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An APT Blueprint: Gaining New Visibility into Financial Threats AN APT BLUEPRINT: GAINING NEW VISIBILITY INTO FINANCIAL THREATS

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Sep 03, 2019

In mid-2018, Bitdefender researchers investigated a targeted attack on an Eastern European financial institution, gaining new insights and creating a complete event timeline showing how the infamous group Carbanak infiltrates organizations, how it moves laterally across the infrastructure, and the t...

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Financial Services Organizations: ExtractingPowerful Insights with AI-Powered Platforms FINANCIAL SERVICES ORGANIZATIONS: EXTRACTINGPOWERFUL INSIGHTS WITH AI-POWERED PLATFORMS

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Aug 28, 2019

Financial services organizations (FSOs) today collect and maintain an abundance of data, both structured and unstructured. For most of these organizations, data can be a double-edged sword. Collecting and maintaining increased amounts of data related to customers and portfolios can provide tremendou...

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THE FUTURE OF CUSTOMER ENGAGEMENT: What banking market leaders need to know THE FUTURE OF CUSTOMER ENGAGEMENT: WHAT BANKING MARKET LEADERS NEED TO KNOW

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Aug 25, 2019

Banking has changed dramatically since the days of visiting the local branch a few times a week. Online and mobile banking let customers conduct most of their daily transactions without ever setting foot in a brick-and-mortar bank. In fact, a new generation of online-only banks, such as Ally and GoB...

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WHY AI? HOW LANGUAGE & AI SERVICES GO HAND-IN-HAND WHY AI? HOW LANGUAGE & AI SERVICES GO HAND-IN-HAND

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Aug 21, 2019

In practice, of course, things are more complicated. Effective translation necessitates a nuanced understanding of (at least) two languages and cultures, both source and target. It requires an understanding of the original content’s goals. It mandates a fluency in tone and subtext as well as v...

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A BUYER’S GUIDE FOR LOCALIZATION SERVICES: A BUYER’S GUIDE FOR LOCALIZATION SERVICES:

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Aug 21, 2019

Your localization partner is going to do a deep-dive into your business—so start by diving deep into theirs. Are they an industry-leader with 20 years of experience or a relative newcomer? Will they speak Samoan, Uzbek, or Swahili (and all your customers’ languages)? Can they deliver on-...

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USING CONTENT MARKETING TO GENERATE DEMAND, CREATE NEW AUDIENCES USING CONTENT MARKETING TO GENERATE DEMAND, CREATE NEW AUDIENCES

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Aug 14, 2019

Content—and how brands use it to interact with buyers at all stages of the engagement journey—has fundamentally reshaped every business’ go-to-market strategy. This shift has been particularly challenging for “top-of-the-funnel” demand generation marketers, most of who ...

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Global One-Stop High-Quality Financial Assets Trading Platform Based on Blockchain Technology GLOBAL ONE-STOP HIGH-QUALITY FINANCIAL ASSETS TRADING PLATFORM BASED ON BLOCKCHAIN TECHNOLOGY

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Aug 12, 2019

Bitcoin was born on the occasion of the global financial crisis in 2008. At that time, centralized financial institutions wantonly abused their rights to expand the credit scale ceaselessly, which resulted in increasing financial risks at the tail and eventually had the bubble burst. Those who suffe...

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Is financially preparing for a chronic condition possible? IS FINANCIALLY PREPARING FOR A CHRONIC CONDITION POSSIBLE?

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Aug 10, 2019

To understand consumers’ needs and concerns about health saving and spending related to managing chronic care conditions, Optum Bank® conducted qualitative research with patients and caregivers who are currently dealing with a range of chronic conditions including chronic obstructive pulmo...

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SIMPLIFY TRADE FINANCE OPERATIONS WITH INTELLIGENT AUTOMATION SIMPLIFY TRADE FINANCE OPERATIONS WITH INTELLIGENT AUTOMATION

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Aug 08, 2019

Intelligent Automation (IA) facilitates Trade Finance Operations. IA solution engages cutting edge technologies such as Intelligent Data Capture and Artificial Intelligence to provide end-to-end automation of Trade Finance processes, which are otherwise heavily document driven. The solution also aut...

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Half-Year Financial Report HALF-YEAR FINANCIAL REPORT

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Aug 07, 2019

Sampo Group's profit before taxes for January - June 2019 amounted to EUR 981 million (1,153). The comparison figure contains a non -recurring profit item of EUR 197 million related to Mandatum Life's co-operation agreement with Danske Bank. The total comprehensive income for the period, tak...

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Best Practices in Financial Planning & Analysis BEST PRACTICES IN FINANCIAL PLANNING & ANALYSIS

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Jul 30, 2019

Since humans first started trading and bartering, the business environment has been in a state of constant change. There’s no way to know for certain whether markets will rise or fall, when trends will appear or fade, or whether opportunities will pan out as planned. Change, unfortunately, is ...

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Virtual banking is disrupting Asia’s financial services VIRTUAL BANKING IS DISRUPTING ASIA’S FINANCIAL SERVICES

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Jul 17, 2019

Most major banks around the world have gone digital to some degree. From simply checking a balance to getting cash at an ATM to managing complex payments, consumers have grown accustomed to choosing between going to the local branch or banking on their home phone, cell phone, or computer. But virtua...

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Measuring Customer Experience in the Banking Industry MEASURING CUSTOMER EXPERIENCE IN THE BANKING INDUSTRY

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Jul 17, 2019

New regulations, evolving customer expectations, and increased competition are transforming the way banks engage with customers. As the banking industry undergoes rapid change, the ability of a company to reliably deliver an excellent mobile or online experience for their customers becomes a key dif...

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Financial markets Q2 outlook FINANCIAL MARKETS Q2 OUTLOOK

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Jul 17, 2019

The markets continued to be volatile in the second quarter with continued uncertainty over the strength of the global economy, a downward shift in expected growth rates, and the risks of open trade negotiations. Globally, central bankers have paused or lowered rates in the quarter. The ECB noted tha...

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FIRM’S GUIDE TO THE CONSOLIDATED AUDIT TRAIL (CAT) FIRM’S GUIDE TO THE CONSOLIDATED AUDIT TRAIL (CAT)

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Jul 16, 2019

This Guide provides an overview of the Consolidated Audit Trail (CAT) and a summary of considerations for Industry Members (Firms) as they prepare to report to the CAT. For purposes of this document, Firms are specifically those who are Industry Members of the Securities Industry and Financial Marke...

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AI-Driven Deal Origination for Capital Markets AI-DRIVEN DEAL ORIGINATION FOR CAPITAL MARKETS

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Jul 16, 2019

The wider financial Services (FS) sector is one that has been transformed by technology over the past decade. The rise of online banking and mobile applications have transformed the consumer FS space and it’s a sector that has seen untold disruption and innovation in that time.

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Compete Win in the Age of Account Based Buying COMPETE WIN IN THE AGE OF ACCOUNT BASED BUYING

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Jul 15, 2019

If you’re on a B2B revenue team, it’s likely your Marketing and Sales teams are experiencing some angst these days when it comes to understanding how prospects and customers want to interact with your company. On one hand customers seem to want ultra-personalized attention on every chann...

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Capital Gains Tax: Private Residence Relief CAPITAL GAINS TAX: PRIVATE RESIDENCE RELIEF

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Jul 11, 2019

On 1 April 2019 HM Revenue & Customs (HMRC) and HM Treasury (HMT) published a consultation document “Capital Gains Tax: Private Residence Relief: changes to the ancillary reliefs”. The consultation sought views on changes announced at Budget 2018 to lettings relief and the final peri...

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Accelerating reinvention with digital banking frameworks ACCELERATING REINVENTION WITH DIGITAL BANKING FRAMEWORKS

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Jul 09, 2019

Digitization and technology disruption are changing the shape of our world, transforming society, industries and economies by reinventing traditional business models and creating new ones. These unstoppable forces are creating the need for the banking industry to develop new operating models. But wh...

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Green Finance Strategy GREEN FINANCE STRATEGY

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Jul 08, 2019

Building on the important work of the Green Finance Taskforce, this first Green Finance Strategy sets out how we will achieve this ambition and accelerate the growth of green finance, from greening the global financial system and catalysing the investment we need, to driving innovation in financial ...

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The SiriusDecisions B-to-B Buying Decision Process Framework THE SIRIUSDECISIONS B-TO-B BUYING DECISION PROCESS FRAMEWORK

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Jul 08, 2019

Decisionmaking is a cognitive process defined by psychologists as the selection of a course of action from multiple alternatives (e.g. what to eat, where to shop). John Dewey, the pragmatic philosopher and psychologist, introduced the first decision process framework for consumer buying in his book ...

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Secular Risk Creates New Opportunities in High Yield Bonds SECULAR RISK CREATES NEW OPPORTUNITIES IN HIGH YIELD BONDS

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Jul 08, 2019

With significant technology innovation and disruption unfolding across the U.S. economy, a growing number of companies are facing risks that could result in lower revenues, earnings per share, and valuations in future years. While observers typically associate disruption with equity investing, meani...

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Dividend Arbitrage - RD:IR DIVIDEND ARBITRAGE - RD:IR

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Jul 05, 2019

The level of stock lending around ex-dividend dates spikes in roughly one third of FTSE 350 companies. But why? Dividend arbitrage (also known as dividend washing) is a trade that enables investment firms to reduce their tax bill relating to dividend payments. The method used is to place shares in a...

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The Roundtable on Financing Water THE ROUNDTABLE ON FINANCING WATER

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Jul 04, 2019

The Sustainable Development Goal (SDG) 6 commits governments to ensure availability and sustainable management of water and sanitation for all by 2030. 2 While water is an essential foundation of life, live hoods and well-being that supports economic activity in the long-term, it has been under-valu...

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Trust the right values to grow your investments TAURUS ETHICAL FUND TRUST THE RIGHT VALUES TO GROW YOUR INVESTMENTS TAURUS ETHICAL FUND

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Jul 04, 2019

This Key Information Memorandum (KIM) sets forth the information, which a prospective investor ought to know before investing. For further details of the Schemes/Mutual Fund, Due Diligence Certificate by the AMC, Key Personnel, Investors' Rights and Services, Risk Factors, Penalties and Pending ...

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Implications of digitalisation in retail payments for the Eurosystem’s catalyst role IMPLICATIONS OF DIGITALISATION IN RETAIL PAYMENTS FOR THE EUROSYSTEM’S CATALYST ROLE

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Jul 02, 2019

Technological innovation, regulatory reforms and the increasing digitalisation of people’s daily lives have reshaped the European retail payments landscape and are set to continue to do so. Besides its role as operator of TARGET2, the Eurosystem acts as a catalyst for EU market integration. In...

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Asia’s Growing Importance in the Global Economy and Financial Markets ASIA’S GROWING IMPORTANCE IN THE GLOBAL ECONOMY AND FINANCIAL MARKETS

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Jul 02, 2019

GIC has been committed to Asia’s growth story for several decades. We continue to take a constructive view on Asia’s long-term future. The region’s share of the global economy has more than doubled over the past 40 years, and its financial markets have developed significantly. Whil...

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Cryptocurrency mining using renewable energyAn eco-innovative business model CRYPTOCURRENCY MINING USING RENEWABLE ENERGYAN ECO-INNOVATIVE BUSINESS MODEL

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Jul 01, 2019

As a boutique de novo in Nashville, Tennessee, Studio Bank wanted to be a thoroughly modern institution, and needed a technology partner that could help make this happen. After talking to several institutions over $1 billion in assets, Studio Bank chose CSI for its core processing and digital bankin...

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Personal Banking Pricing Guide 2019/2020 PERSONAL BANKING PRICING GUIDE 2019/2020

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Jul 01, 2019

We like to keep our pricing simple and easy to understand. Our transactional accounts on Electronic Pricing Option (EPO) come with a fixed monthly fee with UNLIMITED FREE electronic transactions when using the FNB App, Online Banking or Cellphone Banking. This puts you in full control of what you pa...

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Capital Market Outlook CAPITAL MARKET OUTLOOK

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Jul 01, 2019

Since the Great Depression and World War II (WWII), the federal government’s role in promoting certain economic goals has become increasingly formalized through legislative mandates. The Employment Act of 1946 stated that it was the “continuing policy and responsibility” of the fed...

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Investments Guide INVESTMENTS GUIDE

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Jul 01, 2019

The information in this document forms part of the Super Member Guide – Product Disclosure Statement (PDS). Issued 1 July 2019 for the Labour Union Co-operative Retirement Fund (LUCRF Super) USI LUC0001AU (Super) and USI LUC5140AU (Pension) ABN 26 382 680 883 by the Trustee of the Fund, L.U.C....

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INVESTMENT GUIDE Investing for your future INVESTMENT GUIDE INVESTING FOR YOUR FUTURE

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Jun 30, 2019

Everything we do at Australian Super is designed to help everyday Australians achieve their best retirement. As the largest super fund in the country and one of the biggest funds in the world, our size and scale mean you have access to some of the world’s best investments. Choosing how to inve...

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BANKING AND DIGITAL FINANCE MSc BANKING AND DIGITAL FINANCE MSC

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Jun 29, 2019

The programme will focus on major practical and theoretical applications in banking and the most innovative aspects of digital banking. The programme will emphasise the analytical foundation of finance and financial products, focusing on theory and methods and making extensive use of relevant practi...

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Financing Backup Generator Upgrades with Demand Response Earnings FINANCING BACKUP GENERATOR UPGRADES WITH DEMAND RESPONSE EARNINGS

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Jun 28, 2019

One of the biggest challenges facing the grid is managing high levels of demand for electricity. When demand threatens to exceed available supply, electric utilities and grid operators need to rely on peaking power generation infrastructure, which can be expensive to operate, to prevent a power outa...

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Regional banks: transformation and growth REGIONAL BANKS: TRANSFORMATION AND GROWTH

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Jun 27, 2019

In recent years, traditional banking models have been under serious pressure from digitization.No matter how tried and tested agency models have been historically, there is little evidence to support their relevance in today’s marketplace. Digitization, which brings with it a need for more aut...

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4 Ways Supply Chain Finance Helps Private Equity Owned Companies Overcome Buyout Challenges 4 WAYS SUPPLY CHAIN FINANCE HELPS PRIVATE EQUITY OWNED COMPANIES OVERCOME BUYOUT CHALLENGES

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Jun 27, 2019

As the volume of private-equity-backed buyouts surges, so does the pressure for newly purchased companies to become high performers post-buyout. To understand these pressures is to understand the current (and complex) challenges facing private equity groups.

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Opportunity Knocks: How advisers can capitalize on growing ESG interest OPPORTUNITY KNOCKS: HOW ADVISERS CAN CAPITALIZE ON GROWING ESG INTEREST

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Jun 26, 2019

In 2019, ESG values have spread across generations and wealth groups. Advisers could do more strategically to capitalize on growing interest, however. This new research paper offers data and insights to help advisers harness the ESG opportunity. Among other topics, the research explores investor int...

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Four traits of a data-driven financial services organization FOUR TRAITS OF A DATA-DRIVEN FINANCIAL SERVICES ORGANIZATION

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Jun 26, 2019

The challenges financial services providers face today aren’t all that different than they were five to ten years ago. For banks, asset managers, capital market firms, payment processors, and insurers, the top priority remains the same finding the right strategies to drive growth, manage risk,...

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Transforming the Banking Experience: How AI and HPC from Dell Technologies and Intel are Powering the Revolution of Finance TRANSFORMING THE BANKING EXPERIENCE: HOW AI AND HPC FROM DELL TECHNOLOGIES AND INTEL ARE POWERING THE REVOLUTION OF FINANCE

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Jun 25, 2019

In this guide, learn how FSPs are meeting the demands of the changing financial services industry by adopting new digital technologies such as AI, machine learning, advanced data analytics, and more. Additionally, explore Dell technologies, and learn how Dell EMC Ready Solutions can help power your ...

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The Birkenbihl-Approach to Language Learning THE BIRKENBIHL-APPROACH TO LANGUAGE LEARNING

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Jun 24, 2019

Learners experience difficulties because even if vocabulary has been learned well, the words have been learned as individual units (e.g. “put” with several possible translations into the native tongue of learner) while now in context only one of these possibilities describes the meaning....

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DIRECTIVE CONSULTING PORTFOLIO DIRECTIVE CONSULTING PORTFOLIO

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Jun 24, 2019

We believe that data-driven marketing shouldn’t be confusing. Every company should know what works for their campaigns in order to make more ROI-driven decisions. At Directive, we not only craft customized campaigns for your unique marketing objectives - we exceed those objectives and truly re...

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ERP and AI based Accounting System ERP AND AI BASED ACCOUNTING SYSTEM

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Jun 23, 2019

24SevenOffice offers a powerful ERP system helping you structure and automate tedious and repetitive tasks for you and for your employees. Automate +50% of manual work.

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Future of Finance: Review on the outlook for the UK financial system FUTURE OF FINANCE: REVIEW ON THE OUTLOOK FOR THE UK FINANCIAL SYSTEM

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Jun 20, 2019

The Governor asked me last year to lead a review of the future of the UK’s financial system, and what it might mean for the Bank of England’s agenda, toolkit and capabilities over the coming decade. We agreed this work should be grounded in how finance serves the economy. And in turn, ho...

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THE IMPACT OF CYBERSECURITY INCIDENTS ON FINANCIAL INSTITUTIONS THE IMPACT OF CYBERSECURITY INCIDENTS ON FINANCIAL INSTITUTIONS

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Jun 20, 2019

Data breaches are an ever-increasing threat to every industry, with the number of U.S. data breach incidents tracked in 2017 hitting a new record high of 1,579 breaches. Last year posted a 44.7 percent increase over 2016’s record-breaking numbers. Of the data breaches reported last year, 8.5 p...

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ACCESS, INCLUSION AND INNOVATION: OPPORTUNITIES IN AFRICA’S VIBRANT PAYMENTS ECOSYSTEM ACCESS, INCLUSION AND INNOVATION: OPPORTUNITIES IN AFRICA’S VIBRANT PAYMENTS ECOSYSTEM

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Jun 19, 2019

Africa has the fastest-growing middle class in the world: some 313 million people - or more than a third of the continent's population - can be classified as middle class. According to the African Development Bank, this figure has doubled in less than two decades.

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STREAMLINING SPEND: THE ROLE OF FINANCE IN PUBLIC SECTOR ORGANISATIONS STREAMLINING SPEND: THE ROLE OF FINANCE IN PUBLIC SECTOR ORGANISATIONS

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Jun 19, 2019

In an era of unprecedented change and uncertainty, how can public sector organizations stay successful? In partnership with market research specialist Vanson Bourne, we asked finance leaders from the public sector and a range of other industries about their strategies for managing spend and preparin...

