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Journal articles on the topic 'Financial services industry'

Author: Grafiati

Published: 4 June 2021

Last updated: 1 August 2024

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1

Barbopoulos, Leonidas G., Phil Molyneux, and John O. S. Wilson. "Earnout financing in the financial services industry." International Review of Financial Analysis 47 (October 2016): 119–32. http://dx.doi.org/10.1016/j.irfa.2016.07.001.

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2

Brophy, Richard. "Financial services education." Journal of Financial Regulation and Compliance 22, no. 2 (May 6, 2014): 78–95. http://dx.doi.org/10.1108/jfrc-10-2013-0037.

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Purpose – The purpose of this paper is to chart the development of financial services education from its origins in the insurance industry to the current offering for people who wish to work in the life and non-life insurance industry. Financial services education within Ireland has evolved over time. Originally perceived to be an outpost of the British Insurance Institute, it is the responsibility of a variety of institutes that operate in the financial sectors, covering a range which includes insurance, banking and credit unions. Where tertiary education was optional, it is now a requirement of the regulator that people working in this sector have achieved at least this standard. Additionally, specialist qualifications for those working in the industry are being developed with academic involvement, as the institutes work to provide professional qualifications. Design/methodology/approach – To compare and contrast the Irish regulatory requirements, an analysis of other European Union (EU) national requirements was conducted, illustrating differences in education and current certification requirements. Findings – Educational requirements in Ireland go a long way in terms of ensuring that workers in financial services are adequately skilled in terms of academic, professional, ethical and continuous professional development (CPD). The Irish system covers a lot of aspects of financial services minimum competency code that is implemented in other EU jurisdictions, and in some cases, it has a unique approach in CPD. Practical implications – Serves as a comparable study of minimum competency requirements of EU for financial services employees and highlights differences in requirements across borders. Originality/value – This is a unique study of minimum competency code that has been implemented by financial regulators across EU member states and its impact in the industry in terms of raising the requirements of people involved in the sector.

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3

Morley, Alfred C. "Financial Services Industry Analysis—An Overview." AIMR Conference Proceedings 1992, no. 4 (September 1992): 1–6. http://dx.doi.org/10.2469/cp.v1992.n4.1.

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4

Chirico, Alessandra. "Outsourcing in the Financial Services Industry." European Business Law Review 21, Issue 1 (February 1, 2010): 89–100. http://dx.doi.org/10.54648/eulr2010007.

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This short article analyses supervisory authorities’ responses to what they see as the most important risks related to outsourcing by banks in their country and how these risks have been mitigated through prudential regulation. It appears that many supervisors are concerned about the fact that banks lose direct control over outsourced activities, and see potentially high operational risks (i.e., business continuity threat or operational failures). In second instance, supervisors appear to share concerns that banks may lose certain internal skills and that they become too dependent on a small number of outsourcing companies. Indeed, a high concentration in the market for outsourcing with only a few service providers may lead to an excessive dependence and high switching costs. The MiFID provisions on outsourcing are central under this respect.

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5

Van den Berghe, Lutgart, and Kurt Verweire. "Convergence in the Financial Services Industry." Geneva Papers on Risk and Insurance - Issues and Practice 26, no. 2 (April 2001): 173–83. http://dx.doi.org/10.1057/palgrave.gpp.2500106.

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6

Murray, Noel, Ajay K. Manrai, and Lalita Ajay Manrai. "The financial services industry and society." Journal of Economics, Finance and Administrative Science 22, no. 43 (November 6, 2017): 168–90. http://dx.doi.org/10.1108/jefas-02-2017-0027.

