Securitization: A Transaction with Endless Possibilities
Securitization has come a long way since its first appearance in the U.S. home mortgage markets during the 1970s. It has evolved with time, and in the process, has taken various shapes and forms, but...
View ArticleThe Evolving Role of the Branch Channel
The obituaries for the branch quickly followed the advent and rapid proliferation of new-age banking channels – that are available anywhere, anytime and to anybody. Channel banking, which was hitherto...
View ArticleFrom Technology Driving Banking Development to the Other Way Around
This thought paper traces banking history all the way back to the days of manual banking operations and the challenges they posed. It also explores the development of banking technology and its...
View ArticleTransformation: The Bridge to an Enterprise's Future
Whether the intention is to expand capabilities, boost efficiency, or improve profitability, business transformation has become a way of corporate life. The successful delivery of a business...
View ArticleThe Right Treasury System for Basel III
Responding to one of the worst financial crises in history, regulators made some major changes in the way banks are regulated. One of these regulations, the Basel III accord, has far-reaching...
View ArticleMobility in Trading and Capital Markets: A Real Thing or a Fad?
Why organizations have not really pushed for mobility for treasurers is quite flummoxing. By facilitating mobility, organizations stand to gain a great deal. It will help effectively utilize traders’...
View ArticleWhy India needs Islamic banking
This thought paper provides a quick summary of the facts around Islamic banking, highlights why India needs it, and its challenges in India.
View ArticleThe big deal of big data
Big data has inspired the development of a large number of technologies to support aggregation, manipulation, and visualization, and draws on diverse sciences such as statistics, computer science, and...
View ArticleSay goodbye to banking inconvenience, hello to KYC portability
This paper explores a possible route to know your customer (KYC) portability – the establishment of a central repository that is tasked with assigning a unique identity to every bank account holder....
View ArticlePrevention of fraud in inward clearing
This paper gives an overview of the fraud that paper-based and electronic banking transactions are prone to. Currently, banks alert customers after, and not before, their accounts are debited. The...
View ArticleGreen solutions for banking
The bank, like every other organization, is implementing eco-friendly practices in its day-to-day operations. As a prime mover of economic growth and industrial activity, the bank is well-placed to do...
View ArticleReach for the clouds
Technology circles are seeing lots of excitement around ‘cloud computing’, which means provisioning and using hardware and software over the Internet, leveraging Web technologies. This simple business...
View ArticleBanking CRM for the microfinance industry
The microfinance industry faces major challenges. However the changes brought about by the industry in terms of successful implementations and functioning are considerably greater, and hence it is...
View ArticleIndia’s changing middle class tastes whet the appetite for automobile finance
Automobile loans were not so common in India until the 1990s, and were mostly restricted to the affluent. All that changed around 20 years ago with the liberalization of the Indian economy, which led...
View ArticleMicrofinance: implementation and policy challenges
This paper provides an overview of the microfinance business, the models practiced in many countries and their challenges, as well as some ideas for improvement.
View ArticleMobile Banking: Moving Beyond Microfinance
Only 40% of rural households in India have access to formal lending institutions. The rest live in financial oblivion and when in need of credit, have to depend on moneylenders. Microfinance is one way...
View ArticleCore banking transformation: 2012 and beyond
This paper analyzes the key features of an effective core banking implementation and the challenges therein, as well as traces the progress, all the way from implementation to transformation – and beyond.
View ArticleThe local bank in your hand
It is cost effective. It helps generate revenue and has unparalleled reach. Above all, it is a rich source of consumer insight. No wonder, mobile banking is on the innovation agenda of every bank.
View ArticleNext generation online Islamic banking portals
Islamic Banking is set for a steady growth, with global assets expected to cross $2 trillion by 2015. Research suggests that half of the global population that follows Islam would opt for Islamic...
View ArticleCard-based virtual wallet transactions at no cost!
This thought paper explores the idea of a world without physical money, built around a card-based transaction system that will support a pre-charged card or card-based virtual wallet. The system will...
View ArticleChallenges faced by bank treasury systems in handling structured products
Structured products are hybrid financial instruments designed through combination of a bond / deposit / swap with one or more derivatives. They are aimed at providing a customized risk-return...
View ArticleGreen Banking
With the ‘go green’ mantra permeating all spheres of life, the banking sector too has adopted sustainable practices to reduce its carbon footprint. Collectively termed ‘green banking,’ these...
View ArticleStrategizing core banking products
This paper provides a deep understanding of the complex task of designing core banking products, and the strategies that software providers adopt to address the intricacies involved.
View ArticleLayered analytics – An integrated approach
Banks are now realizing the power of data available to them, which could help in predicting future business and defining growth strategies. Research suggests that analytics is going to be one of the...
View ArticleWhy banks are turning to analytics?
Banks are becoming increasingly aware that the future of their business depends on what they do with their data. This in mind, more and more banks are investing in technologies that can help them...
View ArticleBasel III challenges: Operational Data Store defines a solution
In the light of recession, which had devastating consequences, Basel III aims to create more resilient individual financial institutions. This in turn can lead to a far more stable financial sector. By...
View ArticleBank@post office: a global trend
Small savings are essential for any country. They form an important source of budgetary resources for the government, which uses these funds for developmental activities. Most governments are cognizant...
View ArticleNostro reconciliation: how it works in a bank
The account maintained by a bank with another bank is known as a Nostro account, and the statement which it receives from the bank with which it maintains accounts is known as a Nostro account...
View ArticleRisk of other programs disrupting a core banking transformation program
This paper illustrates the different challenges that surface during a core banking transformation program because of other transformations happening in parallel.
View ArticleMoving towards agility
Both the solution provider and the bank face a dilemma when it comes to replacing core banking. A fear of failure has gripped the IT transformation of the big names in the banking industry. If the rate...
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