en 2020. Les autres (46 %) considèrent que les banques plus petites gagneront des parts de marché grâce à une différenciation accrue.
PwC a identifié 6 facteurs de réussite pour les banques de détail en 2020.
Banca Retail 2020 - PwC Informes - Informe completoPwC España
El informe ‘La Banca Retail en 2020, ¿Evolución o revolución?’, elaborado por PwC a partir de entrevistas realizadas a 560 directivos de las principales entidades financieras de 17 países diferentes, recoge los cambios que marcarán el futuro del sector bancario, así como la hoja de ruta que deberían seguir las entidades para alcanzar una posición de liderazgo en 2020.
Powerful forces are reshaping the banking industry. Customer expectations, technological
capabilities, regulatory requirements, demographics and economics are together creating an
imperative to change. Banks need to get ahead of these challenges and retool to win in the next era.
Banks must not only execute on today’s imperatives, but also radically innovate and transform
themselves for the future.
Legacy banks, credit card networks, insurance providers, etc. face disruption and downturn versus FinTech firms incubating new ways to store and transmit digital money. I offer three approaches, including partnerships, VC-style incubation, and data-led insights, as opportunities for legacy FS firms to leap ahead in this new world.
Accelerating the change: London FinTech 2015-2016 Trend ReportStartupbootcamp
This report highlights the most important trends of 2015 within the FinTech space and looks forward to what we can expect to see in 2016. As more startups enter the market there is increasing need to understand this shift and monitor what is happening.
The convergence of non-traditional rivals and heightened global regulation are creating new digital opportunities for banks. To seize the high ground, banks need to think like disruptors and apply modern digital tools, techniques and partnership strategies.
Preparing to Enter the New Decade with the Latest Digital Banking Trends and ...Nouamane Cherkaoui
Talk by Nouamane Cherkaoui at Berlin Virtual Digital Summit - 15 october 2020
FinTech, InsurTech, digitalization and innovative technologies are disrupting Banks & Insurance compagnies. Digital technologies which were initially limited to banking channels, now cover the entire banking & Insurance spectrum.
The finance industry has undergone many phases of digital transformation in the last few years. Nowadays, it’s facing crucial decisions on technology shifts adoption with emerging trends in digital transformation technologies defining the future of banking, Insurance & Asset Management.
Was unterscheidet klassische Filialbanken von FinTechs?
Und in welche Richtung geht es in der Zukunft...
Diese Präsentation wurde anlässlich der Planungsklausur im Dezember 2014 in einer "klassischen Bank" präsentiert...
Die Zukunft des Retail-Banking: wie sieht sie für eine regionale Genossenschaftsbank aus? Wer sind die zukünftigen "neuen" Mitbewerber? Und wie sehen andere Banken die Zukunft?
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Infographic: How Retail Banks Are Adapting to Fintech Disruption
1. ADAPT TO SURVIVE
How Retail Banks are
Adapting to FinTech Disruption
How Retail Banks are
Adapting to FinTech Disruption
Alternative lending models are transforming the banking sector, creating both competitive threats and evolutionary
opportunities for financial institutions in Asia. But with an estimated 4,000 firms challenging banks in every product line,
the level of disruption facing the financial industry has reached a tipping point, as this infographic shows:
RETAIL BANKS ARE FACING DISRUPTION
FROM THE FOLLOWING AREAS:
Startups
Tech Companies
(Apple, Google)
Telcos, Retailers
and Insurers
NEW TECHNOLOGIES HAVE EMERGED
WHICH ARE STARTING TO HAVE A DRAMATIC
IMPACT ON THE BANKING INDUSTRY:
Mobility
Internet of Things
Analytics/Big Data
Open APIs
72% of retail banks regard the threat from at least one group
of these potential competitors as either high or very high.
Source: Innovation in Retail Banking, Efma and EdgeVerve Systems Limited
2 4 6 8 10 12 14 16 18 20
2015
2014
2013
2012
2011
2010
BILLIONS OF DOLLARS
Peer-to-Peer (P2P)
P2P is affecting product areas
like personal and small
business lending, and money
transfers and as a result,
Fintech Investment has grown
exponentially in recent years.
Source: Digital Disruption: How FinTech is Forcing Banking to a Tipping Point, Citi GPS
THE LARGEST SUB-SECTORS FOR INVESTMENT IN FINTECH, RANKED IN ORDER OF INVESTMENT, ARE:
£
1
$
€
$
$
1. 2. 3.