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Purpose This paper aims to present an analysis of the role of financial incentives, moral hazard and conflicts of interests leading up to the 2008 financial crisis. Design/methodology/approach The study’s analysis has identified common structural flaws throughout the securitization food chain. These structural flaws include inappropriate incentives, the absence of punishment, moral hazard and conflicts of interest. This research sees the full impact of these structural flaws when considering their co-occurrence throughout the financial system. The authors address systemic defects in the securitization food chain and examine the inter-relationships among homeowners, mortgage originators, investment banks and investors. The authors also address the role of exogenous factors, including the SEC, AIG, the credit rating agencies, Congress, business academia and the business media. Findings The study argues that the lack of criminal prosecutions of key financial executives has been a key factor in creating moral hazard. Eight years after the Great Recession ended in the USA, the financial services industry continues to suffer from a crisis of trust with society. Practical implications An overwhelming majority of Americans, 89 per cent, believe that the federal government does a poor job of regulating the financial services industry (Puzzanghera, 2014). A study argues that the current corporate lobbying framework undermines societal expectations of political equality and consent (Alzola, 2013). The authors believe the Singapore model may be a useful starting point to restructure regulatory agencies so that they are more responsive to societal concerns and less responsive to special interests. Finally, the widespread perception is that the financial services sector, in particular, is ethically challenged (Ferguson, 2012); perhaps there would be some benefit from the implementation of ethical climate monitoring in firms that have been subject to deferred prosecution agreements for serious ethical violations (Arnaud, 2010). Originality/value The authors believe the paper makes a truly original contribution. They provide new insights via their analysis of the role of financial incentives, moral hazard and conflicts of interests leading up to the 2008 financial crisis.

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7

Cording, Margaret. "Compensation in the Financial Services Industry." Proceedings of the International Association for Business and Society 10 (1999): 791–802. http://dx.doi.org/10.5840/iabsproc19991071.

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8

DARLING, ALISTAIR. "GOVERNMENT AND THE FINANCIAL SERVICES INDUSTRY." Journal of Financial Regulation and Compliance 2, no. 2 (February 1994): 107–11. http://dx.doi.org/10.1108/eb024797.

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9

Van den Berghe, Lutgart, and Kurt Verweire. "Convergence in the Financial Services Industry." Geneva Papers on Risk and Insurance - Issues and Practice 26, no. 2 (April 2001): 173–83. http://dx.doi.org/10.1111/1468-0440.00064.

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10

Moshirian, Fariborz, Donghui Li, and Ah-Boon Sim. "Intra-industry trade in financial services." Journal of International Money and Finance 24, no. 7 (November 2005): 1090–107. http://dx.doi.org/10.1016/j.jimonfin.2005.08.006.

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11

Skees, S., and M. Tucker. "ELDER FINANCIAL EXPLOITATION: PERSPECTIVE FROM THE FINANCIAL SERVICES INDUSTRY." Innovation in Aging 1, suppl_1 (June 30, 2017): 366–67. http://dx.doi.org/10.1093/geroni/igx004.1335.

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12

Gupta, Atul, Jonathan Hatter, and Shivakumar Pinnoju. "E*Trade Financial Services." Journal of Business Case Studies (JBCS) 4, no. 2 (June 27, 2011): 1. http://dx.doi.org/10.19030/jbcs.v4i2.4752.

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The electronic age continues to grow and to offer new and more efficient forms of electronic trade and electronic commerce. As this evolution continues, it is no surprise that the online financial services industry is seeing both significant changes and new revenue potential. One of the players in the online financial services industry is E*Trade Financial Services. Launched in 1992, the company was a pioneer in online brokerage services. At its inception, E*Trades focus was on becoming Americas dominant deep-discount brokerage firm by fully automating the front and back-office trade processing function and maintaining its position as the low-cost provider. Today, E*Trade offers a diverse and integrated portfolio of services including deep-discount brokerage services, traditional banking services like checking and savings, and mortgage and equity services. E*Trade strives to provide a range of services that are consolidated under one website, to provide convenience, and to be accessible 24/7. E*Trade also provides the tools necessary to guide clients through their financial needs. E*Trade faces growing competition as the industry is facing self-destructive price-war and, thus to reduce the costs, undergoing huge consolidations. While the competition is tough, E*Trade has a strong presence and percentage of marketshare in the industry. The company has proven that it can attract customers and provide the information and tools that they require to manage their own portfolio. The self-directed investors and the individuals who want control of and access to their finances are the core customers of E*Trade, and the company caters to them in terms of products and services. Where will E*Trade go from here? Should the company continue to slash the fee and commission charges like others do, or should it diversify its services and focus on core revenue generator of brokerage services? These questions are addressed in this paper as well as the current market position and the types of services that are offered. The paper provides a snapshot of what E*Trade is, what it does, and where it is going.

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13

Hanif, Muhammad, and Muhammad Ayub. "Islamic financial services industry: Aspirations and achievements." Business Ethics, the Environment & Responsibility 31, no. 1 (November 25, 2021): 257–71. http://dx.doi.org/10.1111/beer.12406.

