Articles on Commercial Banking

What is Commercial Banking?

This article explains the concept of commercial banking. It compares commercial banking with retail banking and investment banking in order to provide more clarity. It also explains the need for commercial banking.

Types of Products Offered by Commercial Banks

This article explains the various products and services which are provided by commercial banks to their customers. A basic introduction of the various services and products has been provided in this article.

Market-Based Vs Bank-Based Financial Systems

This article explains the concept of bank-based financial systems and compares it with market-based financial systems. It explains why bank-based financial systems provide more opportunities for commercial banks to thrive and flourish.

How do Commercial Banks Help in Processing Payments?

This article explains the concept of payment services. It explains the various types of payment services that are provided by commercial banks. It also explains the technical aspects of these payment services provided by banks.

Fraud Prevention Using Positive Pay

This article explains the concept of positive pay. It explains how positive pay works and also explains how to reverse positive pay works. Finally, the advantages and disadvantages of positive pay have been listed.

Check Printing and Mailing Services offered by Commercial Banks

This article explains the concept of Check Printing and Mailing Services offered by Commercial Banks. It explains the various variations of checking printing and mailing services. It also explains the benefits that corporations derive by using such services.

Reverse Factoring - Meaning and its Benefits

This article explains the concept of reverse factoring. It explains how to reverse factoring helps companies manage their supply chain debt. It also explains the various advantages of using reverse factoring.

Multi-Currency Accounts

This article explains the concept of multi-currency accounts. It explains how multi-currency accounts are operated. It also lists down the various benefits which are derived by corporations from multi-currency accounts.

Treasury Management Services

This article explains the concept of managed treasury services. It explains what managed treasury services are and also explains why many corporations outsource their core treasury operations to a commercial bank.

Remote Deposit Capture (RDC)

This article explains the concept of remote deposit capture. It explains the functionality of remote deposit capture. Lastly, it also lists down the various benefits that companies derive when they deploy remote deposit capture.

Risks Associated with Remote Deposit Capture

This article explains the various risks involved with remote deposit capture. It explains how remote deposit capture can expose a corporation as well as commercial banks to a wide variety of frauds.

What is Bank Guarantee? - Different Types of Guarantees

This article explains the concept of bank guarantees. It explains how bank guarantees work. It also explains the various types of bank guarantees which are issued by banks all over the world.

Pros and Cons of Bank Guarantees

This article lists the pros and cons of bank guarantees. The article explains the various ways in which bank guarantees have a positive as well as negative impact on corporations across the world.

What are Corporate Credit Cards? - Different Types of Cards

This article explains the concept of corporate credit cards. It also explains the various types of credit cards. The fees and charges associated with corporate credit cards have also been explained in this article.

Benefits of Corporate Credit Cards

This article explains the main benefits of using corporate credit cards. The article explains the various ways in which corporate credit cards are useful to large corporations.

Relationship Banking in Commercial Banking

This article explains the concept of relationship banking in the context of commercial banking. It compared commercial banking with retail banking and explains why it is imperative for commercial banks to adopt the relationship banking model. The various benefits of using this model have been listed in the article.

Pros and Cons of Relationship Banking

This article explains the pros and cons of relationship banking. The details of all pros and cons as well as the impact that they have on the overall business have been explained in detail in this article.

Point of Sale (PoS) System - Meaning, Importance and Benefits

This article explains the concept of point-of-sale systems. It explains the purpose of a point-of-sale system. It also explains how commercial banks generate revenue from point-of-sale systems.

Next Day Funding - Meaning and its Benefits

This article explains the concept of next-day funding. It also explains how next-day funding works and why it is an important part of commercial banking. Lastly, it explains some of the benefits related to next-day funding.

Data Analytics in Commercial Banking

This article explains how data analytics is increasingly becoming relevant in commercial banking. This article explains the various ways in which data mining and other data analytics techniques are revolutionizing the commercial banking industry.

The Role of Commercial Banks In Liquidity Management

This article explains the concept of liquidity management. It explains why liquidity management is important for the corporation. It also explains the various ways in which commercial banks can provide better liquidity management services to their clients.

Real-Time Liquidity - Meaning, Importance and Challenges

This article explains the concept of real-time liquidity. It explains why real-time liquidity is important for corporate clients. The article also enumerates the various challenges being faced by commercial banks in providing real-time liquidity.

Notional Pooling - Meaning, Advantages and Disadvantages

This article explains the concept of notional pooling and how it works. It also provides a detailed explanation of the pros and cons of notional pooling.