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Investing in (and for) Our Future INVESTING IN (AND FOR) OUR FUTURE

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Jun 13, 2019

Pension systems around the world all face a common problem – the strain put on existing promises for retirement because of increases in life expectancy. The retirement savings gap is quite large in some countries already, and on a global scale is projected to grow significantly larger1 by the ...

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Unchained Supervision in an open banking sector UNCHAINED SUPERVISION IN AN OPEN BANKING SECTOR

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Jun 12, 2019

The banking sector is becoming more open. Driven by developments such as technological innovation and changing regulations, new parties are entering the financial sector. This means a shifting playing field for incumbents. They no longer serve the entire value chain – from product development ...

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Infrastructure and Finance: Evidencefrom India INFRASTRUCTURE AND FINANCE: EVIDENCEFROM INDIA'S GQ HIGHWAY NETWORK

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Jun 11, 2019

We use the construction of Indiaís Golden Quadrangle (GQ) central highway network, together with comprehensive loan data drawn from the Reserve Bank of India, to investigate the interaction between infrastructure development and Önancial sector depth. We identify a disproportionate incre...

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WORKING CAPITAL FINANCE AS AN ASSET CLASS WORKING CAPITAL FINANCE AS AN ASSET CLASS

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Jun 11, 2019

Fintech-enhanced working capital finance is an incredibly powerful tool that helps both suppliers and buyers improve cash flow simply and efficiently. This working capital finance revolution has also created a game changing proposition for investors seeking a valuable alternative to money market fun...

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Getting the balance right How European banks can maximize their full potential in retail GETTING THE BALANCE RIGHT HOW EUROPEAN BANKS CAN MAXIMIZE THEIR FULL POTENTIAL IN RETAIL

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Jun 10, 2019

The Strategy& Retail Banking Monitor is an analysis of the leading European, North American and Australian retail banks across key performance dimensions. The 2019 edition contains a sample of about 50 retail banks and banking groups across 11 markets using data gleaned from 2018 annual reports....

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The First Global Community-Based Autonomous Crypto Trading Platform THE FIRST GLOBAL COMMUNITY-BASED AUTONOMOUS CRYPTO TRADING PLATFORM

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Jun 09, 2019

Since the birth of the blockchain technology, "communitization of business and digitization of regulation" has become trendy. As a major technological innovation that is compared to the Internet, blockchain technology has been leading a new wave of economic and organizational revolution. T...

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Artificial intelligence in banking ARTIFICIAL INTELLIGENCE IN BANKING

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Jun 04, 2019

Artificial intelligence (AI) is a significant step forward in the digitalisation and transformation of modern businesses. In short, it refers to computers’ capability to acquire and apply knowledge without programmers’ intervention. Investors are lining up to be part of the imminent chan...

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Banking On Humans BANKING ON HUMANS

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Jun 03, 2019

BANKING ON HUMANS banking as an industry is built by us, driven by us and exists to serve the humans Hence the understanding of banking has to start by understanding human needs and behavior. How human psychology shapes the Banking Industry.
I

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The Evolution of Open Banking: Adoption, Benefits and Consent THE EVOLUTION OF OPEN BANKING: ADOPTION, BENEFITS AND CONSENT

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Jun 02, 2019

To say that banking and finance is going through a period of change would be a major understatement. Shifting public perceptions of what a bank or financial institution should be and the service it should offer have met technological disruption and change to push the finance industry into becoming a...

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Personal Deposit Accounts PERSONAL DEPOSIT ACCOUNTS

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Jun 01, 2019

This booklet provides details about our Personal Deposit Accounts, additional services and applicable agreements. If you have any questions, comments or concerns, we are always available at any of our RBC Royal Bank® branches. 5 Up to 9 additional Debit Transactions per Month for each automated ...

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FINANCIAL SERVICES IN TURKEY FINANCIAL SERVICES IN TURKEY

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May 31, 2019

Banking sector dominates the Turkish financial industry, accounting for over 70 percent of overall financial services, while insurance services and other financial activities show growth potential too. There are 51 banks in Turkey (32 deposit banks, 13 development and investment banks, 6 participati...

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Delivering on the promises of Open Banking DELIVERING ON THE PROMISES OF OPEN BANKING

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May 31, 2019

Open Banking presents a systemic and far-reaching change for our industry. It has the potential to transform not only how banks operate, but how and even why consumers and businesses choose to work with them. It will also catalyse substantial service innovation. The changes haven’t quite happe...

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30 WAYS TO USE SPLUNK IN FINANCIAL SERVICES 30 WAYS TO USE SPLUNK IN FINANCIAL SERVICES

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May 31, 2019

Why is Splunk used for such a broad range of use cases? In the financial world, users normally don’t know the next question until it is time to ask it. Splunk is always ready for almost anything you throw at it. Users can design new questions, and watch the answers update in real time as new d...

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Fund Administration Outsourcing FUND ADMINISTRATION OUTSOURCING

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May 30, 2019

As the alternatives industry has matured, expectations among investors and regulators have grown, requiring General Partners to develop new capabilities and efficiencies in order to collect, manage, and report on a greater range of fund data than ever before. Once a relatively simple task, fund admi...

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How should Canada approach open banking? HOW SHOULD CANADA APPROACH OPEN BANKING?

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May 30, 2019

Open banking is poised to transform the landscape of the financial services industry. It will change how consumers engage with their banks and financial services providers, introduce new channels, and promote innovation and competition in financial products and services. Maintaining a trusted open b...

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CONSTRUCTION LOAN MONITORING WHITE PAPER CONSTRUCTION LOAN MONITORING WHITE PAPER

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May 29, 2019

Construction lending can be a high-risk investment. From contracts that fail to protect the owner’s interests, to poor quality work that diminishes the value of the collateral, the risks are varied and substantial. Competent Construction Loan Monitoring can help protect banks, lenders, and fin...

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Shadow Banking and Financial Stability under Limited Deposit Insurance SHADOW BANKING AND FINANCIAL STABILITY UNDER LIMITED DEPOSIT INSURANCE

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May 28, 2019

Shadow Banks: Financial Institutions outside the traditional banking system that issue liabilities with similar properties to bank deposits  Examples of shadow bank liabilities in the U.S. Money market mutual fund shares  (Overnight) asset backed commercial paper (Overnight) repo Shadow ba...

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The Isle of Man’s Own Cryptocurrency THE ISLE OF MAN’S OWN CRYPTOCURRENCY

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May 28, 2019

MannCoin is a decentralized community cryptocurrency specifically designed for the residents of the Isle of Man. MannCoin will be registering with the Isle of Man Financial Services Authority (IOMFSA) as a Designated Business making it fully compliant with Isle of Man Anti-Money Laundering and Count...

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Blockchain and Digital Assets News and Trends BLOCKCHAIN AND DIGITAL ASSETS NEWS AND TRENDS

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May 28, 2019

To remain competitive, companies find themselves increasing their efforts to digitally transform their businesses by developing new offerings based on emerging technologies and integrating these technologies into existing product and service offerings. This is our second monthly bulletin, aiming to ...

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Blockchain Developer BLOCKCHAIN DEVELOPER

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May 27, 2019

Welcome to the Blockchain Developer Job Kit, the best resource to learn about the skills that it takes
to become a blockchain developer. ConsenSys is a blockchain company dedicated to transforming the world’s digital architecture toward a more open, inclusive, and secure internet of val...

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MULTI-STRATEGY INCOME FUND MULTI-STRATEGY INCOME FUND

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May 26, 2019

Russell Investments uses a multi-asset approach to investing, combining asset allocation, manager
selection and dynamic portfolio management in its investment portfolios. Using this approach as a
framework for mutual fund construction, we research, monitor, hire and terminate (subject ...

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MUTUAL FUNDS and ETFSA G MUTUAL FUNDS AND ETFSA G

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May 22, 2019

American investors often turn to mutual funds and exchangetraded funds (ETFs) to save for retirement and other financial goals. Although mutual funds and ETFs have similarities, they have differences that may make one option preferable for any particular investor. This brochure explains the basics o...

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Factoring and Commercial Finance FACTORING AND COMMERCIAL FINANCE

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May 22, 2019

The European Factoring and Commercial Finance (FCF) Industry is a success story. It provides working capital to support businesses that drive the real economy in Europe. Yet it is an Industry that presently is not always fully known or wholly understood at a regulatory and legislative level. This Wh...

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Shapeshifting: a look at the evolving landscape of cross-border payments SHAPESHIFTING: A LOOK AT THE EVOLVING LANDSCAPE OF CROSS-BORDER PAYMENTS

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May 21, 2019

2019 is shaping up to be an interesting year in many aspects. The combination of regulatory changes, adoption of new technologies and increased flow of new entrants are influencing the habits and processes of businesses and consumers worldwide. Driven by increased globalism and access for both consu...

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Overview of Blockchain Technology and USBlockchain Law OVERVIEW OF BLOCKCHAIN TECHNOLOGY AND USBLOCKCHAIN LAW

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May 20, 2019

In the past decade, blockchain technology has gone mainstream. It has rapidly evolved from a few bitcoin software nodes in January 2009 to a multibillion dollar industry backed by Wall Street, Silicon Valley, and major banks. Blockchain software, which permits the maintenance of a public ledger secu...

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CONSUMER DATA RIGHT: OPEN BANKING CONSUMER DATA RIGHT: OPEN BANKING

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May 14, 2019

INNOVATION WITH SECURE OPEN APIS The financial industry is evolving to meet the expectations of
“digital-native” consumers: data privacy rights, instant transfers, seamless experiences among multiple financial institutions, and access from anywhere. Secure open APIs can help finan...

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The Future Of Banking: Will Retail Banks Trip OverTech Disruption? THE FUTURE OF BANKING: WILL RETAIL BANKS TRIP OVERTECH DISRUPTION?

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May 14, 2019

Digitalization is already transforming retail banking. In our view, the opportunities and threats for
banks from tech disruption relate to the state of technology, regulation, the banking industry's
readiness, and customer preferences. We already reflect the potential impact of tec...

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2019 Crypto Hedge Fund Report 2019 CRYPTO HEDGE FUND REPORT

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May 13, 2019

This report provides an overview of the global crypto hedge fund landscape and offers insights into quantitative elements such as liquidity terms and performance, as well as qualitative aspects such as best practice with respect to custody and governance. By sharing these insights with the broader c...

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Closing the expectation gap in audit CLOSING THE EXPECTATION GAP IN AUDIT

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May 12, 2019

ACCA (the Association of Chartered Certified Accountants) is the global body for professional accountants, offering business-relevant, first-choice qualifications to people of application, ability and ambition around the world who seek a rewarding career in accountancy, finance and management ACCA s...

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CREDIT CARD TERMS AND CONDITIONS CREDIT GUIDE INFORMATION STATEMENT CREDIT CARD TERMS AND CONDITIONS CREDIT GUIDE INFORMATION STATEMENT

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May 12, 2019

This Credit Guide will assist you, when choosing your provider of credit services. This Guide contains information about bcu’s credit products and services, remuneration, commission and other benefits, dispute resolution, what to do if you have a complaint and how to contact us. bcu has an Aus...

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The first cryptocurrency, dedicated to economic and societal development of Africa THE FIRST CRYPTOCURRENCY, DEDICATED TO ECONOMIC AND SOCIETAL DEVELOPMENT OF AFRICA

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May 10, 2019

AFRO was created in December 2016 by a group of economists, cryptocurrency experts, humanists and thinkers, who are standing at the origin of AFRO Foundation and running the project. AFRO is a non-political and neutral tool, created for and available to all the countries of the continent, and worldw...

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Provide Secure Open Banking to BetterEngage Clients and Partners PROVIDE SECURE OPEN BANKING TO BETTERENGAGE CLIENTS AND PARTNERS

whitepaper

May 08, 2019

Digitalization is essential today. Customers have become accustomed to interacting with financial providers 24/7, anywhere. And as data has become the key to growth, the strong demand for its secure use outside banks has led to Open Banking. For banks, the challenge now is to balance client expectat...

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BIORESOURCE TECHNOLOGY BIORESOURCE TECHNOLOGY

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May 07, 2019

Bioresource Technology publishes original articles, review articles, case studies and short communications on the fundamentals, applications and management of bioresource technology. The journal's aim is to advance and disseminate knowledge in all the related areas of biomass, biological waste t...

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Bitcoin Mining BITCOIN MINING

whitepaper

May 05, 2019

Where do bitcoins come from? With paper money, a government decides when to print and distribute money. Bitcoin doesn't have a central government. With Bitcoin, miners use special software to solve math problems and are issued a certain number of bitcoins in exchange. This provides a smart way t...

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Why Financial Services and Banks Need An Operational Data Layer WHY FINANCIAL SERVICES AND BANKS NEED AN OPERATIONAL DATA LAYER

whitepaper

May 05, 2019

Financial institutions are on the precipice of a major change, both externally and internally. As consumer expectations evolve and more consumers rely on mobile devices and web apps to manage their lives, banks must develop robust data management systems that serve their customers with personalized ...

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Amplify Crypto Exchanges Network AMPLIFY CRYPTO EXCHANGES NETWORK

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May 04, 2019

Amplify Exchange is a concept that was born to spur the mass adoption of cryptocurrency. Our
goal is to bridge the gap between traditional financial markets and blockchain based technologies. To accomplish this, we are building three separate but interconnected products, Amplify Brokerage, Am...

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Automated Powder Dispensing for Pharma & Biotech AUTOMATED POWDER DISPENSING FOR PHARMA & BIOTECH

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May 03, 2019

Automated Powder dispensing for pharma and biotech R&D can increase efficiency in high-throughput applications, such as screening and formulation. Dispensing small defined amounts of powder is an important step in most pharma R&D workflows, and is currently considered a bottleneck when carri...

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Loan guide for Personal and Business Banking LOAN GUIDE FOR PERSONAL AND BUSINESS BANKING

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May 03, 2019

Several factors need consideration before a new mortgage loan is raised. To some,the process and considerations from obtaining a loan offer to the disbursement of a loan are familiar. To others raising a mortgage loan will be a new experience.

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The Three Largest Cryptocurrencies THE THREE LARGEST CRYPTOCURRENCIES

whitepaper

May 01, 2019

With so much focus on bitcoin lately, we've added a new weekly update that tracks the three largest cryptocurrencies by market share: bitcoin, Ether, and Ripple. According to Wikipedia, a cryptocurrency is "a digital asset designed to work as a medium of exchange that uses cryptography to s...

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The Farm Credit System THE FARM CREDIT SYSTEM

whitepaper

Apr 30, 2019

Created by an Act of Congress (1916)  Government Sponsored Enterprise (GSE) created to support rural communities and agriculture with reliable, consistent credit and financial services  Network of cooperatives owned by its borrowers (farmers, ranchers, agricultural cooperatives and rural c...

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Deutsche Bank – Client & CreditorPresentation DEUTSCHE BANK – CLIENT & CREDITORPRESENTATION

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Apr 26, 2019

Delivered on costs and headcount targets in 2018 with further progress in Q1 2019 — Strong foundations to support 2019 targets on path to further improve profitability over time — Resilient revenues in less market sensitive businesses with volume growth and continued investments in focus...

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Merging science and art through fungi MERGING SCIENCE AND ART THROUGH FUNGI

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Apr 26, 2019

Science and art have long been studied interchangeably, with notable polymaths emerging in the Renaissance such as Leonardo da Vinci (artist, inventor, engineer and anatomist) and Alexander von Humboldt (explorer, geographer and naturalist) with his fellow investigators Johann Wolfgang von Goethe (s...

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Cryptoassets Accounting and tax CRYPTOASSETS ACCOUNTING AND TAX

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Apr 19, 2019

Digital assets or so-called cryptoassets are becoming increasingly common but what are they and how might you record them in your financial statements? With limited-scope guidance starting to emerge under IFRS® Standards, it’s key that you understand their form and substance, and the right...

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THE GLOBAL INVESTMENT OUTLOOK THE GLOBAL INVESTMENT OUTLOOK

whitepaper

Apr 19, 2019

The RBC GAM Investment Strategy Committee consists of senior investment professionals drawn from all areas of RBC GAM. The Committee regularly receives economic and capital markets related input from internal and external sources. Important guidance is provided by the Committee’s regional equi...

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Financing and investment trends FINANCING AND INVESTMENT TRENDS

whitepaper

Apr 17, 2019

This report summarises financing activity in the European wind sector from 1 January 2018 to 31 December 2018. Unless stated otherwise this includes the 28 EU Member States and the following countries: Montenegro, Norway, Russia, Serbia, Turkey and Ukraine. It includes investment figures for the con...

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Five Facts about Direct Banks FIVE FACTS ABOUT DIRECT BANKS

whitepaper

Apr 15, 2019

Have you noticed a significant uptick in the number of financial institutions that are launching direct banks? It’s not your imagination. The direct bank concept – an online and mobileonly bank – is back en vogue. In fact, FIS has empowered numerous financial institutions to launch...

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Thrive with Open Banking THRIVE WITH OPEN BANKING

whitepaper

Apr 14, 2019

Innovation in technology and the platforms driving their adoption are two sides of the same coin. Banks have the potential to be platforms connecting customers to the latest in financial technology by adopting Open Banking and connecting to the prevailing digital ecosystem. Banking APIs are the life...

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Blockchain and Cryptocurrency Courses and Consulting BLOCKCHAIN AND CRYPTOCURRENCY COURSES AND CONSULTING

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Apr 03, 2019

Cryptocurrencies, distributed ledger technology (DLT) and blockchain technology, represent a number of unique opportuniLes for improved transparency and efficiencies across mulLple industries, including financial services.

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CRISIL Mutual Fund Ranking CRISIL MUTUAL FUND RANKING

whitepaper

Mar 31, 2019

The mutual fund industry’s average assets under management (AAUM) rose 3.6% in the fourth quarter of fiscal 2019 (Q4 FY19) to Rs 24.52 trillion as against a fall of 2.8% in the preceding quarter. However, fiscal year growth of 6% was the slowest in seven years. Debt funds were the biggest drag...

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ETHICAL USE OF CUSTOMER DATA IN A DIGITAL ECONOMY ETHICAL USE OF CUSTOMER DATA IN A DIGITAL ECONOMY

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Mar 28, 2019

UK Finance is the collective voice for the banking and finance industry. Representing more than 250 firms across the industry, we act to enhance competitiveness, support customers and facilitate innovation. We work for and on behalf of our members to promote a safe, transparent and innovative bankin...