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14

Thwaites, Des, and Sharon C. I. Lee. "Direct marketing in the financial services industry." Journal of Marketing Management 10, no. 5 (July 1994): 377–90. http://dx.doi.org/10.1080/0267257x.1994.9964285.

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15

Thwaites, Des. "Corporate sponsorship by the financial services industry." Journal of Marketing Management 10, no. 8 (November 1994): 743–63. http://dx.doi.org/10.1080/0267257x.1994.9964319.

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16

Middaugh, J. Kendall. "Management control in the financial-services industry." Business Horizons 31, no. 3 (May 1988): 79–86. http://dx.doi.org/10.1016/0007-6813(88)90012-2.

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17

La Croix, Kevin, Merlin Stone, and Fola Komolafe. "Managing change in the financial services industry." Journal of Change Management 3, no. 1 (March 2002): 81–95. http://dx.doi.org/10.1080/714042519.

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18

Berger, Allen N. "The Integration of the Financial Services Industry." North American Actuarial Journal 4, no. 3 (July 2000): 25–45. http://dx.doi.org/10.1080/10920277.2000.10595922.

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19

Liu, Junlin. "Technological Innovation in the Financial Services Industry." Advances in Economics, Management and Political Sciences 23, no. 1 (September 13, 2023): 204–9. http://dx.doi.org/10.54254/2754-1169/23/20230380.

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With the rapid development of global network platforms and science and technology, some emerging financial technologies (Fintech) have been applied to commercial activities and promoted the development and evolution of business models to a certain extent. However, the problems exposed at the same time have not received full attention. Based on the application examples of financial technology (e.g., online payment, peer-to-peer lending, robo-advisor, and blockchain) collected this year and the comments of some authoritative persons, this paper will objectively analyze financial technology from the aspects of current situation, development potential, risks and limitations. The study found that although the lack of financial technology has significant advantages in business activities, its risks and limitations are also a major challenge to the future development of financial technology in a period of rapid development. Relevant technical personnel are needed, and the cooperation between enterprises and the government is the healthy and sound development of financial technology.

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20

Liang, Chiung-Ju, and Wen-Hung Wang. "How managers in the financial services industry ensure financial performance." Service Industries Journal 28, no. 2 (March 2008): 193–210. http://dx.doi.org/10.1080/02642060701842258.

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21

Birch, David, and Michael A. Young. "Financial services and the Internet ‐ what does cyberspace mean for the financial services industry?" Internet Research 7, no. 2 (June 1997): 120–28. http://dx.doi.org/10.1108/10662249710165262.

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22

Shi, Chuan, Rajesh Jugulum, Harold Ian Joyce, Jagmet Singh, Bob Granese, Raji Ramachandran, Donald Gray, Christopher H. Heien, and John R. Talburt. "Improving financial services data quality – a financial company practice." International Journal of Lean Six Sigma 6, no. 2 (June 1, 2015): 98–110. http://dx.doi.org/10.1108/ijlss-11-2013-0056.

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Purpose – This paper aims to propose a funnel methodology that selects business data elements for data quality improvement practices at a financial company. Data quality is crucial in post-crisis recovery of the financial services industry. This allows the bank to monitor its critical data assets and improve its business operation by Six Sigma engagement that benefits from the good quality of data. Design/methodology/approach – A funnel methodology is invented. It utilizes a rationalization matrix and statistical methods to identify critical data elements (CDEs) for data quality efforts from numerous candidates across business functions. The “Voice of the Customer” is achieved by including subject matter experts, whose knowledge and experience contribute to the entire process. Findings – The methodology eliminates redundancy and reduces the number of data elements to be monitored, so that attention becomes focused on the right elements. In addition, the methodology ensures that the conduct of the data quality assessment is framed within a context of the functional area’s business objectives. Originality/value – Measuring and improving data quality form a solid foundation of every Six Sigma engagement. When presented with large data elements, determining what to measure can be an arduous task. Having a proven systematic and valid process to reduce the CDE candidate pool becomes an operational necessity of paramount importance, and this justifies the value of the proposed methodology. Its implementation is described by a Basel II case study. The methodology is not restricted to financial services industry, and can be used readily in any other industry that requires data quality improvement.