Sweeping - Meaning, Need and Types

This article explains the concept of sweeping and how it is used in liquidity management. The article also explains the different variations of sweep which are being offered by commercial banks to their corporate clients.

Automated Intercompany Loans

This article explains the concept of intercompany loans. It explains why intercompany loans are required. It also explains how commercial banks help in making intercompany loans and what are the benefits that a corporation derives during the process.

Multi Bank Cash Concentration

This article explains the concept of a multi-bank cash concentration system. It explains how the multi-bank cash concentration system works. It also explains the various ways in which corporations benefit when they use this service.

Swingline Loans - Meaning, Need and Its Alternatives

This article explains the concept of Swingline loans. It compares Swingline loans with other types of loans. The characteristic features of Swingline loans have also been explained in this article.

Advantages and Disadvantages of Swingline Loans

This article explains the pros and cons of Swingline loans. The various pros and cons of this approach have been listed along with the ways in which they impact the organization.

Business Lines of Credit

This article explains the concept of business lines of credit. It also explains how a line of credit is different from term loans offered by the bank. Lastly, it mentions the pros and cons of a line of credit.

Merchant Cash Advance

This article explains what merchant cash advance is. It explains the various ways in which commercial banks offer this product. It also explains why the merchant cash advance is classified as an advance and not a loan.

Pros and Cons of Merchant Cash Advance

This article explains the various pros and cons of merchant cash advances. The detailed analysis of the various points and how they affect the business has been explained in this article.

Credit Evaluation by Commercial Banks

This article explains the concept of credit evaluation. It explains how the credit evaluation process has changed in commercial banks. It also enumerates the drawbacks of the previous process and the benefits of the new one.

Advantages of Non-Interest Income

This article explains the various benefits of non-interest income. The various benefits which accrue from earning non-interest income have been listed and explained in detail in this article.

Disadvantages of Non-Interest Income

This article explains the various disadvantages of non-interest income. The common issues which commercial banks have reportedly faced, when the proportion of non-interest income has increased in their revenue mix, have been mentioned in this article.

Managing Money Laundering Risks in Commercial Banks

This article explains why the commercial banking system is often misused by anti-social elements disguised as corporations. It explains the various reasons why money launderers are able to easily disguise their transactions as regular business transactions.

Anti-Money Laundering Activities at Commercial Banks

This article explains the shortcomings of the commercial banking system in dealing with money laundering. It also explains the various measures which commercial banks will have to take in order to be able to prevent money laundering in the future.

Subscription-Based Corporate Banking Business

This article explains the concept of subscription-based banking. It explains what subscription-based banking is by comparing it to the traditional revenue model followed by banks. It also explains why this model is rapidly gaining popularity.

Advantages of Subscription-Based Banking

This article explains the various advantages associated with a subscription-based commercial banking revenue model. The various ways in which this model benefits the commercial bank have been explained in detail in this article.

Disadvantages of Subscription-Based Banking

This article explains the disadvantages of subscription-based banking. The various negative effects of this revenue model have been explained in detail in this article.

Artificial Intelligence in Commercial Bank Lending

This article explains the concept of artificial intelligence in commercial banking. The two main types of artificial intelligence-based mechanisms have been explained in this article. Cost concerns about the implementation of this tool have also been discussed in this article.

Advantages of Artificial Intelligence-Based Lending in Commercial Banking

This article explains the various advantages of artificial intelligence-driven commercial loans. The benefits that accrue to the bank as a result of following this process have been highlighted.

Disadvantages of Artificial Intelligence in Commercial Banking

This article explains the various disadvantages associated with the increasing use of artificial intelligence in commercial banking. It also provides an explanation of the negative impact that this technology is likely to have on the commercial banking industry.

Use Cases of Artificial Intelligence in Commercial Banking

This article explains the different uses cases and applications of artificial intelligence technology in commercial banking. It provides a detailed explanation of the use case providing details about how the commercial bank, as well as the corporate customer, will both benefit from this move.

Application of Blockchain in Commercial Banking

This article briefly explains the concept of blockchain technology. It then provides a detailed explanation of the various possible applications of blockchain technology in commercial banking. The list of applications that have been mentioned in the article is only indicative and in no way exhaustive.

Why Blockchain May Not be Suitable for Commercial Banking?

This article explains the various difficulties which will arise if commercial banks implement the blockchain system on a large scale. The various disadvantages of a blockchain-based system have been explained in detail in this article.

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