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Banking onClimate Change BANKING ONCLIMATE CHANGE

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Mar 20, 2019

This 10th edition of the Banking on Climate Change report has greatly expanded in scope. For the first time, this report totals the lending and underwriting from 33 global banks to 1,800 companies across the fossil fuel industry as a whole. Given that there is no room for new fossil fuels in the wor...

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Blockchain explained BLOCKCHAIN EXPLAINED

whitepaper

Mar 12, 2019

Blockchain technology and its myriad applications enable businesses to do things that have never been done before. The technology enables two parties to establish trust independent of a central body. While previously individuals placed trust in institutions, the underlying technology of blockchain e...

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Partnership for a trusted digital asset ecosystem PARTNERSHIP FOR A TRUSTED DIGITAL ASSET ECOSYSTEM

whitepaper

Mar 11, 2019

Broad spectrum of assets can be tokenized, e.g. financial instruments, industrial goods or real
estate. By tokenizing traditional assets, a digital representative – digital asset – with smart features
and real underlying value, is created. Digital assets need a trusted, com...

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Multi-Cloud Fundamental to Financial Services Transformation MULTI-CLOUD FUNDAMENTAL TO FINANCIAL SERVICES TRANSFORMATION

whitepaper

Mar 11, 2019

Faced with a market transforming at the hands of new, cloud-native competitors, financial services businesses are actively engaging in their own transformation. They are adopting and integrating multiple cloud platforms and seeking to derive business value directly from emerging technologies such as...

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Financial Risks Cloud Development of Argentina’s Vaca Muerta Oil and Gas Reserves FINANCIAL RISKS CLOUD DEVELOPMENT OF ARGENTINA’S VACA MUERTA OIL AND GAS RESERVES

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Mar 08, 2019

The government of Argentina and a network of regional and global oil and gas companies have combined to develop the country’s large fossil fuel reserves in an area of Northern Patagonia known as Vaca Muerta (Dead Cow). The plan is unlikely to succeed. The plan seeks to double the nation’...

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ReNew Power concludesUS$ 375 million Green Bond Issue RENEW POWER CONCLUDESUS$ 375 MILLION GREEN BOND ISSUE

whitepaper

Mar 07, 2019

ReNew Power Limited, India’s largest renewable energy Independent Power Producer (IPP)today announced that it has successfully concluded a green bond issue of US$ 375 million. The five-year non-call two notes were offered at a yield of 6.67%per annum. The bond offer has been rated as BB by Fit...

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Digital Finance and Citizen Action
In Financing the Future of Climate-smart
Infrastructur DIGITAL FINANCE AND CITIZEN ACTION IN FINANCING THE FUTURE OF CLIMATE-SMART INFRASTRUCTUR

whitepaper

Mar 05, 2019

The UN Environment Inquiry The Inquiry into the Design of a Sustainable Financial System was initiated by the United Nations Environment Programme (UN Environment) to advance options to improve the financial system’s effectiveness in mobilizing capital towards a green and inclusive economy&mda...

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SMALL BUSINESS FINANCE MARKETS SMALL BUSINESS FINANCE MARKETS

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Feb 15, 2019

Our fifth Small Business Finance Markets report provides a timely, comprehensive and impartial assessment of finance markets for smaller businesses at a moment of great significance for the UK and its economy. Combined with our experience as an active market participant, the evidence, research and i...

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2019 Capital Market Assumptions Update 2019 CAPITAL MARKET ASSUMPTIONS UPDATE

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Feb 09, 2019

At UBS, our Capital Market Assumptions (CMAs) and Strategic Asset Allocations (SAAs) are the fundamental underpinnings that inform our investment advice. The Chief Investment Office (CIO) and the Wealth Management Americas (WMA) Asset Allocation Committee (AAC) regularly review our CMAs and SAAs as ...

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Blockchain Technology & Cryptocurrencies BLOCKCHAIN TECHNOLOGY & CRYPTOCURRENCIES

whitepaper

Feb 06, 2019

Provide an overview of how blockchains work, including terminology commonly used to describe the technology  Survey the current cryptocurrency landscape Discuss ways in which clients might commonly transact in cryptoassets How virtual currencies are treated in the U.S. from a tax perspective Ad...

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JOURNAL OF BANKING & FINANCE JOURNAL OF BANKING & FINANCE

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Feb 01, 2019

The Journal of Banking and Finance (JBF) publishes theoretical and empirical research papers spanning all the major research fields in finance and banking. The aim of the Journal of Banking and Finance is to provide an outlet for the increasing flow of scholarly research concerning financial institu...

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Re-inventingfinance for a digital world RE-INVENTINGFINANCE FOR A DIGITAL WORLD

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Jan 31, 2019

Chartered Global Management Accountant (CGMA®) CGMA is the most widely held management accounting designation in the world. It distinguishes more than 150,000 accounting and finance professionals who have advanced proficiency in finance, operations, strategy and management. In the U.S., the vast...

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AI-dven Transformaon in the Insurance Industry AI-DVEN TRANSFORMAON IN THE INSURANCE INDUSTRY

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Jan 30, 2019

The Insurance industry is on the brink of complete digital transformation. Traditional business models are giving way to new paradigms like Connected Insurance, Usage-based Premiums, and Smart Underwriting. Insurance customers are seeking on-demand, personalized experiences. The types of risks being...

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PDX, a new energy-backed cryptocurrency. PDX, A NEW ENERGY-BACKED CRYPTOCURRENCY.

whitepaper

Jan 25, 2019

The PDX White Paper is intended solely to describe the PDX token (“PDX”, or “PDXCoin”) and matters related to its development and introduction into commerce. The statements contained in this White Paper are exclusively opinions and forward-looking statements, are made only as...

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Tokenization of Infrastructure: A blockchain-based solution to financing sustainable infrastructure TOKENIZATION OF INFRASTRUCTURE: A BLOCKCHAIN-BASED SOLUTION TO FINANCING SUSTAINABLE INFRASTRUCTURE

whitepaper

Jan 24, 2019

The emerging fintech solutions have demonstrated that technology and digitalization indeed have an important role to play in addressing the inherent limitations of our current financial system. The long-overdue digitalization of finance can result in better transparency, and it can lower transaction...

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Open Banking
Operational Guidelines OPEN BANKING OPERATIONAL GUIDELINES

whitepaper

Jan 24, 2019

Disclaimer: The contents of the Operational Guidelines (“OG”) and Operational Guidelines Checklist (“OG Checklist”) do not constitute legal advice. While the OG and OG Checklist have been drafted with regard to relevant regulatory provisions and best practice, they are not a ...

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BLUEPRINT OF BLOCKCHAIN PLATFORM FOR BANKING SECTOR AND BEYOND BLUEPRINT OF BLOCKCHAIN PLATFORM FOR BANKING SECTOR AND BEYOND

whitepaper

Jan 23, 2019

Information and communication technologies (ICT) have become an integral part of many businesses to such an extent where business needs drive innovations in ICT. Blockchain Technology (BCT) has been hailed as a foundational technology that has the potential to disrupt many industries. BCT has existe...

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Is Bitcoin Gold 2.0? IS BITCOIN GOLD 2.0?

whitepaper

Jan 22, 2019

A currency is measured against six prime characteristics in order to be recognised as a useful means of payment in exchange for goods or services. These are: In an effort to test the viability of bitcoin being the currency of the future, let’s compare it to gold, and test it against the six es...

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2019 Chambers Global Practice-Guide Banking and Finance 2019 CHAMBERS GLOBAL PRACTICE-GUIDE BANKING AND FINANCE

whitepaper

Jan 20, 2019

A bank is required to be licensed in terms of the Banking Act (CAP 46:04) in order to provide banking services. An applicant for a banking licence must be incorporated as a company limited by shares. Furthermore, the Bank of Botswana imposes other requirements, in relation to being a fit and proper ...

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Core Banking System Upgrade CORE BANKING SYSTEM UPGRADE

whitepaper

Jan 20, 2019

Our significant investment in this system is aimed at improving the products and services available to our customers, with a complete solution built on modern architecture and technology. We are excited for this opportunity and our Team has been working diligently over the past year to ensure a smoo...

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Cryptocurrency Anti-Money Laundering Report, 2018 Q4 CRYPTOCURRENCY ANTI-MONEY LAUNDERING REPORT, 2018 Q4

whitepaper

Jan 18, 2019

Bad actors need to launder the $US 1.7 billion of cryptocurrency stolen and scammed in 2018. Furthermore, they need to get it all done before tough new global anti-money laundering (AML) and counter terror financing (CTF) regulations go into effect over the next year. Of the $1.7 billion, hackers st...

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"Wondering about cryptocurrencies, blockchain, ICOs, STOs, and tokens? " "WONDERING ABOUT CRYPTOCURRENCIES, BLOCKCHAIN, ICOS, STOS, AND TOKENS? "

whitepaper

Jan 13, 2019

Welcome to 2019. One need only spend a little time around investor relations to realize it is a rich, fulfilling, and intellectually stimulating profession that plays a critical role within the dynamic, increasingly complex capital markets ecosystem. For nearly 50 years, investor relations professio...

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YOUR GATEWAY TO THE CRYPTO WORLD EXCELLENCE QUALITY INTEGRITY. YOUR GATEWAY TO THE CRYPTO WORLD EXCELLENCE QUALITY INTEGRITY.

whitepaper

Jan 12, 2019

Nexo delivers the World’s First Instant Crypto-backed Loans, thus resolving a crucial inefficiency for the crypto world Up to this very moment, no alternatives existed for digital asset owners to enjoy their crypto wealth except selling them The innovative model of Nexo brings to the crypto co...

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Opening the “Black Box” THE PATH TO DEPLOYMENT OF AI MODELS IN BANKING OPENING THE “BLACK BOX” THE PATH TO DEPLOYMENT OF AI MODELS IN BANKING

whitepaper

Jan 09, 2019

Emerging Trends for Model Validation in the Age of AI Recent technological advancements have accelerated the integration of AI and machine learning models into more and more banking processes. In today’s banking industry, institutions not using AI and machine learning risk losing their competi...

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Digital transformation and competition inthe financialsector DIGITAL TRANSFORMATION AND COMPETITION INTHE FINANCIALSECTOR

whitepaper

Jan 08, 2019

The digital transformation has opened up financial services marketsto new providers, both emerging businesses known as fintechs and, more recently, large technologycompanies. The latter have great disruptive potential within the competitive landscape due to their size and the characteristics of the ...

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Digital Transformations in MFI and Bank in India and Customer Owned Banks in Australia DIGITAL TRANSFORMATIONS IN MFI AND BANK IN INDIA AND CUSTOMER OWNED BANKS IN AUSTRALIA

whitepaper

Jan 08, 2019

Technology innovations and digitization are initiatives that are helping modernize and enhance financial services business models, and recent trends indicate that these are no longer the monopoly of the larger financial services institutions. Smaller financial institutions are active participants in...

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Financial Services and Credit Guide FINANCIAL SERVICES AND CREDIT GUIDE

whitepaper

Jan 06, 2019

AMP Financial Planning periodically reviews these products to ensure that they remain competitive with similar products that address similar client needs and objectives. Generally, we recommend products that are on the approved products and services list. However, if appropriate for your needs, we m...

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Compliance Monitoring for Regulators, Banks and Auditors COMPLIANCE MONITORING FOR REGULATORS, BANKS AND AUDITORS

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Dec 26, 2018

The CipherTrace Compliance Monitoring Solution monitors digital asset businesses (DABs) such as cryptocurrency exchanges and initial coin offerings (ICOs) to gauge their risk levels and risk trends. It combines easy-to-use blockchain forensic analysis and accurate attribution augmented with advanced...

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Chain-block Crypto: Spacetime Symmetrical Peer-to-Peer Marketplaces CHAIN-BLOCK CRYPTO: SPACETIME SYMMETRICAL PEER-TO-PEER MARKETPLACES

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Dec 25, 2018

Bitcoin, and the numerous other cryptocurrencies it inspired, has been a remarkable success. Even so, this paper points out that basing distributed ledgers like Bitcoin on blocks of timestamped information has some fundamental limitations that stem from the micro-structure of spacetime. Specifically...

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The True P2P Trading & Remit Platforms of the Future THE TRUE P2P TRADING & REMIT PLATFORMS OF THE FUTURE

whitepaper

Dec 25, 2018

Please read this entire section and do not take any actions until you finish it. This white paper is a summary of ZipCoin Exchange or ZIPCO Exchange; or ZipCoin Remit or ZIPCO Remit or simply known as “ZIPCO” business model, technology, and brief introduction to “ZIPCO” token...

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GLOBAL, BLOCKCHAIN-POWERED Small Business Financial Services Platform GLOBAL, BLOCKCHAIN-POWERED SMALL BUSINESS FINANCIAL SERVICES PLATFORM

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Dec 24, 2018

This whitepaper describes the initial offering through which the NEXXO TOKEN (NEXXO) is to be sold. NEXXO is a crypto token that is designed to be used for all services provided by this NEXXO PLATFORM and NEXXO’s existing exchange platforms, as explained in this whitepaper. NEXXO can also be u...

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Introduction to Cryptography in Blockchain Technology INTRODUCTION TO CRYPTOGRAPHY IN BLOCKCHAIN TECHNOLOGY

whitepaper

Dec 23, 2018

Cryptography before the modern age was synonymous to encryption the process of converting information from a readable format to something that makes no sense. Encryption techniques date back as far as the ancient Egyptians, and have roots spanning all throughout history. Blockchain technology makes ...

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ARE PENSION FUNDS A STABILISING FACTOR
IN FINANCIAL MARKETS? EVIDENCE FROM
FOUR COUNTRIES ARE PENSION FUNDS A STABILISING FACTOR IN FINANCIAL MARKETS? EVIDENCE FROM FOUR COUNTRIES

whitepaper

Dec 15, 2018

As the proportion of retirement income provided by private pensions becomes increasingly important, the quality and effectiveness of their supervision becomes more and more crucial. The IOPS Working Paper Series, launched in August 2007, highlights a range of challenges to be met in the development ...

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OPEN BANKING IN THE UK FINDING THE TIPPING POINTS OPEN BANKING IN THE UK FINDING THE TIPPING POINTS

whitepaper

Dec 12, 2018

PSD2 (the EU’s second Payment Services Directive) came into effect in January this year across Europe. The regulation was designed to create greater competition in the world of financial services by making customer data more portable and more broadly accessible, leveling the playing field for ...

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2019 Financial Services Trends & Predictions 2019 FINANCIAL SERVICES TRENDS & PREDICTIONS

whitepaper

Dec 11, 2018

The turn of the year offers a perfect opportunity to review the past 12 months and to anticipate what might happen in the year ahead. In this white paper we reflect on the past year for the global financial institution banking and payments sector, and offer some predictions of what we expect lies ah...

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Virtual Currency Regulation Review VIRTUAL CURRENCY REGULATION REVIEW

whitepaper

Dec 11, 2018

Whether Bitcoin, Ether or any other virtual currency will one day be widely and consistently in use remains uncertain. However, the virtual currency revolution has now come far enough and has endured a sufficient number of potentially fatal events that we are confident virtual currency in some form ...

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OPEN BANKING IN THE UK FINDING THE TIPPING POINTS OPEN BANKING IN THE UK FINDING THE TIPPING POINTS

whitepaper

Dec 11, 2018

PSD2 (the EU’s second Payment Services Directive) came into effect in January this year across Europe. The regulation was designed to create greater competition in the world of financial services by making customer data more portable and more broadly accessible, leveling the playing field for ...

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Banking, Finance & Investment BANKING, FINANCE & INVESTMENT

whitepaper

Dec 10, 2018

Bank and financial institutions take legal support from lawyers for security documentation for example, mortgage, hypothecation, etc and registration of the same. Specialized Financial institutions takes expert legal support for venture capital financing, equity investment, Islamic finance, oshore b...

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Data Protection & Open Banking:Experiences & Expectations DATA PROTECTION & OPEN BANKING:EXPERIENCES & EXPECTATIONS

whitepaper

Dec 10, 2018

Having introduced his extensive background in PSD2 and Open Banking, Michael went on to demonstrate that PSD2 is part of a much larger trend to open up banking and the finance community. Its goals are to enhance competition, promote customer convenience and to facilitate innovation impacting all asp...

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Hidden value stocks small caps with little or no coverage HIDDEN VALUE STOCKS SMALL CAPS WITH LITTLE OR NO COVERAGE

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Dec 07, 2018

McIntyre Partnerships is a concentrated, 130/30 fund with a goal of significant outperformance over the market cycle. The fund focuses on event driven, non-cyclical GARP, and distressed investments, with an emphasis on high-quality, predictable business models. Chris McIntyre has eleven years of inv...

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DECRYPTING CRYPTOCURRENCY TAXES DECRYPTING CRYPTOCURRENCY TAXES

whitepaper

Dec 06, 2018

In Revenue Cycle there are numerous technical applications sold on the market intended to help improve financial performance. The contracting phase usually concludes before the IT professionals get an opportunity to dig into the details. Allowing executives to engage vendors without having their IT ...

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TRANSFORMING FINANCIAL SERVICES WITH AI TRANSFORMING FINANCIAL SERVICES WITH AI

whitepaper

Dec 05, 2018

Artificial Intelligence is taking every industry by storm and financial services is not left behind. In fact, AI should naturally succeed for transforming financial services industry as both heavily relies on historical data. Most of the decisions in financial businesses are taken based on book keep...

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Should the Central Bank Issue E-money? SHOULD THE CENTRAL BANK ISSUE E-MONEY?

whitepaper

Dec 04, 2018

Should a central bank take over the provision of e-money, a circulable electronic liability? We discuss how e-money technology changes the trade-off between public and private provision, and the tradeoff between e-money and a central bank's existing liabilities like bank notes and reserves. The ...

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Digital Engineering: Top Three Imperatives for Banks and Financial Services Companies DIGITAL ENGINEERING: TOP THREE IMPERATIVES FOR BANKS AND FINANCIAL SERVICES COMPANIES

whitepaper

Dec 04, 2018

Struggling to grow market share amid increased fintech pressure, banking and financial services organizations need a blueprint for building modern digital capabilities from the get-go — while significantly reducing legacy technical debt and accelerating data center cost-cutting via cloud migra...

