Infrastructure and Finance: Evidencefrom India's GQ Highway Network

June 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 increase in loan count and average loan size in districts along the GQ highway network using stringent speciÖcations with industry and district Öxed e§ects. Our results hold in straight-line IV frameworks and are not present in ëplacebo testsíwith another highway that was planned to be upgraded at the same time as GQ but subsequently delayed.

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Together- loans, mortgages & finance

For more than 40 years, we've been going to great lengths to find financial solutions that meet our clients' individual needs. Over the years, our services diversified and our portfolio of brands expanded to reflect increasingly competitive markets and customers’ changing needs. Many brands serviced niche markets, giving us a wide range of innovative products...

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How Digitization is Driving Bank M&A and Improving Performance

whitePaper | October 21, 2021

During the pandemic banks had to experiment and take risks that under normal circumstances they would never have considered in order to keep operations up and running, such as rapidly deploying a range of digital tools. To the surprise of many, employees and customers enthusiastically embraced these digital offerings, accelerating technology maturity and adoption by several years. Banks suddenly had hard evidence that digitizing operations could bring enormous efficiency and scale advantages while actually serving customers with greater personalization. These insights, in addition to capitalization changes, are contributing to a new wave of M&A activity in the U.S. as banks look to scale up quickly as the economy emerges from the pandemic. There were more than 50 deals in the first four months of 2021 with a total value of almost $25 billion, up from $6.5 billion in the same period in 2020, according to an S&P Global report.

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Weathering the storm of ESG complexity by leveraging AI

whitePaper | October 6, 2021

ESG investing has grown exponentially in the last decade and is estimated to be somewhere between 35.31 to 40.52 trillion USD (according to the GSIA, 2021, and OPIMAS, 2020). The ESG investment industry is constantly in transition, with rapid developments across ESG strategies, approaches, and technologies reshaping the industry towards best standards of practice. This transition is leading to variations in the scale and growth of sustainable investment in different regions, according to GSIA. Many regions continue to see strong growth in sustainable investment assets under management – most notably Canada, the United States and Japan. Other regions are slowing down their rate of growth or have seen a reported reversal – in particular Europe and Australasia. In both cases, this is largely due to changes in how sustainable investment is defined, either by law as in the case of the EU, or by new industry standards as is the case in Australasia.

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whitePaper | January 24, 2020

Although the wealth management industry is in agreement on the importance of digital innovation, few organizations manage to achieve any business value from their transformation initiatives. This is because most wealth management firms pursue digital transformation as a feature selection exercise, implementing stop-gap solutions that address a pressing need to keep up with competitors or consumer trends. As a result, firms are left with digital capabilities that are basic, disconnected and insufficient to meet clients’ needs.

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NAVIGATING CRYPTO: How financial intermediaries can integrate cryptoassets

whitePaper | June 7, 2022

When the Bitcoin protocol came into existence in January 2009, it was introduced as a peer-to-peer version of cash that would eliminate the need for financial institutions and other trusted intermediaries. Many of the early adopters of Bitcoin and other cryptoassets that have come since have viewed these innovations as a means to disrupt the traditional banking system.

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Behavioral Finance for Financial Advisors

whitePaper | November 20, 2019

Here’s to the advisors who empower the world to invest fearlessly. You’re the real heroes, and that’s why we believe the financial advisor is someone worth betting on deep into the future. Thank you— we couldn’t have built this movement without you.

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Spotlight

Together- loans, mortgages & finance

For more than 40 years, we've been going to great lengths to find financial solutions that meet our clients' individual needs. Over the years, our services diversified and our portfolio of brands expanded to reflect increasingly competitive markets and customers’ changing needs. Many brands serviced niche markets, giving us a wide range of innovative products...

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