Payments Lending Wealth Management
OPINIONS ARE DIVIDED ABOUT THE FUTURE OF THE FINANCIAL
INDUSTRY, BUT THE MAJORITY OF BANKS PREDICT DISRUPTION
Banks will become minor players
Fintech phenomenon is overstated
Banks will continue to dominate
Banks and Fintech will have about equal share
A mix—banks and Fintech—each dominating sectors
5
10
20
24
33
% respondents
Source: The Disruption of Banking, The Economist Intelligence Unit.
IN RESPONSE, BANKS ARE FOCUSING ON INNOVATION
2009
15%
2014
84%
2015
84%
Proportion of banks increasing their innovation investment from the previous year:
69% of banks believe that
start-ups can have a high or very
high impact on innovation.
Yet only around 40% of banks
have a positive or very positive
attitude to working with start-ups.
ACCORDING TO THE BANKS
THEMSELVES, THE MOST
SIGNIFICANT CHALLENGES
INVOLVED IN WORKING
WITH START-UPS ARE:
45%
Cultural
Differences
53%
Rules and
Regulations
Security
Risks
Discover How to Adapt to FinTech
Disruption at Asia’s Only Event Focused
on Innovation in Digital Lending:
86%
WILL INCREASE THEIR
INVOLVEMENT WITH
START-UPS IN
DIGITAL MARKETING
WILL INCREASE
THEIR INVOLVEMENT
WITH START-UPS
IN PAYMENTS
Source: Innovation in Retail Banking, November 2015, Efma and EdgeVerve Systems Ltd.
NEW STRATEGIES FOR BANKS
Accelerators / Incubators
~20% of banks now have their own accelerator/incubator or are
partnering with an external accelerator/incubator, in order to work
more closely with innovative start-ups.
Corporate Venturing
<10% of banks are investing in start-ups using a corporate venture
fund, with a further 10% making ad-hoc investments.
Alternative Partnerships
There are many other types less common types of partnership
between banks and innovative start-ups emerging including:
Banks providing lending through P2P lending platforms,
Banks licensing personal financial management technology,
Banks launching new mobile payments services.
$$
$
$
$
$
VARIED APPROACHES
Banks in High Income Countries:
Have made a positive movement relative to
less developed countries in the last 12 months
in terms of innovation objectives and
performance
Are more concerned about the threat of
industry disruption
Are more likely to be investing in
startups or working with
accelerators and incubators
Global Banks:
Are most likely to be aiming for
innovation leadership now and are
most likely to have a corporate venture
fund or an incubator which may give them
an innovation advantage over their smaller
domestic competitors in the next few years.
Adapt to Survive
Given that start-ups are responsible for most
of the radical innovation in financial services, it
is essential that banks:
Monitor the progression of innovative
start-ups in financial services.
Watch how other banks are
taking advantage of these trends
globally.
Start working with start-ups
either as partners or suppliers.
Find ways to overcome the
regulatory and cultural issues when
working with start-ups.
Source: Innovation in Retail Banking, November 2015, Efma and EdgeVerve Systems Limited Digital Disruption:
How FinTech is Forcing Banking to a Tipping Point, Citi GPS The Disruption of Banking, The Economist Intelligence Unit
But it’s not just technology that is changing, disruptive
business models are also emerging, most notably:
30
20
10
0
Despite these challenges, most banks said they expect
to increase their involvement with innovative start-ups:
$
$
$
$
$
$
$
$
$
$
$
$
Li Hui Hui
President of Global
Business Management,
Deputy GM of Strategic
Development,
Board of Directors
China HengFeng Bank
Bhaskar Katta
Head of International Retail,
Wealth and Private Banking
Operations
ANZ
Torsten Kleine Buening
Head, Governance –
Enterprise-Wide Risk
Management
Standard Chartered
Aishwarya Kunal
Vice President, Fixed Income,
Structured Products & Loans
International Personal Bank
Citibank
19th
-20th
July 2016 | Singapore
This unique event will provide a platform for Banks, Fintech companies and other
financial institutions to learn the most innovative lending practices in Asia and
across the world that resonate with the sophisticated market demands.
Featuring:
CLICK TO
DOWNLOAD AGENDA