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FinTech: A Glimpse into the Future of the Financial Sector FINTECH: A GLIMPSE INTO THE FUTURE OF THE FINANCIAL SECTOR

whitepaper

Dec 04, 2018

The term “FinTech” – short for “Financial Technology” – covered many headlines of reports and analyses on the financial sector in recent years. It deals with technologically improved applications, processes, products, and services of the financial industry reachin...

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Digital and Data Trends Disrupting Financial Services DIGITAL AND DATA TRENDS DISRUPTING FINANCIAL SERVICES

whitepaper

Dec 03, 2018

The Wall Street Journal reports “falling foot traffic at banks,” and Forbes writes that end users would rather deal with smartphones than tellers. The problem is easy access to money without the need to fight traffic or wait in line - and people are taking full advantage of their options...

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The Present and Future of Bank On Account Data THE PRESENT AND FUTURE OF BANK ON ACCOUNT DATA

whitepaper

Dec 03, 2018

Nearly 27 percent of U.S. households are unbanked and underbanked, which significantly constrains their ability to save reliably, access credit, and achieve other important financial goals. While past financial education and literacy efforts have raised awareness of these issues, there is mixed evid...

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Championing sustainable and innovative finance for development CHAMPIONING SUSTAINABLE AND INNOVATIVE FINANCE FOR DEVELOPMENT

whitepaper

Nov 29, 2018

Acknowledgements This Theory of Change was prepared by the TCX staff team with close consultation and suggestions from Dr. Judith Tyson and Ms. Anna Buffardi from ODI. The views expressed in this publication are those of the TCX staff and do not necessarily represent the views of ODI.

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Implementation and Effects of the G20 Financial Regulatory Reforms IMPLEMENTATION AND EFFECTS OF THE G20 FINANCIAL REGULATORY REFORMS

whitepaper

Nov 28, 2018

The Financial Stability Board (FSB) is established to coordinate at the international level the work of national financial authorities and international standard-setting bodies in order to develop and promote the implementation of effective regulatory, supervisory and other financial sector policies...

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Cyberthreats to financial institutions 2019: OVERVIEW AND PREDICTIONS CYBERTHREATS TO FINANCIAL INSTITUTIONS 2019: OVERVIEW AND PREDICTIONS

whitepaper

Nov 28, 2018

The past year has been extremely eventful in terms of the digital threats faced by financial institutions: cybercrime groups have used new infiltration techniques, and the geography of attacks has become more extensive. Despite this, let’s start the review with a positive trend: in 2018 police...

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Binance Coin Market Research BINANCE COIN MARKET RESEARCH

whitepaper

Nov 28, 2018

Of the thousands of ICOs witnessed in 2017, BNB was one of the most successful by far. Not only did Binace manage to successfully execute this new type of crypto fnancing, but they went on to use the funds raised to build an extremely successful crypto exchange. This is a prime example of new age to...

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PRINCIPLES FOR RESPONSIBLE BANKING SHAPING OUR FUTURE PRINCIPLES FOR RESPONSIBLE BANKING SHAPING OUR FUTURE

whitepaper

Nov 27, 2018

This Document presents the Principles for Responsible Banking for a six-month public consultation with banks and stakeholders. The Principles for Responsible Banking have been developed by 28 banks from five continents, jointly representing more than USD 17 trillion in assets, on behalf of the wider...

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REINVENTING CLIMATE FINANCE REINVENTING CLIMATE FINANCE

whitepaper

Nov 21, 2018

ACKNOWLEDGMENTS The authors thank the following individuals/ organizations for offering their insights and perspectives on this work. Jessica Brown, ClimateWorks Foundation Barbara Buchner, Climate Policy Initiative Koben Calhoun, Rocky Mountain Institute Kieran Coleman, Rocky Mountain Institute Jac...

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Top-10 Trends in Retail Banking: 2019 TOP-10 TRENDS IN RETAIL BANKING: 2019

whitepaper

Nov 21, 2018

Over the past few years, the banking industry has evolved by leaps and bounds. Aggressive competition and regulatory pressures have always challenged banks, but new competition from FinTechs and non-financial services firms.

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UnderstandingXRP Digital Currency Holdings UNDERSTANDINGXRP DIGITAL CURRENCY HOLDINGS

whitepaper

Nov 21, 2018

RippleNet is a global payment system for Corporates, SMEs, Small banks and payment providers. It boasts of reducing fees, transaction time and reduces the need for Nostro Accounts to transfer money across borders. It is currently working with Santander, Bank of America, UBS, American Express, RBC an...

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MULTILATERAL DEVELOPMENT BANK BONDS MULTILATERAL DEVELOPMENT BANK BONDS

whitepaper

Nov 20, 2018

Solactive and UBS launched the Solactive UBS Global Multilateral Development Bank Index Family, a family of benchmarks targeting the bonds issued by Multilateral Development Banks, such as the Asian Development Bank and the International Bank for Reconstruction& Development. The family focuses o...

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NEW AND IMPROVED MOBILE AND ONLINE BANKING NEW AND IMPROVED MOBILE AND ONLINE BANKING

whitepaper

Nov 16, 2018

Connect all your deposit and loan accounts, even ones from other banks and credit unions, and get a full view of your finances at any time. New customizable options let you organize your dashboard and nickname and color-code your accounts to help you stay on top of your finances and get your banking...

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CRYPTOCURRENCY:FACTS AND FICTION CRYPTOCURRENCY:FACTS AND FICTION

whitepaper

Nov 15, 2018

Cryptocurrencies are driven by speculation (supply and demand) and have no intrinsic value. Blockchain is a game changing technology with real-world applications. Invest in companies in the business of Blockchain, not cryptocurrency. Cryptocurrency facts takes a simplified look at digital currencies...

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EXPLORING NATURAL CAPITAL OPPORTUNITIES, RISKS AND EXPOSURE EXPLORING NATURAL CAPITAL OPPORTUNITIES, RISKS AND EXPOSURE

whitepaper

Nov 13, 2018

Natural capital is a way of thinking about nature as a stock that provides a flow of benefits to people and the economy. It consists of natural capital assets, such as water, forests and clean air that provide humans with the means for healthy lives and enable economic activity. The goods and servic...

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The Rise of AI in Financial Services THE RISE OF AI IN FINANCIAL SERVICES

whitepaper

Nov 13, 2018

As pressure mounts due to factors like rising regulatory requirements, competition from new market entrants, heightened expectations from consumers, increasingly sophisticated digital threats, the financial services industry is expanding its use of artificial intelligence (AI) technologies. Everythi...

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FINANCE FOR A REGENERATIVE WORLD FINANCE FOR A REGENERATIVE WORLD

whitepaper

Nov 11, 2018

While central banks pulled out all the stops to protect the banking system, society’s tepid response to the 2008 financial crisis—both during and after—was a missed opportunity of massive proportions. We can now say, without being accused of hyperbole,that the power of finance ideo...

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RETHINKING IMPACT TO FINANCE THE SDGs RETHINKING IMPACT TO FINANCE THE SDGS

whitepaper

Nov 10, 2018

Investment needs for the SDGs are huge, with the bulk in developing countries and their infrastructure. The scale of current financial flows is insufficient: private finance is constrained by risk and return requirements, while public finance is in scarce supply. If the resulting financing gap remai...

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Trade Secrets in the Financial Services Industry TRADE SECRETS IN THE FINANCIAL SERVICES INDUSTRY

whitepaper

Nov 09, 2018

As one of the leading labor and employment law firms in the United States, Seyfarth Shaw LLP understands the risks and challenges financial institutions face with respect to protecting confidential information and client relationships. Consequently, Seyfarth has spent the last 60 years working with ...

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How to provide liquidity to banks after resolution in Europe’s banking union HOW TO PROVIDE LIQUIDITY TO BANKS AFTER RESOLUTION IN EUROPE’S BANKING UNION

whitepaper

Nov 06, 2018

Banks deemed to be failing or likely to fail in the banking union are either put into insolvency/liquidation or enter a resolution scheme to protect the public interest. After resolution but before full market confidence is restored, the liquidity needs of resolved banks might exceed what can be met...

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Blockchain and Banking BLOCKCHAIN AND BANKING

whitepaper

Nov 01, 2018

Blockchain is a technology that uses distributed databases, math and cryptography to record transactions. Think of it as a system composed of many giant accounting ledger databases all synced with identical transaction information. Each new financial transaction gets copied or stacked in sequence li...

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FINANCIAL TECHNOLOGY Ensuring diverse, stable and reliable financial services for all FINANCIAL TECHNOLOGY ENSURING DIVERSE, STABLE AND RELIABLE FINANCIAL SERVICES FOR ALL

whitepaper

Nov 01, 2018

Technology is an irreplaceable asset in the business of finance. For centuries, banks have continually found new ways to create better customer experiences and streamline operational processes along many business lines. Banks have become both a provider of technology as well as a user, integrating a...

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Global Climate Finance GLOBAL CLIMATE FINANCE

whitepaper

Nov 01, 2018

Climate finance continues to be the central issue in how the global community proposes to follow through with implementation of the Paris Agreement. This is appropriate in the context of the last IPCC report showing a USD 1.6-3.8 trillion energy system investment requirement to keep warming within a...

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Innovation inRetail Banking INNOVATION INRETAIL BANKING

whitepaper

Oct 30, 2018

All rights reserved.2Innovation in banking is not universal, with many organizations needing to create a culture that will embrace the change that is occurring in the marketplace, take qualified risks, and be willing to disrupt current business models to succeed Efma and Infosys Finacle are proud to...

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Cloud-Enabled Core Banking CLOUD-ENABLED CORE BANKING

whitepaper

Oct 30, 2018

The time is now for banks to capitalize on the many benefits that can be achieved by running Core banking solutions in the cloud. This white paper explains why. Topics include recent increased confidence in cloud strategies; a definition of what cloud-based core banking means; reasons/use cases for ...

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The Future of Financial Stability and Cyber Risk THE FUTURE OF FINANCIAL STABILITY AND CYBER RISK

whitepaper

Oct 30, 2018

Cyber risks pose unique threats to financial stability that are not well understood or managed, despite growing investment in research and dependence by financial institutions, consumers, and governments on cyber technologies. This paper considers the ways in which cyber risks differ from traditiona...

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USING INTELLECTUAL PROPERTY TO ACCESS GROWTH FUNDING USING INTELLECTUAL PROPERTY TO ACCESS GROWTH FUNDING

whitepaper

Oct 29, 2018

Key to this success, in a modern and rapidly evolving global economy, is making the most from your intangible assets including your intellectual property (‘IP’). Businesses that are IP rich increasingly rely on these assets to access and secure funding in order to grow. But for many this...

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Herding and Feedback Trading in Cryptocurrency Markets HERDING AND FEEDBACK TRADING IN CRYPTOCURRENCY MARKETS

whitepaper

Oct 24, 2018

Building on behavioral operational research (BOR) and behavioral finance literatures, this paper examines the extent to which herding and feedback trading behaviors drive price dynamics in nine cryptocurrency markets. Using sample price data from Bitcoin, Ethereum, XRP, Bitcoin Cash, EOS, Litecoin, ...

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Open Banking A platform-based business
approach that came to stay OPEN BANKING A PLATFORM-BASED BUSINESS APPROACH THAT CAME TO STAY

whitepaper

Oct 17, 2018

Open Banking is ubiquitous and a trend that has come to stay. At the same time, it has recently become quite a buzzword. It is therefore worth providing in this point of view a short definition of the term as we understand it

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Technology, talent and trust
The state of global wholesale banking TECHNOLOGY, TALENT AND TRUST THE STATE OF GLOBAL WHOLESALE BANKING

whitepaper

Oct 14, 2018

How are political uncertainty, the rise of digitisation and automation, and the career aspirations of millennials changing wholesale banking? What exactly is changing and, just as importantly, what is not? For this White Paper, we asked 50 industry leaders based around the world to share their insig...

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Technological Change and Financial Innovation in Banking: Some Implications for Fintech TECHNOLOGICAL CHANGE AND FINANCIAL INNOVATION IN BANKING: SOME IMPLICATIONS FOR FINTECH

whitepaper

Oct 11, 2018

Financial intermediation has changed dramatically over the past 30 years, due in large part to technological change. The paper first describes the role of the financial system in a modern economy and how technological change and financial innovation can affect social welfare. We then survey the empi...

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Artificial Intelligence Effects on the Financial Services Sector ARTIFICIAL INTELLIGENCE EFFECTS ON THE FINANCIAL SERVICES SECTOR

whitepaper

Oct 10, 2018

Artificial Intelligence (AI) refers to technologies capable of performing tasks that normally require human intelligence. AI applications such as video suggestions, product recommendations, spam filters and navigation systems have already become part of our day-to-day lives. Machine Learning and Nat...

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Open Banking Embracing the new banking paradigm OPEN BANKING EMBRACING THE NEW BANKING PARADIGM

whitepaper

Oct 05, 2018

Customer-centricity is a term that has been around banking for years. However, the flood of new entrants into the banking market is a tell-tale sign of an old problem; major banks are still not addressing customers’ needs and building trusting relationships. The gap between customer expectatio...

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Regulation driving banking transformation REGULATION DRIVING BANKING TRANSFORMATION

whitepaper

Oct 05, 2018

Technology is fundamentally altering our behaviour. Growing up, I was taught never to get into a car with a stranger. Today, I don’t think twice about using an app to actively request a lift from one. The success of Uber, Lyft, Didi and others suggests I am not the only one Technology provides...

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What finance for what growth? WHAT FINANCE FOR WHAT GROWTH?

whitepaper

Oct 05, 2018

A collection of recent thought-provoking facts and findings on the relationship between finance and growth to feed the debate. Since the financial crisis, the links between banks and growth are being re-examined. This factsheet looks at recent findings to ask which bank activities could best help th...

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Driving Sales Behavior With Non-Cash Rewards DRIVING SALES BEHAVIOR WITH NON-CASH REWARDS

whitepaper

Oct 03, 2018

In the end, you need to be rewarding your sales reps with more than just money if you want to keep them motivated and if you want your sales compensation plan to deliver on its promises.

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Change the sales rep experience, improve the customer experience CHANGE THE SALES REP EXPERIENCE, IMPROVE THE CUSTOMER EXPERIENCE

whitepaper

Oct 03, 2018

The first CRM launch truly changed the way sales were managed. We went from tracking customers on spreadsheets (and even in rolodexes) to tracking them and their attendant opportunities with software. It wasn’t long before reps started to feel the purpose of a CRM was more about preserving the...

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Pipeline Management and Forecasting Are Key to Improving the Sales Experience PIPELINE MANAGEMENT AND FORECASTING ARE KEY TO IMPROVING THE SALES EXPERIENCE

whitepaper

Oct 03, 2018

Let’s explore some of the current processes around pipeline management and forecasting and how they can be improved.

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Crypto Research Report CRYPTO RESEARCH REPORT

whitepaper

Oct 01, 2018

This publication is for information purposes only and represents neither investment advice, nor an investment analysis or an invitation to buy or sell financial instruments. Specifically, the document does not serve as a substitute for individual investment or other advice. The statements contained ...

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BONDS AND CLIMATE CHANGE THE STATE OF THE MARKET BONDS AND CLIMATE CHANGE THE STATE OF THE MARKET

whitepaper

Sep 24, 2018

The first part of this report presents the findings of Climate Bonds Initiative’s research of climate-aligned issuers, conducted between April and June 2018. It identifies issuers who generate at least 75% of their revenues from ‘green’ business: lowcarbon transport, clean energy, ...

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FINTECH FOR FINANCIAL INCLUSION: A FRAMEWORK FOR DIGITAL FINANCIAL TRANSFORMATION FINTECH FOR FINANCIAL INCLUSION: A FRAMEWORK FOR DIGITAL FINANCIAL TRANSFORMATION

whitepaper

Sep 24, 2018

This report was commissioned by the Alliance for Financial Inclusion (AFI). AFI expresses its thanks to the lead authors of the report: Douglas W. Arner (Kerry Holdings Professor in Law, University of Hong Kong), Ross P. Buckley (KPMG Law – King & Wood Mallesons Professor of Innovative Dis...

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World Retail Banking Report 2018 WORLD RETAIL BANKING REPORT 2018

whitepaper

Sep 20, 2018

As FinTech firms target key aspects of the banking value chain creating disintermediation, banks are seeking to play a central role in today’s evolving digital ecosystems to remain relevant while delivering superior customer experience. This year’s report explores customer experience glo...

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CRYPTOCURRENCY EXCHANGE TRADING PLATFORM CRYPTOCURRENCY EXCHANGE TRADING PLATFORM

whitepaper

Sep 19, 2018

Each owner of the crypto-currency would like to increase the number of his coins regardless of their price, but many of us have repeatedly faced the losses when trying to earn. Volatility sometimes pushes us to rash decisions. Analytics and common sense leave us, and we fail, losing a vast majority ...

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Trends in Banking Modernization TRENDS IN BANKING MODERNIZATION

whitepaper

Sep 15, 2018

This white paper highlights banking modernization trends that FIS™ is exposed to across all of our varying banking clients. These trends are the catalyst for banks to pursue targeted modernization strategies. We will explore how componentized strategies for core banking transformation enable b...

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Betterment’s Consumer Financial Perspectives Report: 10 Years After the Crash BETTERMENT’S CONSUMER FINANCIAL PERSPECTIVES REPORT: 10 YEARS AFTER THE CRASH

whitepaper

Sep 11, 2018

It’s been 10 years since the collapse of Lehman Brothers triggered a chain reaction that produced a major recession. In 2008 after decades of steady upward growth in the economy and asset prices, America suddenly faced the worst financial crisis in 70 years. Starting in October of 2007 the S&a...

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FINTECH FOR FINANCIAL INCLUSION: A FRAMEWORK FOR DIGITAL FINANCIAL TRANSFORMATION FINTECH FOR FINANCIAL INCLUSION: A FRAMEWORK FOR DIGITAL FINANCIAL TRANSFORMATION

whitepaper

Sep 09, 2018

The full potential of FinTech for financial inclusion may be realized with a strategic framework of underlying infrastructure and an enabling policy and regulatory environment to support digital financial transformation. Drawing from experiences in a range of developing, emerging and developed count...

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Scaling Up Finance for Sustainable Development SCALING UP FINANCE FOR SUSTAINABLE DEVELOPMENT

whitepaper

Sep 06, 2018

Creative Commons Attribution Non Commercial No Derivatives 3.0 Since this publication is meant for nonprofit, research and educational purposes, you are welcome to reproduce it provided the source is acknowledged. We will appreciate if a copy of reproduced materials is sent to us. Photos courtesy of...