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23

Erickson, Scott, and Helen N. Rothberg. "Intangible dynamics in financial services." Journal of Service Theory and Practice 26, no. 5 (September 12, 2016): 642–56. http://dx.doi.org/10.1108/jstp-04-2015-0093.

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Purpose The purpose of this paper is to examine a range of metrics concerning knowledge and related intangible assets in financial service industries. The metrics are then analyzed according to theory from several disciplines so as to better understand intangible dynamics, the relationship between different intangibles. Guidance is provided in terms of valuing knowledge and pursuing competitive intelligence (CI) based on the unique characteristics of financial services intangibles. Design/methodology/approach Data are drawn from a large database and supplemented with other sources. The primary database includes a considerable collection of publicly available financial results combined with proprietary data from a CI consultancy. Results on knowledge asset-levels and CI activity, by industry sector, are presented as well as the degree to which big data is employed. Findings Financial services show high levels of big data, low levels of knowledge assets, and high levels of CI activity. In some ways, these differing valuations of intangibles by different parties are counterintuitive, but they can be explained with reference to theory and a deeper understanding of the intangible dynamics. Research limitations/implications The results allow a deeper understanding of the relationship between data, information, knowledge (explicit and tacit), and intelligence in a specific industry. Given the uniqueness of the financial services results, these findings provide considerable insight into how intangibles strategies and applications can differ by industry. Practical implications These results provide direction to financial services decision-makers concerning investment in knowledge management systems (limited), CI initiatives (aggressive), and big data (aggressive). Originality/value The paper brings unique data to the table and brings together theory from a number of disparate fields of study, providing a different perspective on the interplay of knowledge, intelligence, and data in financial services.

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24

Johan, Suwinto. "Sanctions in Financial Services: Developing a Conducive Culture in Financial Industry in Indonesia." Humaniora 13, no. 1 (February 15, 2022): 9–15. http://dx.doi.org/10.21512/humaniora.v13i1.7309.

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The research proposed adjustments to sanctions for criminal acts in the financial services industry in accordance with Law No. 21/2011. Based on the Law of the Republic of Indonesia No. 21/2011, the Indonesian Financial Services Authority (FSA) had the authority to regulate the financial industry in Indonesia. FSA had enormous capacity, including the authority to impose criminal sanctions in the financial services industry. However, criminals in the financial sector still recurred after establishing the OJK. One of financial services industry crimes began with Bank Indonesia Liquidity Assistance due to the 1998 Asian crisis, and the crisis due to the COVID-19 pandemic had resulted in several criminal acts in the financial industry such as the Bank Bukopin case and several cases of insurance companies such as Jiwasraya insurance. The research applied a normative juridical method. It concludes that criminal sanctions in the financial services industry can be imposed on individuals and/or corporations. This criminal sanction is imposed if someone deliberately ignores, does not fulfill, or hinders the exercise of the FSA's authority or deliberately ignores and/or does not carry out the FSA's written orders. A person's definition needs to be clarified in his/her position at a financial service institution to be subject to a criminal offense.

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25

Weale, Martin. "Commentary: Growth Prospects and Financial Services." National Institute Economic Review 207 (January 2009): 4–9. http://dx.doi.org/10.1177/0027950109103667.

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Over the past twenty years the expansion of the British economy has been supported by growth in the financial services industry. With the onset of the financial crisis it seems most unlikely that the financial services industry can, in the future, act as the sort of motor of growth that it had done in the past. This commentary provides an overview of the role of the financial services sector in the economy over the past twenty years and assesses likely developments in the future. It first assesses the contribution of the sector to the economy and then considers the issues surrounding its likely shape in the future.

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26

Plihon, Dominique. "What Prudential Surveillance for the Financial Services Industry?" Revue d'économie financière (English ed.) 60, no. 5 (2000): 17–31. http://dx.doi.org/10.3406/ecofi.2000.4502.

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27

Landau, Jean-Pierre, and Jean Tricou. "The financial services industry : new environment, new Stakes." Revue d'économie financière (English ed.) 57, no. 2 (2000): 111–17. http://dx.doi.org/10.3406/ecofi.2000.4729.

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28

Bogle, John C., and Christopher C. Davis. "The Way Forward: Rebuilding the Financial Services Industry." CFA Institute Conference Proceedings Quarterly 27, no. 3 (September 2010): 1–8. http://dx.doi.org/10.2469/cp.v27.n3.5.

