For financial institutions, executing the move away from the interest rate benchmark, LIBOR, to alternative interest reference rates (e.g. SONIA, SARON) is a colossal exercise. It requires them to structurally revisit everything from their products and accounting strategies and tactics through to their risk models and valuations – to make the necessary amendments.
Driven by the promise of greater efficiency and better user experiences, digital transformation has become a key initiative across a broad range of industries.
Mergers and Acquisitions are complex and high-risk undertakings. However, if successful, M&A can fuel company growth through the addition of new products, markets and customers and result in increased profitability. In competitive and crowded marketplaces, M&A is increasingly being viewed as a strategic route to gain coveted market share, and research shows that this type of activity is surging in the Financial Services sector. According to Deloitte, the drivers that were favourable for bank M&A in 2018 — tax reform, increasing interest rates, digital investments and a business-friendly regulatory environment — continue to make a strong showing, and 76% of M&A execs in US firms and 87% of those in private equity (PE) expect the number of deals they will close in 2019 to increase. Some 70% are anticipating bigger deals, with 51% predicting them to be worth $500m-$10bn, compared to 38% in 2018.
For an insight into the online payments market, Finance Monthly speaks with Artem Tymoshenko - a FinTech expert specialising in payment systems, processing systems, e-money, risk management, network & system security, digital self-service and e-billing.
Navigating through uncertainty is a challenge but also an opportunity. Concerns over GDP growth, dislocation in the equity and bond markets and fears surrounding Brexit have complicated the fundraising landscape.
Premium Bonds have long been one of the most popular ways to save money around the UK. In fact, 22 million people have them and they save almost £80 billion in them.
A trust deed is a legally binding agreement according to which you can make reduced payments over four years. At the end of this time around, the unsecured debt is usually wiped off.
If your business is taking its next big step and expanding globally, you need to consider several different factors to ensure the move is a successful and profitable one. Many small and medium-sized businesses are looking to reap the benefits that new markets offer.
The healthcare sector has seen major changes over the past decade. As technology has evolved, so too has the level of services offered within the industry.
In the business world, you are talking about the investors and investments, traders and trading, seller and selling, buyer and buying, and so on and so forth.
Corporate insolvencies increased by around 10% last year – a clear sign that many businesses in many industry sectors are struggling to make a profit in competitive markets. Despite this, relatively few understand exactly what they can do to protect their operations from insolvency.
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