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THE ILLICIT CRYPTOCURRENCY MINING THREAT THE ILLICIT CRYPTOCURRENCY MINING THREAT

whitepaper

Sep 05, 2018

Illicit cryptocurrency mining has increased significantly in just a few months. This activity poses both a short- and long-term threat to individuals and enterprises. This threat is not victimless or harmless, so individuals and organizations should take steps to protect their systems. This report l...

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THE COMPLETE CRYPTOCURRENCY PLATFORM THE COMPLETE CRYPTOCURRENCY PLATFORM

whitepaper

Sep 03, 2018

Blockchain and cryptocurrency are in their infancy stages and promise to reshape the way finances are spent and transferred globally. The invention and implementation of new processes, services and products will bring these ideas mainstream and will eventually replace money as we know it today. Alth...

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Blockchain and Cryptocurrency Regulation 2019 BLOCKCHAIN AND CRYPTOCURRENCY REGULATION 2019

whitepaper

Sep 02, 2018

There is no specific c cryptocurrency regulation in Ireland, but there is also no specific c prohibition in Ireland on any activities related to cryptocurrency. The CBI is the competent authority in Ireland for the regulation of financial services including electronic money, payment services and sec...

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Technology in financial services TECHNOLOGY IN FINANCIAL SERVICES

whitepaper

Sep 01, 2018

The financial services landscape in South Africa is highly competitive with a few major players dominating and competing for market share. Banking and insurance products and services are important to all consumers and businesses in some form, therefore this industry is one of the largest, most innov...

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Financial Regulation challenged by European Trade Policy FINANCIAL REGULATION CHALLENGED BY EUROPEAN TRADE POLICY

whitepaper

Sep 01, 2018

Financial regulation and stability are directly affected by European trade policy and the proliferation of agreements negotiated with the world’s major economies. These so-called “new generation” trade agreements seek to increase exchanges between geographical regions whose economi...

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The Mortgage Revolution Starts Here! THE MORTGAGE REVOLUTION STARTS HERE!

whitepaper

Aug 30, 2018

A type of mortgage in which a homeowner can borrow money against the value of their home No repayment of the mortgage (principal or interest) is required. Borrower must maintain homeowners insurance, property taxes and any home owners association dues. A Home Equity Conversion Mortgage for Purchase ...

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How a Digital Asset Management System can save you money HOW A DIGITAL ASSET MANAGEMENT SYSTEM CAN SAVE YOU MONEY

whitepaper

Aug 29, 2018

When looking to invest in a Digital Asset Management (DAM) system, the question often arises “How can a Digital Asset Management system save money?” A question mostly asked (sometimes with more seriousness) when the upfront investment seems costly.

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Cryptocurrencies: Getting Serious About Financial Crime Risk Management CRYPTOCURRENCIES: GETTING SERIOUS ABOUT FINANCIAL CRIME RISK MANAGEMENT

whitepaper

Aug 20, 2018

In addition to assessing these general risk categories, crypto businesses should think carefully about the money laundering and terrorist financing risks that their specific offerings present. For example, whether they provide an online exchange service, a crypto ATM network or crypto prepaid cards,...

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Financial Inclusion for Women: A Way Forward FINANCIAL INCLUSION FOR WOMEN: A WAY FORWARD

whitepaper

Aug 15, 2018

The Financial Inclusion agenda continues to be on the rise, as demonstrated by the much awaited 2017 data set recently published by the World Bank, Global Findex.multiplicity of actors at the global and national level contributed to closing the gap in access to finance, advancing from a staggering 4...

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THE F5 CRYPTO CAPITAL THE F5 CRYPTO CAPITAL

whitepaper

Aug 15, 2018

The universe of cryptocurrencies, led by Bitcoin, is developing at a breath taking pace. We believe this new infrastructure is catalyzing a gigantic value creation. Part of the newly created value will be reflected in the valuation of the underlying cryptocurrencies. However, participating in this n...

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Digital transformation in MFI & Banks in India and customer owned Banks in Australia DIGITAL TRANSFORMATION IN MFI & BANKS IN INDIA AND CUSTOMER OWNED BANKS IN AUSTRALIA

whitepaper

Aug 14, 2018

Technology innovations and digitization are initiatives that are helping modernize and enhance financial services business models, and recent trends indicate that these are no longer the monopoly of the larger financial services institutions. Smaller financial institutions are active participants in...

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BLOCKCHAIN BACKED LOANS BLOCKCHAIN BACKED LOANS

whitepaper

Aug 12, 2018

SALT is a membership-based lending and borrowing network that allows users to leverage their blockchain assets to secure cash loans. Our Secured Automated Lending Technology is a protocol and asset agnostic architecture designed to adapt to the constantly growing class of blockchain assets. The syst...

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RIPPLE (XRP) ANALYST REPORT RIPPLE (XRP) ANALYST REPORT

whitepaper

Aug 08, 2018

Ripple presents an opportunity for investors through buying and holding its digital currency, called XRP, which is freely available on many digital currency exchanges. The opportunities for XRP to increase in value are significant, as it is built on the “Ripple network,” a technology to ...

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THE IMPERIALISM OF FINANCE CAPITAL AND ‘TRADE WARS’ THE IMPERIALISM OF FINANCE CAPITAL AND ‘TRADE WARS’

whitepaper

Aug 07, 2018

Donald Trump is a mercurial world leader. He seems to disdain the old order, the mechanisms of globalization set up with great care by the imperialist bloc after the fall of the USSR and the Third World Project. On his second day in office, Trump signed an executive order to renegotiate the North Am...

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Emerging Trends in Digital Banking EMERGING TRENDS IN DIGITAL BANKING

whitepaper

Aug 07, 2018

Digital banking or Digitalization of a bank has radically altered the landscape of banking in the last few years. Digital technologies which were initially limited to banking channels, now encompass the entire banking spectrum. So, whether it is back-end operations or customer facing channels, digit...

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Are You Trading Stocks Securely Exposing Security Flaws in Trading Technologies ARE YOU TRADING STOCKS SECURELY EXPOSING SECURITY FLAWS IN TRADING TECHNOLOGIES

whitepaper

Aug 04, 2018

The advent of electronic trading platforms and networks has made exchanging financial securities easier and faster than ever; but this comes with inherent risks. Investing in money markets is no longer limited to the rich. With as little as $10, anyone can start trading stocks from a mobile phone, d...

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Instantly owning a diverse cryptocurrency portfolio is now as easy as holding a single collateralized token. INSTANTLY OWNING A DIVERSE CRYPTOCURRENCY PORTFOLIO IS NOW AS EASY AS HOLDING A SINGLE COLLATERALIZED TOKEN.

whitepaper

Aug 02, 2018

Blockchain Investments issues tokens built on a profit-sharing smart contract. The company is proud to introduce the Token-As-A-Fund business model, which allows investors to subscribe to the fund’s income stream. To monitor the current reserves of the fund and the fund’s value, a self-c...

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How Do Banks Interact with Fintechs? Forms of Alliances and their Impact on Bank Value HOW DO BANKS INTERACT WITH FINTECHS? FORMS OF ALLIANCES AND THEIR IMPACT ON BANK VALUE

whitepaper

Jul 30, 2018

The increasing pervasiveness of technology-driven firms that offer banking services has led to a growing pressure on traditional banks to modernize their core business activities. Banks attempt to confront the challenges of digitalization by cooperating with financial technology firms (fintechs) in ...

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Incentive Compensation Management: Build Versus Buy INCENTIVE COMPENSATION MANAGEMENT: BUILD VERSUS BUY

whitepaper

Jul 23, 2018

Custom ICM solutions are built for you, not auditors, so they typically don’t offer visibility into actions performed over time. Auditors may lack confidence in your homegrown system, especially if they find errors or omissions. In fact, audit risk from errors and overpayments is often the mos...

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The Three “S’s” of a Great Incentive Compensation Management System THE THREE “S’S” OF A GREAT INCENTIVE COMPENSATION MANAGEMENT SYSTEM

whitepaper

Jul 23, 2018

It all ties together. You want your sales reps to behave a certain way and close a certain amount of deals in specific verticals that match your company’s 3- and/or 5-year vision, but the systems you currently have in place to drive this behavior are not working for any number of reasons. Most...

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Why Enterprise CPQ Implementations Fail WHY ENTERPRISE CPQ IMPLEMENTATIONS FAIL

whitepaper

Jul 23, 2018

You’ve reached a certain point in the evolution of your company and you know it’s time to invest in a CPQ system. But buyer beware: There’s a certain misconception around CPQ systems as being plug-in devices or turnkey-ready overlays of your existing infrastructure, or a simple app...

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Moving Away from Spreadsheets: How to Know When It’s Time MOVING AWAY FROM SPREADSHEETS: HOW TO KNOW WHEN IT’S TIME

whitepaper

Jul 23, 2018

The spreadsheet conundrum... Joe Smith, sales director for Great Start-Up Number 5 Billion and Thirty-One, puts on a blindfold and reaches out blindly for something, ANYTHING, to help him organize his team’s deals and commissions. He’s hopeful. He’s waiting. He knows he’ll co...

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Accelerating digitaltransformation in banking ACCELERATING DIGITALTRANSFORMATION IN BANKING

whitepaper

Jul 16, 2018

THE BANKING INDUSTRY is in a digital arms race. In 2018, banks globally plan to invest US$9.7 billion to enhance their digital banking capabilities in the front office alone.1 For many retail banks, online and mobile channels have become as important—if not more important—than branches a...

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Cryptocurrency: Financial reporting implications CRYPTOCURRENCY: FINANCIAL REPORTING IMPLICATIONS

whitepaper

Jul 13, 2018

Cryptocurrencies have attracted the attention of many. From individuals who are interested in Blockchain and related processing activities or who want to invest in them, to retailers, corporate investors and investment funds, securities regulators, the banking sector, the accounting profession and G...

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Interest rate benchmark reform – overnight risk-free rates and term rates INTEREST RATE BENCHMARK REFORM – OVERNIGHT RISK-FREE RATES AND TERM RATES

whitepaper

Jul 12, 2018

The Financial Stability Board (FSB) is established to coordinate at the international level the work of national financial authorities and international standard-setting bodies in order to develop and promote the implementation of effective regulatory, supervisory and other financial sector policies...

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Case Study How Automation Helped Cut Commercial Loan Booking Time in Half CASE STUDY HOW AUTOMATION HELPED CUT COMMERCIAL LOAN BOOKING TIME IN HALF

whitepaper

Jul 11, 2018

For years, the bank’s commercial loan booking team was unable to comply with SOX regulations. The loan booking process was highly manual, requiring analysts to key 80+ data fields into a system. Despite rigorous coded quality controls, the process was slow and prone to error. The bank implemen...

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The Financial Casefor Fossil Fuel Divestment THE FINANCIAL CASEFOR FOSSIL FUEL DIVESTMENT

whitepaper

Jul 10, 2018

A diverse group of stakeholders —mainstream and “sustainable” investors, shareholder activists, environmental groups, students, and politicians —are grappling with the questionof why institutional funds remaininvested in fossil fuels and how divestment can be achieved in a ma...

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THE ADVANCED ACCOUNTING LEDGER ON THE BLOCKCHAIN THE ADVANCED ACCOUNTING LEDGER ON THE BLOCKCHAIN

whitepaper

Jul 10, 2018

There are countless cases of auditing fraud globally, occurring in different firms, in different industries. As the current system in the industry has serious defects related to conflicts of interest and the issue of trust, a better system needs to be found. For these issues, it could be said that B...

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The Impact of Blockchain Technology on Finance: A Catalyst for Change THE IMPACT OF BLOCKCHAIN TECHNOLOGY ON FINANCE: A CATALYST FOR CHANGE

whitepaper

Jul 09, 2018

Blockchain technology though still young and facing technical, commercial and regulatory challenges has the potential to change many aspects of the financial services sector and the broader economy. New ways to intermediate capital and risk are emerging, providing a catalyst for change to incumbent ...

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Power and Utilities Accounting, Financial Reporting, and Tax Research Guide POWER AND UTILITIES ACCOUNTING, FINANCIAL REPORTING, AND TAX RESEARCH GUIDE

whitepaper

Jul 06, 2018

This publication contains general information only and Deloitte is not, by means of this publication, rendering accounting, business, financial, investment, legal, tax, or other professional advice or services. This publication is not a substitute for such professional advice or services, nor should...

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Is blockchain the missing piece to financial inclusion? IS BLOCKCHAIN THE MISSING PIECE TO FINANCIAL INCLUSION?

whitepaper

Jul 05, 2018

The World Bank estimates that over two billion adults worldwide don’t have a basic bank account,
excluding them from the financial tools they need to facilitate in everyday life, to guard against risk,
and to invest in their futures. Microfinance institutions (MFIs) in the fronti...

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Open Banking Report on Findings and Resolutions OPEN BANKING REPORT ON FINDINGS AND RESOLUTIONS

whitepaper

Jul 05, 2018

On May 7th, Canada 2020 convened a five-hour policy lab on Open Banking – an idea proposed in Budget 2018 by Finance Minister Bill Morneau. Open Banking has the potential to radically transform the banking sector by increasing consumers’ access to their financial data across platforms an...

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Blockchain and Cryptocurrency Advisory for Family Offices, Institutional Investors and Wealth Funds. BLOCKCHAIN AND CRYPTOCURRENCY ADVISORY FOR FAMILY OFFICES, INSTITUTIONAL INVESTORS AND WEALTH FUNDS.

whitepaper

Jul 04, 2018

We are a crypto focused venture business and we invest our own capital in the projects that deliver social impact at scale. The team have many decades of experience in creating and building technology businesses, have a background in computer science have been involved in Blockchain since 2012.Tradi...

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The First Tokenized SMARTER THAN BETA Cryptocurrency Portfolio THE FIRST TOKENIZED SMARTER THAN BETA CRYPTOCURRENCY PORTFOLIO

whitepaper

Jun 25, 2018

The benefits are simple and many: convenience, no broker fees, no exit fees, full transparency, full control and a lower price bound. There is no need to keep your SMARTER THAN CRYPTO tokens on a centralized platform and you are free to sell or exchange your tokens without restriction. Automation al...

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Crypto Police Version 2.0.1 CRYPTO POLICE VERSION 2.0.1

whitepaper

Jun 25, 2018

The emergence of CryptoPolice is a consequence of both the necessity of solving topical issues related to fraud on the Internet and of the emergence of the blockchain technology that allows implementing such a project in a way that can be as useful as possible to society. Owing to the possibility of...

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Central Banking for All: A Public Option for Bank Accounts CENTRAL BANKING FOR ALL: A PUBLIC OPTION FOR BANK ACCOUNTS

whitepaper

Jun 20, 2018

Among the perks of being a bank is the privilege of holding an account with the central bank. Unavailable to individuals and nonbank businesses, central bank accounts pay higher interest than ordinary bank accounts. Payments between these accounts clear instantly; banks needn’t wait days or ev...

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WHOSE CUSTOMER ARE YOU? THE REALITY OF DIGITAL BANKING WHOSE CUSTOMER ARE YOU? THE REALITY OF DIGITAL BANKING

whitepaper

Jun 20, 2018

The future of banking is digital, but the human touch will remain essential in attracting new customers for loans and complex investment products. Stakeholders must co-operate like never before to deliver the user experience customers want while keeping their money and data safe. This report, the fi...

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BLENDING CLIMATE FUNDS TO FINANCE 
LOW-CARBON, CLIMATE-RESILIENT 
INFRASTRUCTUR BLENDING CLIMATE FUNDS TO FINANCE LOW-CARBON, CLIMATE-RESILIENT INFRASTRUCTUR

whitepaper

Jun 20, 2018

The Brookings Institution is a nonprofit organization devoted to independent research and policy solutions. Its  mission is to conduct high-quality, independent research and, based on that research, to provide innovative, practical recommendations for policymakers and the public. The conclusion...

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AI Strategies in Financial Services AI STRATEGIES IN FINANCIAL SERVICES

whitepaper

Jun 18, 2018

The financial services industry is undergoing an AI transformation that is reshaping the sector. Early adopters of AI are reaping the benefits and adding to their bottom line results, and everyone is taking notice. These firms are using AI for a number of scenarios including personalized customer se...

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Digital Transformation and the Race to the Future DIGITAL TRANSFORMATION AND THE RACE TO THE FUTURE

whitepaper

Jun 15, 2018

Banks around the world are on notice that the tradition-bound business-as-usual approaches to banking are a doomed recipe for obsolescence and that the only path to survival and growth is through digital transformation. This means retooling operations, products, and people that leverage speed, a dyn...

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State of Digital Sales in Banking 2018 STATE OF DIGITAL SALES IN BANKING 2018

whitepaper

Jun 15, 2018

To objectively evaluate the quality and quantity of digital sales capabilities of the largest banks, Avoka commissioned a research team to evaluate each of the products visible on a bank’s website. In addition, the team evaluated Ease of Use for the most prominent deposit product on the websit...

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Accounting for Bank Acquisitions ACCOUNTING FOR BANK ACQUISITIONS

whitepaper

Jun 15, 2018

Beginning in 2009, the fair value method must be used to account for business combinations. The accounting is detailed FAS ASC 805 Business Combinations. As of the acquisition date, an acquirer must record the assets, liabilities and equity of the institution it is acquiring at fair value. The valua...

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AI-Automated Blockchain Accounting AI-AUTOMATED BLOCKCHAIN ACCOUNTING

whitepaper

Jun 08, 2018

This white paper outlines the rationale for a pre-Initial Coin Offering (ICO) by EZYcount, a Swiss-based software company. The hard cap for the ICO is set at 2 Million CHF, in which each token represents a lifelong software license and by purchasing enough tokens, holders gain access to the EZYcount...

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Biometrics in Digital Financial Services: An Overview BIOMETRICS IN DIGITAL FINANCIAL SERVICES: AN OVERVIEW

whitepaper

Jun 08, 2018

This paper presents the results of a focussed, independent analysis of biometric technologies, and considers their application and acceptance for retail payments and conventional financial services for people in emerging economies. In particular, we consider the application of biometrics technologie...

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Covered bonds as a Source of Funding for banks’ mortgage portfolios COVERED BONDS AS A SOURCE OF FUNDING FOR BANKS’ MORTGAGE PORTFOLIOS

whitepaper

Jun 07, 2018

Covered bonds funded only about 3 per cent of the assets of the largest banks and 9 per cent of Canadian mortgages in 2017. Instead, banks have been relying primarily on relatively cheap government-guaranteed mortgage funding options.ƒAn increasing portion of mortgages are uninsured and not eligible...