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29

Oeser, Tobias. "Dynamic Capabilities in the German financial services industry." European Journal of Management Issues 26, no. 3-4 (December 25, 2018): 92–102. http://dx.doi.org/10.15421/191810.

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Purpose. The purpose of this work is to investigate processes constituting to Dynamic Capabilities in companies of the German financial services industry. Design/Method/Approach. Exploratory with a qualitative approach and a multiple case study method. Findings. The results indicate a connection of Dynamic Capabilities and the dynamism of the environment. The actual Dynamic Capabilities seem to operate in business model related activities, such as distribution channels, but not in product development. Theoretical implications. Suggestions are given for the development of a comparative measurement concept for Dynamic Capabilities. furthermore, the inclusion of environmental dynamism in the research is emphasized. Practical implications. Firms can use the structure of sensing, seizing and reconfiguration and apply the dimensions for the relational measurement to evaluate their innovation activities. Originality/Value. Connections of Dynamic Capabilities to the environmental dynamism were found. Furthermore, the process lens of this research makes the theoretical concept of dynamic capabilities more graspable and gives suggestions for an operationalization. Paper type – empirical.

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30

Malhotra, Rashmi, D. K. Malhotra, and C. Andrew Lafond. "Analysing financial services industry using data envelopment analysis." International Journal of Applied Management Science 1, no. 3 (2009): 217. http://dx.doi.org/10.1504/ijams.2009.023703.

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31

Piercy, Nigel, and Neil Morgan. "Marketing Organisation in the UK Financial Services Industry." International Journal of Bank Marketing 7, no. 4 (April 1989): 3–10. http://dx.doi.org/10.1108/02652328910132006.

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32

Hughes, Thomas M. "The Global Financial Services Industry and the Blockchain." Journal of Structured Finance 23, no. 4 (January 22, 2018): 36–40. http://dx.doi.org/10.3905/jsf.2018.23.4.036.

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33

Boléat, Mark. "The insurance industry and the Financial Services Authority." Journal of Financial Regulation and Compliance 6, no. 1 (January 1998): 70–74. http://dx.doi.org/10.1108/eb024958.

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34

Wellauer, Thomas. "The Insurance Industry in the Financial Services Market." Geneva Papers on Risk and Insurance - Issues and Practice 24, no. 3 (July 1999): 291–99. http://dx.doi.org/10.1111/1468-0440.00020.

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35

Lapierre, Jozée. "Managing for quality in the financial services industry." Journal of Retailing and Consumer Services 1, no. 1 (July 1994): 58–59. http://dx.doi.org/10.1016/0969-6989(94)90032-9.

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36

Hussain, Mostaque, and A. Gunasekaran. "Activity‐based cost management in financial services industry." Managing Service Quality: An International Journal 11, no. 3 (June 2001): 213–26. http://dx.doi.org/10.1108/09604520110391324.

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37

Grosse, Robert. "The future of the global financial services industry." International Executive 39, no. 5 (September 1997): 599–617. http://dx.doi.org/10.1002/tie.5060390506.

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38

Janson, Robert. "Achieving service excellence in the financial services industry." National Productivity Review 8, no. 2 (1989): 129–44. http://dx.doi.org/10.1002/npr.4040080206.

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39

Kshetri, Nir. "Generative Artificial Intelligence in the Financial Services Industry." Computer 57, no. 6 (June 2024): 102–8. http://dx.doi.org/10.1109/mc.2024.3382452.

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40

Lawler, James, Zheng Li, Nasir Javed, Dennis Anderson, Jonathan Hill, and Hortense Howell-barber. "A Study of Web Services Projects in the Financial Services Industry." Information Systems Management 22, no. 1 (December 2005): 66–76. http://dx.doi.org/10.1201/1078/44912.22.1.20051201/85740.8.

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41

Gupta, A. K., and G. Westall. "Distribution of financial services." Journal of the Institute of Actuaries 120, no. 1 (1993): 25–65. http://dx.doi.org/10.1017/s0020268100036854.

