Articles on Banking

This article describes the evolution of modern day banking. The emergence of central banks and fractional reserve system of banking has also been described in this article.

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This article provides the history behind central banking in the United States. It also explains why the two central banks established earlier failed and why the Federal Reserve has succeeded.

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This article described the core functions of a central bank. It lists down some of the most important functions that help the central bank maintain decorum and stability in the economy.

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This article explains the rationale behind reserve requirements. It also explains how the purpose behind reserve requirements has undergone a massive change after the introduction of central banking.

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This article provides information about what is credit reporting. It also provides information regarding how credit scores are calculated and what is not included in these scores.

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This article provides information about how technology has changed the channels through which banking service is delivered. It explains how human labor is being replaced by automated systems and machines.

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This article provides the rationale behind the usage of the supposedly expensive credit cards by merchants. It also explains the roles of the different parties that are involved in a credit card transaction.

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This article provides information about the various sources from which banks generate non interest income. It also explains why such income is important and how the composition of such income has changed over the years.

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This article lists down the risks that are faced by banking institutions. It discusses the business processes that give rise to such risks and the measures that are usually taken by banks to mitigate them. It also explains why some of these risks cannot be avoided despite the banks best intentions.

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This article provides a brief on the ongoing Kingfisher bankruptcy saga. It showcases the loopholes in the banks due diligence process that has possibly led to and contributed to this fiasco.

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This article provides information about the evolution of Islamic banking. It also lists down the various types of products which are offered by Islamic banks and explains how they are compliant with the Sharia law.

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This article lists down the various types of demand deposit products that are offered by banks. It also explains about the interest rates being offered by such products as well as the regulations that apply to them.

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This article provides information about certificates of deposits (CDs) as an investing tool. They also provide information about the various types of CD’s that are available in the market and the unique benefits that they offer.

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This article describes the history of the Basel Accord. It explains the salient features of each of the three Basel accords and how the Basel standards have improved over the years.

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This article explains the concept of internet only banks. It also lists down some of the advantages and disadvantages of transacting with such a bank.

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This article explains the concept of peer to peer lending. It also explains how these companies have proliferated the marketplace and how they are different from traditional banking. Compliance issues are also discussed in this article.

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This article analyses whether breaking the “too big to fail” banks of United States will reduce the moral hazard problem that is being faced by these banks. It draws historical precedent from the Great Depression to prove that breaking the banks won’t be of much use.

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This article explains how banks rigged the LIBOR and benefited from it. It also lists down the changes that have been made to the LIBOR system prevent such an occurrence in the future.

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This article explains the functioning of a cashless society. It explains the premise of crime free society which is touted as the primary reason for this transition. An analysis of the pros and cons of the system have also been included in the article.

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This article explains the possibility that there may be sinister motives behind the introduction of a cashless society. It also explains the possible harm that this cashless society can do and how it can be hijacked given the dismal macroeconomic scenario.

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This article explains the concept of Asset Reconstruction Companies. It also explains the legal and regulatory guidelines that govern the business practices of these companies.

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This article provides information about the state of the art lockbox service that is provided by the banks in the United States. Under this service, the bank manages accounts receivables on behalf of the customer. This article also lists down the advantages of using the lockbox system.

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This article explains the treasury functions at banks. It explains the importance of such functions and also lists the various tasks that need to be performed at the treasury department.

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This article explains the concept of hire purchase. It also describes the situation in which this arrangement can be used and how hire purchase is different from an amortizing loan.

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This article explains how China is making predatory loans in the South Asian region. It explores the possible motives behind these loans and lists down the cases of Sri Lanka and Pakistan.

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This article explains what Fintech is. It also explains how this sector was created. Some of the biggest investors in Fintech have been mentioned in this article. The article also lists down reasons why Fintech companies have got the traditional banking sector worried.

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This article explains the concept of peer to peer lending. It lists down the purpose of these loans. Then it also lists down the advantages and disadvantages of P2P lending.

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