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BANKING IN THE DIGITAL AGE DISRUPTION REINVENTION REVOLUTION BANKING IN THE DIGITAL AGE DISRUPTION REINVENTION REVOLUTION

whitepaper

Jun 05, 2018

The Global banking Outlook 2018 published by Ernst & Young states a complete digital transformation is imperative for banks to protect themselves from “the impacts of future downturns on financial performance and business continuity”. It states that banks need to channelize investmen...

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Blockchain Implications Every Insurance Company Needs to Know BLOCKCHAIN IMPLICATIONS EVERY INSURANCE COMPANY NEEDS TO KNOW

whitepaper

Jun 05, 2018

Blockchain is a ledger of transactions that occur within an unlimited number of computers or blocks. Data that is uploaded is encrypted with the highest level of encryption and broken into hundreds of pieces of further encrypted data spread throughout numerous networks. Every block contains a hash p...

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Update: Bitcoin, Cryptocurrencies and Blockchain UPDATE: BITCOIN, CRYPTOCURRENCIES AND BLOCKCHAIN

whitepaper

Jun 05, 2018

Maximalists think that Bitcoin will eventually win over all other crypto/digital/fiat currencies and view work on anything else as a distraction and waste of resources. Diversifiers are looking for there to be wide range of digital currencies, etc. It feels like the incremental participant in the sp...

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The Roadmap to Financing Deforestation-Free Commodities THE ROADMAP TO FINANCING DEFORESTATION-FREE COMMODITIES

whitepaper

Jun 02, 2018

This White Paper looks at why financial institutions globally are not taking sufficient action or are finding it more difficult to do so than envisaged, and recommends ways forward for the various groups concerned. The recommendations are targeted first at financial institutions and second at other ...

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Multinational Banks in Regulated Markets: Is
Financial Integration Desirable? MULTINATIONAL BANKS IN REGULATED MARKETS: IS FINANCIAL INTEGRATION DESIRABLE?

whitepaper

May 30, 2018

We set up a two-country, regional model of trade in financial services. Competitive firms in each country manufacture non-traded consumer goods in an uncertain productive environment, borrowing funds from a bank in either the home or the foreign market. Duopolistic banks can choose their levels of m...

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Business Value of Open Source for Financial Services Firms BUSINESS VALUE OF OPEN SOURCE FOR FINANCIAL SERVICES FIRMS

whitepaper

May 25, 2018

The financial technology industry is moving into a new era of engagement with open source technologies and communities. Having used open source components for decades to build their products and run their datacenters, financial services and fintech firms are increasingly realizing that active partic...

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SIFMA 2019 Outlook, Trends in the Capital Markets SIFMA 2019 OUTLOOK, TRENDS IN THE CAPITAL MARKETS

whitepaper

May 25, 2018

Why do capital markets matter? In short, efficient markets are essential to facilitate investment and capital formation that grow and sustain a vibrant economy. Markets provide the means for the best ideas and enterprises to obtain capital and credit and propel them forward. Nowhere has this been mo...

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The Global Financial and Monetary System in 2030 THE GLOBAL FINANCIAL AND MONETARY SYSTEM IN 2030

whitepaper

May 25, 2018

The global financial and monetary system is at a crossroads. A decade after the onset of the global financial crisis, the world economy is showing signs of recovery. Growth in 2017 was broad-based, accelerating in about 75% of all countries. Boosted by a recovery in investment, global trade growth h...

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The 4th Generation Relational Blockchain THE 4TH GENERATION RELATIONAL BLOCKCHAIN

whitepaper

May 25, 2018

The pioneering cryptocurrency, Bitcoin, together with all the various reiterations, modifications, clones and forks based on Proof of Work algorithm for transaction validation, are considered first-generation blockchains. The second generation, with Ethereum leading the charge of smart-contracts-ena...

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Digital Transformation in Accounting DIGITAL TRANSFORMATION IN ACCOUNTING

whitepaper

May 23, 2018

Beaming is not an accounting practice, but we attract lots of business from accountancy firms because they tend to have very specific needs which we feel we can meet very well: accountancy practices need to secure the data, they like to operate in a safe and reliable way and their concern is for the...

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Good and Bad Banking on Europe’s
Periphery GOOD AND BAD BANKING ON EUROPE’S PERIPHERY

whitepaper

May 19, 2018

In this paper we seek to explain why bank performance has varied so dramatically during and after the financial crisis on Europe’s periphery, both across states and within them. Our dependent variable is bank performance defined in terms of credit provision and banks’ contribution to fin...

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Succeeding with Data Science in Financial Services SUCCEEDING WITH DATA SCIENCE IN FINANCIAL SERVICES

whitepaper

May 18, 2018

Financial services industries are unique: their businesses have been data-driven for decades and their competitive edge often depends on the quality of their models. Yet, they face increased regulatory mandates and pressure to minimize risk. Today’s CIO is challenged to centralize data science...

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THE FUTURE OF FINANCIAL INCLUSION IN AFRICA THE FUTURE OF FINANCIAL INCLUSION IN AFRICA

whitepaper

May 15, 2018

The launch and growth of digital financial services has led to an unprecedented increase in the number of people enjoying access to formal financial services. Today, Africa is home to more digital financial services deployments than any other region in the world, with almost half of the nearly 700 m...

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The Way We Bank Now 2018 THE WAY WE BANK NOW 2018

whitepaper

May 13, 2018

UK Finance represents nearly 300 of the leading firms providing finance, banking, markets and payments related services in or from the UK. UK Finance has been created by combining most of the activities of the Asset Based Finance Association, the British Bankers’ Association, the Council of Mo...

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Future of Banking Industry FUTURE OF BANKING INDUSTRY

whitepaper

May 12, 2018

There may not be many striking features in this scenario, but let’s see what processes are running behind the scenes: “Harvey got a flat tire in the morning, again for the seventh time in past three months, and his car needs full servicing. The bank gets a complete health report of all t...

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CRYPTOCURRENCIES, MONETARY STABILITY AND REGULATION CRYPTOCURRENCIES, MONETARY STABILITY AND REGULATION

whitepaper

May 10, 2018

The present paper classifies bitcoins and other cryptocurrencies as money, reviews their possible economic impact and proposes a regulatory approach based on Germany’s nineteenth century private banks of issue. Cryptocurrencies represent important monetary innovations and have reinvigorated in...

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Foreign Currency Bank Funding and Global Factors FOREIGN CURRENCY BANK FUNDING AND GLOBAL FACTORS

whitepaper

May 09, 2018

The literature on the drivers of capital flows stresses the prominent role of global financial factors. Recent empirical work, however, highlights how this role varies across countries and time, and this heterogeneity is not well understood. We revisit this question by focusing on financial intermed...

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Sustainable Financial Services in the Digital Age SUSTAINABLE FINANCIAL SERVICES IN THE DIGITAL AGE

whitepaper

May 07, 2018

In performing its core functions of deposit-taking and credit creation, as well as maintaining the infrastructure for payment systems which enable frictionless transactions between households and businesses, the financial system acts as an intermediary without which no economy would be able to funct...

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Open Retailing and Open Banking Payments Industry Challenges OPEN RETAILING AND OPEN BANKING PAYMENTS INDUSTRY CHALLENGES

whitepaper

May 07, 2018

Global payment trends and digital technologies are driving change in the payments world. The omni-channel payment behaviour of increasingly online consumers and retailers counter-acting demand for omni-channel payment service acceptance is a real challenge for the payments industry. Consumers are al...

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TECHNOLOGY FOR FINANCIAL INCLUSION TECHNOLOGY FOR FINANCIAL INCLUSION

whitepaper

May 06, 2018

The nature of relationships between financial service providers (FSPs) with technology service providers (TSPs) and FinTechs has been continuously evolving over the past decade. This evolution can be categorized into three phases.1 Globally, the first phase was initiated in the wake of the Financial...

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How Blockchain is Transforming Capital Market HOW BLOCKCHAIN IS TRANSFORMING CAPITAL MARKET

whitepaper

May 06, 2018

Blockchain technology has become a much talked about topic in recent times, as it is predicted that such technology can have a huge impact on the way in which financial institutions interact with each other, and the way financial trades are processed and settled. The technology, with its peer-to-pee...

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INSURANCE SERVICES ON THE BLOCKCHAIN INSURANCE SERVICES ON THE BLOCKCHAIN

whitepaper

May 06, 2018

The insurance industry has not evolved in any significant way since its inception. And yet, thanks to its positioning as a ‘must-have’ product, it remains one of the most lucrative industries in the world. DBD will become the leading provider of smart asset management for cataloging and ...

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PRINCIPLES OF BANK LENDING PRINCIPLES OF BANK LENDING

whitepaper

May 04, 2018

Lending of funds is the main business of a bank. The major portion of bank fund is employed by way of lending Meaning of lending banker The lending banker is the banker who lends funds to trade, commerce and industry etc to meet their financial requirements. Liquidity: liquidity refers to convertibi...

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Blockchain Revolution Without the Blockchain BLOCKCHAIN REVOLUTION WITHOUT THE BLOCKCHAIN

whitepaper

May 03, 2018

The technology behind blockchain has attracted a lot of attention. However, this technology is for the most part not well understood. There is no consensus on what benefits it may bring or on how it may fail. A careful look into the technology finds that most of the proposed benefits of so-called bl...

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IMPROVING GLOBAL FINANCIAL SERVICES REGULATION IMPROVING GLOBAL FINANCIAL SERVICES REGULATION

whitepaper

May 02, 2018

As the most globally active financial services provider, the UK has the potential to be a key player in helping to develop a more efficient international regulatory framework after it leaves the EU. All entities that have efficient and attractive financial services offerings will benefit from having...

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Fintech Promoting Responsible Innovation FINTECH PROMOTING RESPONSIBLE INNOVATION

whitepaper

May 02, 2018

ABA believes that innovation in financial services continues to have tremendous potential to benefit customers as it has throughout the history of banking. Innovation can promote financial inclusion, make it possible to extend credit to many more borrowers, and give customers improved transparency i...

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Global Retail Banking 2018: The Power of Personalization GLOBAL RETAIL BANKING 2018: THE POWER OF PERSONALIZATION

whitepaper

May 01, 2018

Banks know where the prevailing economic and technological forces are pushing them these days. But they are moving at very different speeds and focusing on different milestones.BCG’s latest bank study shows that the economic benefits are increasing for traditional retail banks that have implem...

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IMPROVING ACCESS TO FINANCE FOR SMES IMPROVING ACCESS TO FINANCE FOR SMES

whitepaper

May 01, 2018

This report is prepared by current and former members of the Doing Business Unit, Global Indicators Group under the supervision of Rita Ramalho (Senior Manager, Global Indicators Group, Development Economics) and Santiago Croci (Program Manager, Doing Business). The Task Team is led by Nan Jiang (Se...

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BLOCKCHAIN A potential Game-changer for Insurance claim BLOCKCHAIN A POTENTIAL GAME-CHANGER FOR INSURANCE CLAIM

whitepaper

Apr 30, 2018

The blockchain is an immutable, distributed and mutualized digital ledger of economic transactions that can be programmed to record not just financial transactions but virtually everything of value. Blockchain technology, in general runs on four basic characteristic. Distributed means computation is...

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Invox Finance Platform Version 1.08 INVOX FINANCE PLATFORM VERSION 1.08

whitepaper

Apr 27, 2018

We are excited to offer small businesses worldwide a solution to their cash-flow problems by providing accessible, low-interest financing through our distributed invoice financing platform. The traditional invoice financing model does not create a direct relationship between the person funding an in...

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Five Steps to Transform the Banking Customer Experience FIVE STEPS TO TRANSFORM THE BANKING CUSTOMER EXPERIENCE

whitepaper

Apr 26, 2018

Palpable and consequential shifts in digital, mobile, cloud, data and analytics technologies are reshaping customer expectations and driving customers to demand ever higher levels of service and value. In fact, a recent study showed that 65% of customers use online channels, not primarily for price ...

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Security Basics for Financial Applications SECURITY BASICS FOR FINANCIAL APPLICATIONS

whitepaper

Apr 25, 2018

As financial services firms expand their reach into the online world, they become vulnerable to increasingly sophisticated and pervasive cyber attacks. Customers can be exposed to identity theft and fraud. Assets can be misappropriated and result in client reimbursements. Regulators can impose penal...

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Delivering Personalized Digital Banking Experience DELIVERING PERSONALIZED DIGITAL BANKING EXPERIENCE

whitepaper

Apr 25, 2018

A successful digital banking personalization effort results in continued customer engagement driven by uniform and consistent omnichannel interaction and well-defined user experience and journey-mapping processes. NIIT Technologies' digital personalization framework empowers financial institutio...

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BRIEFING: OPEN BANKING AND FINANCIAL HEALTH BRIEFING: OPEN BANKING AND FINANCIAL HEALTH

whitepaper

Apr 25, 2018

For the first time, experts from banking and fintech, policymaking, consumer groups and civil society have come together to explore what Open Banking means for financial health, economic inequality and citizen power. This briefing summarises the findings of a roundtable event convened by the Finance...

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CONNECTING FINANCE AND NATURAL CAPITAL CONNECTING FINANCE AND NATURAL CAPITAL

whitepaper

Apr 21, 2018

If we told you that we could supply you with information that was essential to your portfolio, that would provide competitive advantage, and generate benefits to society and the environment, we are sure that you would all be interested in getting it. You would also probably be confused as to why thi...

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THE FINANCIAL PERFORMANCE OF IMPACT INVESTING THROUGH PRIVATE DEBT THE FINANCIAL PERFORMANCE OF IMPACT INVESTING THROUGH PRIVATE DEBT

whitepaper

Apr 20, 2018

Impact investments investments made into companies, organizations, and funds with the intention of generating positive social or environmental impact (or both) alongside financial return are vital to addressing a range of global challenges, including slowing and mitigating climate change, ending pov...

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PROMOTING INNOVATION IN FINANCIAL SERVICES PROMOTING INNOVATION IN FINANCIAL SERVICES

whitepaper

Apr 20, 2018

The Treasury Secretary’s pending report on innovation and financial technology, or fintech, is an important opportunity to assess the existing financial regulatory and supervisory framework with an eye towards reform that would promote responsible innovation, enhance the delivery of financial ...

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The identification and measurement of nonperforming assets: a crosscountry comparison THE IDENTIFICATION AND MEASUREMENT OF NONPERFORMING ASSETS: A CROSSCOUNTRY COMPARISON

whitepaper

Apr 20, 2018

Non-performing assets (NPAs) are a recurring feature in financial crises. Poor asset quality translates into lower interest income and higher loan loss provisions, eventually leading to a deterioration in banks’ profitability and regulatory capital. Over time, high NPAs can lead to bank failur...

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ULTIMATE GUIDE TO BLOCKCHAIN GROWTH ULTIMATE GUIDE TO BLOCKCHAIN GROWTH

whitepaper

Apr 20, 2018

Blockchain is best known as the technology that cryptocurrencies are built upon, but they have nearly limitless uses outside of crypto as well. A blockchain is basically just a ledger that, instead of being stored in a single location, is distributed to all users so that each transaction can be veri...

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THE ROLE OF PRIVATE CAPITAL IN CONSERVATION THE ROLE OF PRIVATE CAPITAL IN CONSERVATION

whitepaper

Apr 20, 2018

The natural world upon which we rely is facing  profound challenges. Across most metrics of environmental health, exploitation by mankind is putting extreme stress upon the ability of
ecosystems to support biodiversity and to provide the clean water, climate stability, and foodstuffs tha...

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A FINANCIAL ADVISOR’S GUIDE TO BLOCKCHAIN, BITCOIN, ANDCRYPTOCURRENCIES A FINANCIAL ADVISOR’S GUIDE TO BLOCKCHAIN, BITCOIN, ANDCRYPTOCURRENCIES

whitepaper

Apr 18, 2018

Excitement over Bitcoin and other cryptocurrencies has as much, if not more, to do with the blockchain technology underpinning it as it does to do with a new kind of payment method. Blockchain holds the promise of applications beyond currency, and enthusiasts are exploring projects that expand on th...

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Central Banking in a Digital Age: Stock-Taking and Preliminary Thoughts CENTRAL BANKING IN A DIGITAL AGE: STOCK-TAKING AND PRELIMINARY THOUGHTS

whitepaper

Apr 16, 2018

This note provides a broad overview of how technological changes are likely to affect the practice of central banking. While the advent of decentralized cryptocurrencies such as Bitcoin has dominated the headlines, a broader set of changes wrought by advances in technology are likely to eventually h...

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Public development banks:towards a better model PUBLIC DEVELOPMENT BANKS:TOWARDS A BETTER MODEL

whitepaper

Apr 15, 2018

Public development banks (PDBs) are enjoying a resurgence. The global financial and economic crisis has stimulated new interest in PDBs, particularly given the important role they play in providing counter-cyclical financing when private capital is in short supply. In recent years, several countries...

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Finance with artificial intelligence FINANCE WITH ARTIFICIAL INTELLIGENCE

whitepaper

Apr 15, 2018

The real and potential areas of application are as varied as they are exciting. Services previously provided by people - experts - can, supported by artificial intelligence, grow exponentially: driverless vehicles will revolutionise logistics and change everyone’s everyday lives. The combined ...

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Tapping Capital Markets and Institutional Investors
for Infrastructure Development TAPPING CAPITAL MARKETS AND INSTITUTIONAL INVESTORS FOR INFRASTRUCTURE DEVELOPMENT

whitepaper

Apr 15, 2018

The paper studies the possibility of using capital markets to channel more resources for infrastructure development while mobilizing assets managed by institutional investors such as pension funds and insurance companies. To this end, the paper is structured as follows. First, it analyses the level ...

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CHANGING THE CORE BANKING SYSTEM THE AGONY OF CHOICE CHANGING THE CORE BANKING SYSTEM THE AGONY OF CHOICE

whitepaper

Apr 15, 2018

Banks are subject to ever higher cost pressures characterized by shrinking margins and increasing investment needs. The implementation of new requirements especially triggered by regulation and digitalization is driving costs in an increasingly competitive environment. Thus, the need to review and o...

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NEW PRINCIPLES TO EXPLORE BANKING BLOCKCHAIN USE CASES EFFECTIVELY NEW PRINCIPLES TO EXPLORE BANKING BLOCKCHAIN USE CASES EFFECTIVELY

whitepaper

Apr 13, 2018

A new breed of blockchains are being developed to become identifiable, controllable and asset-agnostic. This evolving architecture demands new rules to explore use cases in the financial industry. Here we outline three use case principles for bank CIOs that can potentially guide their blockchain inv...