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AbstractThe historic barriers between the different companies which comprise the financial services industry are breaking down. In order that organisations may prosper in the new environment the relationships between products, distribution and clients need to be understood. A theory is developed to explain the historic position and the dynamics of the current environment and indicate future trends. The conclusion is that successful organisations will be those which fully understand and specialise in a limited number of sectors, and those who start with a clientbase and a distribution system which will not inhibit the introduction of other distribution methods so that they can become multi-product and multi-distribution organisations. Finally, the paper explores the relationships between pricing policy and distribution by means of distribution chains to determine the point and degree of price sensitivity.

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42

Gupta, A. K., and G. Westall. "Distribution of Financial Services." Transactions of the Faculty of Actuaries 44 (1992): 24–63. http://dx.doi.org/10.1017/s007136860001020x.

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AbstractThe historic barriers between the different companies which comprise the financial services industry are breaking down. In order that organisations may prosper in the new environment the relationships between products, distribution and clients need to be understood. A theory is developed to explain the historic position and the dynamics of the current environment and indicate future trends. The conclusion is that successful organisations will be those which fully understand and specialise in a limited number of sectors, and those who start with a clientbase and a distribution system which will not inhibit the introduction of other distribution methods so that they can become multi-product and multi-distribution organisations. Finally, the paper explores the relationships between pricing policy and distribution by means of distribution chains to determine the point and degree of price sensitivity.

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43

Wea, Chi-Lin. "Financial Services and International Competitiveness of the Taiwan Industry." Review of Pacific Basin Financial Markets and Policies 04, no. 03 (September 2001): 311–24. http://dx.doi.org/10.1142/s0219091501000565.

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In order to cope with the changing financial landscape, the government in Taiwan has put forth financial reform measures and supplementary packages. In this paper, we shall discuss four main themes including the establishment of Asset Management Company/Resolution Trust Corporation to help financial institutions quickly clear up bad loans, the disclosure of open public financial information to increase market transparency, the set up of a Financial Supervisions Commission to unify the work of financial supervisions and financial examinations, and the promotion of merger, shareholdings, and alliances among financial institutions to raise the competitive power of Taiwan banks in international financial markets. Each topic begins with a description of the current status, government policies and strategies, and then brings up some issues worth discussing.

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44

Johan, Suwinto, and Sugiarto Sugiarto. "Who Should Regulate The Industry of Financial Technology?" Pandecta Research Law Journal 17, no. 1 (July 4, 2022): 70–77. http://dx.doi.org/10.15294/pandecta.v17i1.34048.

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Financial technology (fintech) has outgrown its capacity. Industry supervision and consumer protection have become a challenge. Until now, the Indonesian Financial Services Authority (OJK) has been considered responsible for supervising the financial technology industry. The purpose of this research is to determine whether the Indonesian Financial Services Authority is capable of leading the fintech industry and whether a separate agency to oversee the fintech industry is necessary. This study employs a normative juridical methodology. This study examines the entire financial industry. According to this research, the Indonesian Financial Services Authority lacks the authority to regulate the fintech industry. The government should enact special legislation and regulations to govern the fintech industry. The regulator must consider creating a separate agency to supervise the fintech industry, similar to the Indonesian Financial Services Authority. This particular agency is comprised of individuals with ties to the financial sector, the telecommunications industry, and other law enforcement personnel.

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45

Meena, Rajesh. "The Impact of Financial technology on Financial Services: A Comprehensive Analysis." RESEARCH REVIEW International Journal of Multidisciplinary 8, no. 3 (March 14, 2023): 185–92. http://dx.doi.org/10.31305/rrijm.2023.v08.n03.022.

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Financial technology refers to the integration of technology into financial services, creating new opportunities for businesses and consumers. Financial technology companies offer a variety of products and services, including online banking, digital wallets, mobile payments, peer-to-peer lending, and crowd funding. These services are typically faster, cheaper, and more convenient than traditional financial services, and they also cater to underserved communities. Financial technology has grown due to technological advancements, changes in consumer behavior, and growing demand for transparent and efficient financial services. While financial technology has disrupted the traditional financial services industry, it still faces challenges such as regulatory compliance and cyber security risks. This paper provides an overview of the evolution of financial technology, key players, challenges and opportunities, and future outlook in financial services. It highlights the impact of financial technology on financial services, including competition, customer experience, and access to financial services, cost reduction, and innovation. It also addresses the regulatory and cyber security challenges faced by financial technology companies, as well as the potential for further growth and development. Overall, the paper emphasizes that financial technology has revolutionized the financial services industry, creating new opportunities for businesses and consumers.