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BANK OF THE FUTURE The ABCs of Digital Disruption in Finance BANK OF THE FUTURE THE ABCS OF DIGITAL DISRUPTION IN FINANCE

whitepaper

Apr 13, 2018

At the end of 2017, when typically the most asked questions include ‘Are you going to the company holiday party?’ and ‘What present am I going to get Uncle Billy this year?’, one question seemed to dominate: ‘Do you think I should buy Bitcoin?’ Without most people...

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Making Waves: Aligning the Financial System with Sustainable Development MAKING WAVES: ALIGNING THE FINANCIAL SYSTEM WITH SUSTAINABLE DEVELOPMENT

whitepaper

Apr 12, 2018

Financial crisis created demands for fresh thinking about the role and shape of the financial system, and a greater willingness for policymakers to act. Second has been the growing importance of developing countries in breaking new ground in advancing practical ways in which changes to the financial...

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Decrypting Insurance Broking through Blockchain DECRYPTING INSURANCE BROKING THROUGH BLOCKCHAIN

whitepaper

Apr 10, 2018

With increasing regulatory complexity and heightened cost sensitivity, the nature of risk in the insurance industry is becoming more diverse and complex, making the role of insurance brokers more challenging and vital than ever before. Beyond selling insurance, the role of brokers today continues we...

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Digital Agenda for Retail Banking and Payment Companies DIGITAL AGENDA FOR RETAIL BANKING AND PAYMENT COMPANIES

whitepaper

Apr 10, 2018

Powerful forces are reshaping the retail banking and payments industry. Customer expectations, technology, regulatory requirements, millennial demographics and new FinTech startups are converging and making digital transformation a priority.  Customer shifts in behavior and adoption of more dig...

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A distributed, open-standard protocol for decentralized
derivative trading. A DISTRIBUTED, OPEN-STANDARD PROTOCOL FOR DECENTRALIZED DERIVATIVE TRADING.

whitepaper

Apr 08, 2018

It is fair to say that digital currencies more or less have altered the course of money. On January 3, 2009, the digital currency Bitcoin was created introducing a new way of tracking ownership of digital assets. We now call that blockchain. Innovations since then, perhaps most significantly Ethereu...

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Cryptocurrency Trading Platform CRYPTOCURRENCY TRADING PLATFORM

whitepaper

Apr 08, 2018

As cryptocurrency prices have increased, so too has public intrigue and investment. However, despite these inflows of public capital, it is primarily cryptocurrency miners, venture capitalists, financial analysts, institutional investors and computer scientists that are reaping the lucrative rewards...

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Universal AI Banking Platform UNIVERSAL AI BANKING PLATFORM

whitepaper

Apr 06, 2018

The financial services industry is undergoing a transformation driven by expanding customer expectations for convenience and personalization. AI technologies are bridging the gap between what financial institutions currently offer versus what customers want. These technologies focus on personalizati...

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Central Bank Capital as an Instrument of Monetary
Policy CENTRAL BANK CAPITAL AS AN INSTRUMENT OF MONETARY POLICY

whitepaper

Apr 06, 2018

We examine the use of central bank capital as an unconventional monetary policy tool. In this setting, a central bank employs digital currency to transfer digital cash to each household, thus supporting consumption directly when needed. The asset side of the central bank’s balance sheet remain...

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Deposit coins. Borrow cash against your cryptocurrency Earn interest DEPOSIT COINS. BORROW CASH AGAINST YOUR CRYPTOCURRENCY EARN INTEREST

whitepaper

Apr 05, 2018

In conjunction with the launch of the Celsius Crypto Wallet, we’re excited to introduce the Celsius Token (CEL). After our Token Generation Event, members will be able to use their CEL tokens to secure access to loans in dollars using their crypto as collateral. In the future, members who depo...

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A Price-Stable Cryptocurrency for Next-Generation Payments A PRICE-STABLE CRYPTOCURRENCY FOR NEXT-GENERATION PAYMENTS

whitepaper

Apr 03, 2018

Cryptocurrencies with deterministic supply such as Bitcoin and Ethereum are extremely volatile. Changes in coin demand reflect on coin price, which discourages its use for basic economic needs like paying bills and buying coffee, not to mention more complex needs like loans and insurance contracts. ...

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Defending Your Network from Cryptomining DEFENDING YOUR NETWORK FROM CRYPTOMINING

whitepaper

Mar 30, 2018

Threat actors increasingly look toward illicit crypto mining as an easy source of income. Cryptomining is the production of virtual currency, also known as cryptocurrencies, such as Bitcoin and Monero. It comes at the expense of system performance and power consumption. Moreover, threat actors are i...

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OpenFinance Network OPENFINANCE NETWORK

whitepaper

Mar 30, 2018

Today's global financial markets were shaped over decades of interactions between various participants and stakeholders in the industry. Markets are comprised of complex networks of internal systems and service providers that support the processing of hundreds of millions of financial transactio...

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Financial Inclusion in the Digital Age FINANCIAL INCLUSION IN THE DIGITAL AGE

whitepaper

Mar 30, 2018

Billions of adults across the globe lack access to the financial services they need to achieve even modest levels of financial well-being. Many households and small businesses in emerging markets have no or very limited access to formal financial services. Even in developed countries, they only have...

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Tokenised Venture Partnering and Ethical Investment TOKENISED VENTURE PARTNERING AND ETHICAL INVESTMENT

whitepaper

Mar 30, 2018

This whitepaper contains financial and technological information which is subject to change. As a result, certain statements, predictions, estimates, and models should be taken on informational grounds only with a view to the significant uncertainty which exists in the marketplace.

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Allvor: cryptocurrency for e-commerce ALLVOR: CRYPTOCURRENCY FOR E-COMMERCE

whitepaper

Mar 28, 2018

Allvor is the first cryptocurrency issued in the XRP Ledger with a focus on e-commerce. Allvor proposes integrating the XRP Ledger’s superior technology with systems and protocols used in e-commerce as a way to boost the cryptocurrency use on a global scale. The XRP Ledger, which is developed ...

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What Is Bitcoin? The Beginner’s Guide to Cryptocurrency WHAT IS BITCOIN? THE BEGINNER’S GUIDE TO CRYPTOCURRENCY

whitepaper

Mar 27, 2018

Bitcoin is global. During 2017, the price of a single Bitcoin rocketed from $963 to over $19,000. Then, as quickly as it rose, the price plummeted to less than half of that. Bitcoin’s immense value has some people perplexed. How is an entirely digital currency worth more than an ounce of gold?...

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DIGITAL BANKING: FIVE SIMPLE WAYS TO MAKE YOUR CUSTOMER FEEL SPECIAL DIGITAL BANKING: FIVE SIMPLE WAYS TO MAKE YOUR CUSTOMER FEEL SPECIAL

whitepaper

Mar 25, 2018

Over the years, banks have become more digital and less human in serving their customers. They might be more efficient, but relationships are not about efficiency. For the non-digital ‘native’ customer the interaction can be less than fulfilling. When a problem occurs in the digital worl...

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2018 Banking Outlook Accelerating the transformation 2018 BANKING OUTLOOK ACCELERATING THE TRANSFORMATION

whitepaper

Mar 25, 2018

For banks globally, 2018 could be a pivotal year in accelerating the transformation into more strategically focused, technologically modern, and operationally agile institutions, so that they may remain dominant in a rapidly evolving ecosystem. This metamorphosis is far from easy as most banks grapp...

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Bitcoin and Crytocurrencies - Law Enforcement Cyber Center BITCOIN AND CRYTOCURRENCIES - LAW ENFORCEMENT CYBER CENTER

whitepaper

Mar 25, 2018

As the budget session drew to an end, cryptocurrency dealing was termed 'not legal' in India. Though there was a lack of regulatory measures, people have been dealing with cryptocurrencies and many were falling victims of fraud. With the rates of bitcoin rocketing sky-high and then plummetin...

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CONNECTED CORPORATE BANKING CONNECTED CORPORATE BANKING

whitepaper

Mar 20, 2018

Corporate and commercial banking remains attractive with good returns and solid revenue growth despite contracting margins. The latest Celent research incorporates new data from Oliver Wyman, forecasting global growth for corporate banking (global transaction banking revenue and lending revenue) of ...

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Converting loose change into virtual currencies CONVERTING LOOSE CHANGE INTO VIRTUAL CURRENCIES

whitepaper

Mar 15, 2018

This whitepaper explores the challenges faced in dealing with loose change, as well as the challenges in transitioning from a cash-based to a digital economy and provides a detailed overview of the Digitize solution, which will create a frictionless platform for purchasing digital currencies and sup...

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Artificial intelligence: the evolution of financial advice ARTIFICIAL INTELLIGENCE: THE EVOLUTION OF FINANCIAL ADVICE

whitepaper

Mar 15, 2018

Media and research papers frequently make bold claims about AI or machine learning techniques solving human problems and beating human experts, or the dangers we face if progress is unchecked. There is always a lot of hype around anything connected with technological developments, and separating fac...

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LARGE-SCALE CYBER-ATTACKS ON THE FINANCIAL SYSTEM LARGE-SCALE CYBER-ATTACKS ON THE FINANCIAL SYSTEM

whitepaper

Mar 15, 2018

Cyber-attacks on financial institutions are becoming more frequent, complex, and sophisticated, with potential for far-reaching, systemic impacts. The motivation of cyber-attackers is shifting from purely achieving financial gains to disrupting critical infrastructures, such as through nation-state ...

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Behavioral Design for Digital Financial Services BEHAVIORAL DESIGN FOR DIGITAL FINANCIAL SERVICES

whitepaper

Mar 15, 2018

Today, there’s a digital tool for almost every aspect of financial management, from automated savings and investment to expense tracking to person-to-person payments. Compared with traditional brick-and-mortar financial services, digital financial services can offer greater accessibility and c...

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Innovation in Payments: The Future is Fintech INNOVATION IN PAYMENTS: THE FUTURE IS FINTECH

whitepaper

Mar 15, 2018

Fintech is changing the face of global payments. Global investment in fintech ventures tripled in 2014 to US$12 billion. As new payment capabilities come to the fore, cutting-edge technology is transforming how transactions are initiated and processed. This is no longer just a case of new currencies...

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The transaction effort score driving revenue through reduced customer effort THE TRANSACTION EFFORT SCORE DRIVING REVENUE THROUGH REDUCED CUSTOMER EFFORT

whitepaper

Mar 15, 2018

Many financial institutions have some portion of their application process online but it’s sometimes confusing and tedious for customers to complete. This is a lost opportunity for acquisition and revenue. One of the major problems with reducing friction, or effort in digital transactions, is ...

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Can Big Data Shape Financial Services in East Africa? CAN BIG DATA SHAPE FINANCIAL SERVICES IN EAST AFRICA?

whitepaper

Mar 15, 2018

FinTech startups operating as alternative lenders4 have fewer legacy technology constraints, but they face challenges in acquiring low-cost wholesale capital, especially for FinTech startups lending to sectors which are perceived by banks as high risk.5 These FinTechs must also deal with the issue o...

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Virtual Currencies and Blockchain Technology VIRTUAL CURRENCIES AND BLOCKCHAIN TECHNOLOGY

whitepaper

Mar 15, 2018

Virtual currencies can be defined as a transactional system in which encryption techniques are employed to verify transactions, facilitate the transfer of units from one party to another, and regulate the generation of new units of a ‘virtual currency’. Like physical money, virtual curre...

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Crypto Trading for everyone CRYPTO TRADING FOR EVERYONE

whitepaper

Mar 14, 2018

In recent times the interest in trading and investing in cryptocurrencies has dramatically increased as has the average person’s fervor for getting involved in the potential investment opportunities. The move to global digital ledgers and cryptocurrencies is being ushered in by the general pub...

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2018 Midwest Startup and Venture Capital Market Analysis 2018 MIDWEST STARTUP AND VENTURE CAPITAL MARKET ANALYSIS

whitepaper

Mar 13, 2018

After the success of our 2017 Midwest Startup and Venture Capital Market Analysis, we sought out to investigate the venture and start up landscape in the region once more, paying special attention to where the market has most significantly changed. In our analysis, we uncovered a number of new patte...

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Aggressive tax planning indicators AGGRESSIVE TAX PLANNING INDICATORS

whitepaper

Mar 12, 2018

The international corporate tax system aims to tax the profits of multinational enterprises (MNE) where they arise. However, MNEs have in some instances exploited mismatches and loopholes in the international tax framework to reduce their overall tax burden. This entails substantial problems, such a...

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Virtual Currencies and Blockchain Technology VIRTUAL CURRENCIES AND BLOCKCHAIN TECHNOLOGY

whitepaper

Mar 07, 2018

Virtual currencies can be defined as a transactional system in which encryption techniques are employed to verify transactions, facilitate the transfer of units from one party to another, and regulate the generation of new units of a ‘virtual currency’. Like physical money, virtual curre...

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A Guide for Mortgage Bankers to Build and Leverage their Network A GUIDE FOR MORTGAGE BANKERS TO BUILD AND LEVERAGE THEIR NETWORK

whitepaper

Mar 07, 2018

The contributions made to this course by the mortgage bankers of Sente Mortgage are critical to the quality of the course. Their practice and feedback have allowed us to test the ideas and present the most successful. While Sente Mortgage has taken due care in the preparation of all course materials...

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The Fourth Industrial Revolution: Impact on Financial Services THE FOURTH INDUSTRIAL REVOLUTION: IMPACT ON FINANCIAL SERVICES

whitepaper

Mar 06, 2018

Emerging FinTechs are also starting to tackle a range of other banking services. These include providing alternatives in the payments space, offering loans and delivering financial planning services, something that in the past was only available to high net worth individuals. Crucially, technology h...

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Digital Financial Services Evidence Gap Map Methodology DIGITAL FINANCIAL SERVICES EVIDENCE GAP MAP METHODOLOGY

whitepaper

Mar 05, 2018

The Digital Finance Evidence Gap Map (EGM) serves as the inventory of client-level impact. The interactive EGM and supporting narratives provide an overview of the evidence of the effects of Digital Finance on various clients, their households, and communities. Broadly, the Digital Finance EGM inten...

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Asia Pacific Capital Markets Outlook 2018 ASIA PACIFIC CAPITAL MARKETS OUTLOOK 2018

whitepaper

Feb 21, 2018

Investor concerns around the medium-term interest rate outlook has lifted recently which is placing some pressure on their ability to underwrite deals in the absence of significant rental growth. Yield curves globally have flattened in line with the US, as shorter-term rates have moved higher in ant...

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3 Top Big Data Use Cases in Financial Services 3 TOP BIG DATA USE CASES IN FINANCIAL SERVICES

whitepaper

Feb 20, 2018

Datameer has been working with some of the most progressive companies in financial services to rapidly deploy big data analytics that drives customer acquisition, increase customer loyalty, predict and prevent fraud and delivers the more targeted advertisement.

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The Future of Finance: How FinTech, AI & Blockchain Will
Shape our Future THE FUTURE OF FINANCE: HOW FINTECH, AI & BLOCKCHAIN WILL SHAPE OUR FUTURE

whitepaper

Feb 20, 2018

Digitization in banks involves translating analog processes into digital processes such as online banking or electronic funds transfer. Digital transformation in banks involves integrating across multiple digital processes to offer customers individualized experiences, e.g., omni-channel and single ...

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A 3rd generation peer to peer cryptocurrency A 3RD GENERATION PEER TO PEER CRYPTOCURRENCY

whitepaper

Feb 20, 2018

The major aim of $PAC is to become the most efficient and user-friendly cryptocurrency that is available globally. Our network features double-send proof transactions and transaction history that is erasable in terms of receiving funds. $PAC works using the principle of decentralization whilst uphol...

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Banking on a Low-Carbon Future BANKING ON A LOW-CARBON FUTURE

whitepaper

Feb 20, 2018

Banks are exposed to climate-related risks through their lending and financial service activities, including project finance, equity, and debt underwriting. These risks are real and wide-ranging. A recent study estimates that the value at risk for investors from climate change, under a business-as-u...

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High-Cost Alternative Financial Services: Issues and Impact HIGH-COST ALTERNATIVE FINANCIAL SERVICES: ISSUES AND IMPACT

whitepaper

Feb 18, 2018

Several banking and credit alternatives exist beyond the traditional financial system. Referred to as high cost alternative financial services in this report, these alternatives supply credit-constrained individuals with fast, convenient access to cash or assets at a high price. Their interest rates...

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Machine learning at central banks MACHINE LEARNING AT CENTRAL BANKS

whitepaper

Feb 15, 2018

We introduce machine learning in the context of central banking and policy analyses. Our aim is to give an overview broad enough to allow the reader to place machine learning within the wider range of statistical modelling and computational analyses, and provide an idea of its scope and limitations....

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AI DISRUPTION: THE CHANGING FACE OF FINANCE AI DISRUPTION: THE CHANGING FACE OF FINANCE

whitepaper

Feb 14, 2018

Technology companies such as Apple, Amazon and Google are leading the way with the deployment of Artificial Intelligence (AI), with Siri, Alexa and Nest examples of how AI is becoming mainstream and adopted by consumers keen to embrace and benefit from rapid disruptive enhancements. But whilst big t...

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How Blockchain Technology and AI Can Deliver Insurance Innovations HOW BLOCKCHAIN TECHNOLOGY AND AI CAN DELIVER INSURANCE INNOVATIONS

whitepaper

Feb 12, 2018

Today's commercial and home security monitoring systems produce an enormous amount of big data designed to alert users after an event has occurred. We believe that no system exists to continuously collect and analyse that data, utilizing it to predict, alert and prevent risky behavior autonomous...

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Blockchain and Emerging Digital Technologies for Enhancing Post-2020 Climate Markets BLOCKCHAIN AND EMERGING DIGITAL TECHNOLOGIES FOR ENHANCING POST-2020 CLIMATE MARKETS

whitepaper

Feb 12, 2018

Scientific consensus is that rapid and aggressive reductions in greenhouse gas (GHG) emissions are needed if significant climate disruption and irreversible environmental impacts are to be averted. The changes required necessitate large-scale investment and governments at all levels are responding w...

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Financial Services and the Role of Workflow Automation FINANCIAL SERVICES AND THE ROLE OF WORKFLOW AUTOMATION

whitepaper

Feb 10, 2018

This whitepaper will look at the processes that underpin the common industry challenges faced in the financial services infrastructure; the problems with traditional workflow solutions, and look at how automating these processes with Nintex Workflow can help simplify these challenges and boost produ...

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Digital Banking Strategies: Opportunities to Connect with Customers DIGITAL BANKING STRATEGIES: OPPORTUNITIES TO CONNECT WITH CUSTOMERS

whitepaper

Feb 10, 2018

Digitalization is changing the entire customer relationship. Banking customers can now complete the majority of personal finance transactions on a variety of devices and platforms, without once stepping into a bank branch. A strong digital banking strategy creates a connection between every point of...

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BANKING’S DIGITAL TRANSFORMATION BANKING’S DIGITAL TRANSFORMATION

whitepaper

Feb 08, 2018

The age of digital transformation has arrived, revolutionizing the financial services industry with new ways of doing business anytime, anywhere. With a growing array of digital banking channels available, customers seemingly have infinite possibilities for conducting financial business. At the same...

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A Primer on Blockchain Technology and its Potential for Financial Inclusion A PRIMER ON BLOCKCHAIN TECHNOLOGY AND ITS POTENTIAL FOR FINANCIAL INCLUSION

whitepaper

Feb 08, 2018

In all blockchains, transactions are bundled in blocks, which are cryptographically interlinked. Due to this, the manipulation of a certain block is visible in every block that is created on top of this block. Additionally, the blockchain is stored on the computers of a large number of network parti...

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To Survive, Smaller Banking Institutions Need a Strong Technology Foundation TO SURVIVE, SMALLER BANKING INSTITUTIONS NEED A STRONG TECHNOLOGY FOUNDATION

whitepaper

Feb 06, 2018

The past decade has seen a sea change in the way banks operate, both internally and with their customers. A shifting regulatory environment has meant banks need to comply with more or different rules. And customers increasingly are demanding different ways of interacting with their financial institu...

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ARTIFICIAL INTELLIGENCE POWERED BANKING ARTIFICIAL INTELLIGENCE POWERED BANKING

whitepaper

Feb 05, 2018

The breakneck speed of technological change continues to drive new possibilities. If Google’s DeepMind AI beating top players at a complex board game “Go” in 2017 was any indication of how far we have come, clearly 2018 is set to mark the beginning of staggering things to come. In ...

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Digitally-driven changes to insurance DIGITALLY-DRIVEN CHANGES TO INSURANCE

whitepaper

Feb 03, 2018

As technology continues to insinuate itself into all facets of financial services, the insurance industry faces a slow-motion parade of promise, possibilities, prematurity, and pared-down expectations. Digitization, the birth of InsurTech, machine intelligence, and the collection & curation of (...

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Financial Innovation and riding the Fintech Wave FINANCIAL INNOVATION AND RIDING THE FINTECH WAVE

whitepaper

Feb 02, 2018

Fintech or financial technology is the application of technology in the financial product ecosystem. This includes financial product administration, vetting, marketing, distribution and supervision. The tremendous speed of fintech development in recent years can be attributed to the advent of new te...

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why is blockchain important? Swiss Fintech Innovations WHY IS BLOCKCHAIN IMPORTANT? SWISS FINTECH INNOVATIONS

whitepaper

Feb 02, 2018

A new survey conducted by Swiss FinTech, an association that aims to serve as the hub for the Swiss fintech scene, found that among 265 respondents, the majority believes that blockchain technology will most likely shape the future of financial services. Internet revolutionizes the exchange of infor...

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Banking Technology Vision 2018 Building the Future-Ready Bank BANKING TECHNOLOGY VISION 2018 BUILDING THE FUTURE-READY BANK

whitepaper

Feb 01, 2018

In contrast, the pace of change in more developed retail and commercial banking markets appears to be more evolutionary than revolutionary. The would-be rebels see the EU’s second Payment Services Directive (PSD2), the UK’s Open Banking initiative, and mandated data sharing in Australia ...

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The state of blockchain and crypto in South Korea THE STATE OF BLOCKCHAIN AND CRYPTO IN SOUTH KOREA

whitepaper

Jan 31, 2018

Blockchain growing the ,Value of Internet the of blocks building the build to aim We as safely and easily, quickly as exchanged be to value enabling challenges various the Understanding. internet the on information has Group Assets Digital First, bring can technology blockchain firms help to product...

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Best and Worst Dividend Paying Stocks BEST AND WORST DIVIDEND PAYING STOCKS

whitepaper

Jan 30, 2018

Getting risk-free U.S. Treasury securities and bank securities don’t seem so great now, especially with the rock-bottom returns that are being offered. Instead, investors like you are looking for other ways to generate safe, consistent income from common stocks.

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Trading platform for the creation and exchange of digital assets TRADING PLATFORM FOR THE CREATION AND EXCHANGE OF DIGITAL ASSETS

whitepaper

Jan 20, 2018

The Internet is experiencing a new technological revolution, a paradigm shift where the World Wide Web is evolving towards the World Wide Ledger. With the incorporation of distributed networks that use blockchain technology and smart contracts, a new “Internet of Value” is being created ...

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Swiss national blockchain and cryptocurrency SWISS NATIONAL BLOCKCHAIN AND CRYPTOCURRENCY

whitepaper

Jan 18, 2018

The introduction of a national blockchain and corresponding cryptocurrency brings significant and multifaceted benefits required for a modern digital economy. Switzerland will become part of a group of leading digital nations, with blockchain and cryptocurrency bringing the Swiss market to new effic...

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Demystifying Machine Learning for Banking DEMYSTIFYING MACHINE LEARNING FOR BANKING

whitepaper

Jan 18, 2018

People have been saying it for a while. “AI has arrived!” Well, AI turned 67 this year. It’s not new. And yet, we are now witnessing a special moment. AI is graduating from the laboratory to the wide market. Before, AI belonged to the halls of academic research and the R&D bunk...

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Mobile and Digital Wallets: U.S. Landscape and Strategic Considerations for Merchants and Financial Institutions MOBILE AND DIGITAL WALLETS: U.S. LANDSCAPE AND STRATEGIC CONSIDERATIONS FOR MERCHANTS AND FINANCIAL INSTITUTIONS

whitepaper

Jan 17, 2018

The U.S. Payments Forum, formerly the EMV Migration Forum, is a cross-industry body focused on supporting the introduction and implementation of EMV chip and other new and emerging technologies that protect the security of, and enhance opportunities for payment transactions within the United States....

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2018 CRM SOLUTIONS FOR BANKING 2018 CRM SOLUTIONS FOR BANKING

whitepaper

Jan 17, 2018

Customer relationship management is a well-known term in the industry. CRM is a strategy and business process encompassing many technologies by which firms acquire, manage, and service customers. The goal of a bank implementing a CRM strategy is to gather and organize both data and knowledge about c...

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Cryptocurrency Essential knowledge for business CRYPTOCURRENCY ESSENTIAL KNOWLEDGE FOR BUSINESS

whitepaper

Jan 15, 2018

Cryptocurrency has dominated the financial pages over the last six months; innovative Blockchain technology has allowed an increasing number of new, decentralised digital currencies to make exponential gains, in both value and user adoption. Blockchain has the potential to revolutionise several indu...

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The Governance of Blockchain Financial Networks THE GOVERNANCE OF BLOCKCHAIN FINANCIAL NETWORKS

whitepaper

Jan 14, 2018

How can companies stay compliant with regulations such as FINRA, MiFID II, and GDPR? Should they ban WhatsApp at work and risk the productivity and efficient communication between their employees? Or should they rather create effective policies and invest in the right technologies to help them stay ...

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Advancing Financial Inclusion Metrics ADVANCING FINANCIAL INCLUSION METRICS

whitepaper

Jan 10, 2018

Stimulating financial inclusion has the potential to bolster economic growth while alleviating poverty. It provides access to payments and savings, protects against crises and mobilizes resources essential for investment and consumption. Additionally, financial inclusion can further boost economic p...

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RETAIL BANKING FUTURE TRENDS European Market RETAIL BANKING FUTURE TRENDS EUROPEAN MARKET

whitepaper

Jan 09, 2018

We know that in today’s challenging and competitive market, all businesses are striving to do their best, regardless of the industry, where the key focus is to enhance the customer experience and stay competitive. So, it is for the financial services industry. The conventional business model i...

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Impact of Digital Finance on Financial Inclusion and Stability IMPACT OF DIGITAL FINANCE ON FINANCIAL INCLUSION AND STABILITY

whitepaper

Jan 08, 2018

This study examines the impact of digital finance for financial inclusion and financial system stability. Focussing on digital finance, this article provides a discussion on digital finance and explores the impact of digital finance for financial inclusion and financial system stability - an issue w...

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Information Transmission Between Cryptocurrencies: Does Bitcoin Rule the Cryptocurrency World? INFORMATION TRANSMISSION BETWEEN CRYPTOCURRENCIES: DOES BITCOIN RULE THE CRYPTOCURRENCY WORLD?

whitepaper

Jan 08, 2018

Cryptocurrencies, sometimes referred to as virtual or digital currencies, may be considered a medium of exchange in certain contexts, but they do not yet possess all the properties and features usually attributed to money. According to the traditional view (based on Jevons, 1896), money has three ma...

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Capital Market Assumptions: 10 Consultant Outlooks CAPITAL MARKET ASSUMPTIONS: 10 CONSULTANT OUTLOOKS

whitepaper

Jan 02, 2018

In the case that multiple capital market assumptions were produced by a consultant in a single year, we used the most recent assumptions for that year. Local currency and unhedged assumptions were used in this research. All observations in the following sections of this paper are limited to the scop...

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How Blockchain Is Changing Finance HOW BLOCKCHAIN IS CHANGING FINANCE

whitepaper

Jan 01, 2018

Our global financial system moves trillions of dollars a day and serves billions of people. But the system is rife with problems, adding cost through fees and delays, creating friction through redundant and onerous paperwork, and opening up opportunities for fraud and crime. To wit, 45% of financial...

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Future of Consumer Banking: The Augmented Way FUTURE OF CONSUMER BANKING: THE AUGMENTED WAY

whitepaper

Dec 30, 2017

Every financial institution across the globe is leveraging modern advances of computing like cloud, data analytics, automation, artificial intelligence, etc., to build customer-centric sustainable solutions. But technology itself is a rapidly changing platform which is unpredictable and evolving at ...

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2018 FINTECH PREDICTIONS 2018 FINTECH PREDICTIONS

whitepaper

Dec 25, 2017

We are excited to publish our 3rd annual edition of financial technology predictions, where we look back at how our predictions for 2017 panned out and look forward to what we can expect in 2018. 2017 has been a year of continued growth for companies in the financial technology vertical. We’ve...

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LOGISTICS & FINTECH: FROM DIRECT BENEFITS TO BIG IMPACTS LOGISTICS & FINTECH: FROM DIRECT BENEFITS TO BIG IMPACTS

whitepaper

Dec 20, 2017

Fintech stands for financial technology and encompasses innovation in the financial sector, including innovations in financial literacy and education, retail banking, investments, and cryptocurrencies. The fintech industry consists of a range of companies; from large and established financial and te...

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Banking For the Blockchain Era BANKING FOR THE BLOCKCHAIN ERA

whitepaper

Dec 20, 2017

The potential impact of technological development in finance is one of the hottest topics today. Many start-ups are trying to revolutionize financial services. However, they mostly focus on a niche and cannot take advantage of economies of scale, which is one of the main advantages enjoyed by tradit...

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BLOCKCHAIN FOR TRADE AND FINANCE BLOCKCHAIN FOR TRADE AND FINANCE

whitepaper

Dec 20, 2017

Global trade, also known as an international trade, is simply the import and export of goods and services across international boundaries which is settled by financial transactions. A fundamental concept underlying global trade is the concept of comparative advantage in commercial activities and has...

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Cryptocurrency Trading Platform with Superior User Experience CRYPTOCURRENCY TRADING PLATFORM WITH SUPERIOR USER EXPERIENCE

whitepaper

Dec 20, 2017

The fact that you are reading this White Paper means that you are probably aware of the exponential growth that has occurred in the world of cryptocurrency over the course of the last few years, and, even more significantly, the last few months. Bitcoin is nearly ten times the value it was at the st...

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2017 Retail Banking Trends and Predictions 2017 RETAIL BANKING TRENDS AND PREDICTIONS

whitepaper

Dec 19, 2017

The Top 10 Digital Banking Trends and Predictions for 2017 were collected from a panel of over 100 global influencers including bankers, credit union executives, industry analysts, advisors, authors and fintech leaders from Asia, Africa, North America, South and Central America, Europe, the Middle E...

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CRYPTOCURRENCIES: OVERCOMING BARRIERS TO TRUST AND ADOPTION CRYPTOCURRENCIES: OVERCOMING BARRIERS TO TRUST AND ADOPTION

whitepaper

Dec 19, 2017

As our findings make clear, the notion that cryptocurrencies have to fit in with old-world financial models is flawed. Money has always evolved. Its uses and social status have changed and will keep changing. Why should we measure cryptocurrencies with the same yardstick used for traditional payment...

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ACCELERATING FINANCIAL CENTRE ACTION ON SUSTAINABLE DEVELOPMENT ACCELERATING FINANCIAL CENTRE ACTION ON SUSTAINABLE DEVELOPMENT

whitepaper

Dec 15, 2017

Mobilizing the world’s financial centres is essential to make progress on climate change and sustainable development. The momentum towards a sustainable financial system is clear: integrating environmental, social and governance (ESG) factors into investment portfolios is delivering superior r...

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Top 10 Trends in Property & Casualty Insurance 2018 TOP 10 TRENDS IN PROPERTY & CASUALTY INSURANCE 2018

whitepaper

Dec 15, 2017

Emerging technologies are transforming every aspect of the insurance business. Property and casualty insurers are adapting InsurTech capabilities to be more customer-centric, to optimize costs, and to improve operational efficiency. Transformational moves by P&C insurers include the use of conne...

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Financial Services: Building Blockchain One Block at a Time FINANCIAL SERVICES: BUILDING BLOCKCHAIN ONE BLOCK AT A TIME

whitepaper

Dec 11, 2017

Even as blockchain is poised to disrupt the financial services industry, from operations to business models, most organizations face substantial uncertainty about how the blockchain ecosystem will develop and the changes it will unleash. While some early adopters are pushing ahead rapidly, most firm...

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The Future of Work Banking and financial services in focus THE FUTURE OF WORK BANKING AND FINANCIAL SERVICES IN FOCUS

whitepaper

Dec 10, 2017

Many financial services companies might want to employ these individuals on a permanent basis, but this is often impossible to do. Most specialists are in such demand that they can make more money moving from project to project at different companies. “We use contingent workers as IT consultan...

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SIFMA 2018 Outlook: Trends in the Capital Markets SIFMA 2018 OUTLOOK: TRENDS IN THE CAPITAL MARKETS

whitepaper

Dec 10, 2017

The capital markets fuel the U.S. economy, providing 65% of funding for economic activity. Today, GDP growth is slowly starting to pick up and the financial system is strong. And yet, the U.S. economy has experienced the slowest economic recovery of the post-war period. Real gross domestic product s...

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Blockchain for Development: Emerging Opportunities for Mobile, Identity and Aid BLOCKCHAIN FOR DEVELOPMENT: EMERGING OPPORTUNITIES FOR MOBILE, IDENTITY AND AID

whitepaper

Dec 07, 2017

A 2017 report from Accenture has found that the velocity and intensity of change in the development sector has reached an unprecedented level, with new players, businesses and funding models, societal expectations, demographic shifts, globalisation and digital technologies rapidly changing the face ...

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BANKING TRENDS THROUGH A MILLENNIAL LENS BANKING TRENDS THROUGH A MILLENNIAL LENS

whitepaper

Nov 30, 2017

Millennials have altered the landscape of banking, both in how they interact with their financial partners and in what they expect in an ongoing relationship. Financial institutions must adapt to win this generation and adjust their services and strategies to retain Millennials in the face of new an...

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Capdax Token CAPDAX TOKEN

whitepaper

Nov 30, 2017

The buzz around cryptocurrencies is booming and accelerating more quickly than ever, with more major media outlets covering new developments every day. With daily exposure in nearly every major newspaper and television station, it is clear that cryptocurrency is fast becoming mainstream. Not only is...

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Next Generation Financial Consolidations NEXT GENERATION FINANCIAL CONSOLIDATIONS

whitepaper

Nov 29, 2017

Corporate accounting has long been viewed as custodian and curator of financial data. However, whether it’s bringing the data together or distributing the financial results broadly, the financial consolidation process has long been an onerous drudgery of information assembly, validation, and r...

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Top 10 Trends in Capital Markets 2018 TOP 10 TRENDS IN CAPITAL MARKETS 2018

whitepaper

Nov 29, 2017

The Capital Markets industry is ripe for disruption as participants cope with increasing competition and a stricter regulatory environment. Ecosystem firms are leveraging emerging technologies to support their transition to new and differentiating business/operating models that will enable efficienc...

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The future of retail banking and the case for core transformation THE FUTURE OF RETAIL BANKING AND THE CASE FOR CORE TRANSFORMATION

whitepaper

Nov 29, 2017

This paper argues that the widespread uptake of disruptive new technologies is exacerbating the pressures facing retail banking today, thereby driving a fundamental change in the structure of the industry i.e. digital-driven disintermediation of the banking value chain. Most European banks are not e...

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How Banks Can Use Data To Improve Their Customer HOW BANKS CAN USE DATA TO IMPROVE THEIR CUSTOMER' EXPERIENCE

whitepaper

Nov 27, 2017

Read our banking infographic about capitalizing on the value big data analytics for banking. See how Pentaho Data Integration and Hitachi Content Platform gather, store, integrate and analyze bank customer data, and turn it into actionable insights. Many banks rely on a varied collection of business...

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APPLYING ARTIFICIAL INTELLIGENCE TECHNOLOGY TO REDUCE AML RISK FOR GLOBAL FINANCIAL INSTITUTIONS APPLYING ARTIFICIAL INTELLIGENCE TECHNOLOGY TO REDUCE AML RISK FOR GLOBAL FINANCIAL INSTITUTIONS

whitepaper

Nov 26, 2017

In recent years, financial institutions have navigated through a rising tide of regulatory obligations and compliance requirements related to anti-money laundering (AML), counter-terrorist financing (CTF), Bank Secrecy Act (BSA) and Know Your Customer (KYC). In response to increased scrutiny, and th...

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How Analytics is Transforming Financial Services HOW ANALYTICS IS TRANSFORMING FINANCIAL SERVICES

whitepaper

Nov 22, 2017

Digital disruption is affecting all parts of the economy, but a combination of factors within the financial industry makes the demand for mature analytics capabilities in that sector especially urgent. By their very nature, such companies face a number of tough data challenges including the need to ...

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