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46

Ayasha, Namira Anezka, and Raden Aswin Rahadi. "THE INFLUENCE OF FINANCIAL LITERACY ON WOMEN’S WEALTH IN BANDUNG, WEST JAVA." Advanced International Journal of Banking, Accounting and Finance 3, no. 8 (September 1, 2021): 16–27. http://dx.doi.org/10.35631/aijbaf.38002.

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The current state of the financial industry is starting to provide various products and services to help individuals overcome their financial difficulties. To pursue the expansion of the financial industry, individuals must be financially literate in helping them manage their financial products and services. This paper aims to determine factors of financial literacy that influence women’s wealth accumulation. This research produced a simple conceptual framework on the relationship between financial literacy and women’s wealth accumulation based on literature synthesis. The framework suggested that financial knowledge, financial behaviour, and financial attitude will influence financial literacy. In contrast, as moderating factors, demographics will also influence women’s financial literacy. Thus, financial literacy will influence wealth accumulation.

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Dattatreya, Manoj Meenakshi Babu. "The Role of FSO in Financial Services." International Journal for Research in Applied Science and Engineering Technology 12, no. 4 (April 30, 2024): 4904–11. http://dx.doi.org/10.22214/ijraset.2024.60785.

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Abstract: This paper explores the critical role of Full Stack Observability (FSO) in the financial services industry, discussing its significance in addressing key challenges such as security, fraud detection, real-time transaction monitoring, compliance, and customer experience. The adoption of FSO tools has been increasing steadily, with industry reports projecting the FSO market in financial services to grow at a CAGR of 18.3% from 2021 to 2026. The paper presents real-world success stories of financial institutions that have implemented FSO solutions, showcasing the tangible benefits such as enhanced cybersecurity, optimized transaction processing, and improved customer satisfaction. The paper also highlights the importance of FSO in enabling financial institutions to navigate the complex regulatory landscape, streamline operations, and drive innovation in an increasingly digital world. As the financial services industry continues to evolve and embrace new technologies, the adoption of FSO is becoming a strategic imperative for organizations looking to stay competitive and deliver exceptional customer experiences.

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Colombage, Sisira. "Financial Technology (Fintech) and Sustainable Financing: A New Paradigm for Risk Management." Journal of Risk and Financial Management 16, no. 12 (December 5, 2023): 502. http://dx.doi.org/10.3390/jrfm16120502.

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Magomadov, Musa V., Yusup M. Ibragimov, and Rimma S. Zaripova. "FINTECH INNOVATION AND THE FUTURE FINANCIAL SERVICES." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 11/5, no. 140 (2023): 95–102. http://dx.doi.org/10.36871/ek.up.p.r.2023.11.05.011.

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This article provides a comprehensive overview of the evolution and impact of fintech innovations on the financial industry. The introduction explores the significance of fintech innovations in the modern world and their relevance to the future of the financial sector. The author extensively investigates key directions in fintech innovations, including blockchain, artificial intelligence, digital payments, robotic financial consultations, and innovations in lending. The article also sheds light on the transformation of the banking sector, security challenges, and regulation in the context of fintech technologies. The importance and prospects of fintech innovations for the future financial landscape are emphasized, highlighting their role in shaping a more flexible, competitive, and customer-oriented industry.

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Che, Xinwei, Hui Bu, and John J. Liu. "A Theoretical Analysis of Financial Agglomeration in China Based on Information Asymmetry." Journal of Systems Science and Information 2, no. 2 (April 25, 2014): 111–29. http://dx.doi.org/10.1515/jssi-2014-0111.

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AbstractThe development of financial centers can illustrate continuous significance of geography. This paper regards financial services industry as a special kind of industry, and establishes a multi-region model to discuss the formation mechanism and equilibrium of finance agglomeration. Our findings suggest emergence of finance agglomeration depends on opportunity costs caused by information asymmetry, economies of scale, the share of financial services industry in economy and the amount of financial information. The results of numerical examples declare the same conclusions that effects of information asymmetry would push financials firms closer to an information source in order to find and interpret non-standardized information that a financial firm can use to make profit. And the agglomeration of real sector industry will enhance the agglomeration of finance. Finally, this paper puts forward a ratio, related with the opportunity costs, which could be regarded as a measure of whether the central area is an information center.

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