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October 2019

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Investment Banks - Masters of the New Universe

1st October 2019
The global investment banking landscape is shifting, with institutions cutting jobs, banks diversifying and regulators introducing new requirements while redefining older ones. Hina Chowdhary, Head of Research at independent equities research firm Kalkine, considers investment banks’ options if they are to remain the all-powerful entities they once were.
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Five Tips to Effectively Procure the Ideal Secured Business Loan

1st October 2019
In today’s hyper-competitive and dynamic market, businesses need to keep a sharp eye on managing cash flows and controlling costs. Undoubtedly, companies from time-to-time need working capital, and often look to secured loans as one of the primary means of providing the cash necessary to fund operations. Secured loans (loans in which a borrower pledges collateral as security for repayment and performance) generally offer distinct advantages over unsecured loans; most notably, there appears to be significantly more secured lenders than unsecured lenders in the market today, and the cost of capital (loan rate) tends to be less with secured loans compared to unsecured loans.
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FCA Extends PSD2 Strong Customer Authentication Deadline, Putting Consumers at Risk

1st October 2019
As part of the revised Payment Service Directive (PSD2) published in 2018, Strong Customer Authentication (SCA) was incorporated to make online payments more secure. The rules, which were set to be applied on September 14th, mean consumers will have to approve online payments through a second level of authorisation, if the cardholder’s bank and the business accepting the transaction are located in the European Economic Area. In other terms, when consumers make an online payment of over £28, extra levels of authentication will be required at the time of the transaction. Shoppers will have to provide two of the following: something they know, like a password, who they are, through biometrics such as fingerprint or facial scan, or receive a code through their mobile device.
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Do You Take Cards? Payment Cards Still Rule in a Cashless Society

1st October 2019
The banking industry needs to future-proof payment cards as UK consumers are still not ready to give up their bank cards.
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Your Most Common Mortgage Queries Answered

1st October 2019
From lenders going bust to getting a mortgage with bad credit, Dilpreet Bhagrath, Mortgage Expert at online mortgage broker Trussle, explains how to tackle the things the UK worries about the most when it comes to their mortgage.
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Has the Rise of Algorithmic Trading Increased Tail Risk and the Frequency of Flash Crashes?

1st October 2019
Risk management is an essential part of successful investing. Planning, knowledge and quick thinking can minimise risk, but will never eliminate it completely. Yet there are certain risks that occur so rarely, that contingency measures are seldom made for them by the majority of investors, despite their huge impact on financial and economic markets. The technical term for such a happening is called a “tail event”. Quantifying the “tail risk”, the risk of such an event taking place is difficult due their rarity and the fact that they are normally triggered by unpredictable shocks.
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When Your App’s New Feature is Awesome (But Nobody Knows)

1st October 2019
What’s worse than thrusting your brand into the limelight with the extravagant launch of a new product or service, only for it to receive a zero-star rating from customers and fall completely flat? All that time, planning, and money wasted (not to mention the reputational damage!) – nothing could compare, right?
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Why People Will be Key to Unlocking the PropTech Opportunity

1st October 2019
Real Estate is the world’s largest asset class (worth more than all stocks and bonds combined at c£230 trillion) and the scale of the industry encompasses residential, commercial, industrial and hospitality segments. Yet, despite its scale and complexity, the Real Estate sector has been slow to adopt new technologies and innovation.
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Assure Your Projects to Reduce Risk

1st October 2019
When it comes to juggling multiple projects, there are a number of different things for managers to consider including budgets, timings and, crucially, security. Any changes within the project or smaller initiatives can have a significant impact on risk posture and if these risks aren’t identified and dealt with early on, projects may end up over budget, delayed or even brought to a complete standstill.
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Search Engine ‘Money Mule’ Hits Peak as Money Mules Threat on The Rise

1st October 2019
The latest research shows that over the last 12 months, approximately 1,500 monthly average searches were made around the term ‘money mule’ compared to 810 searches made the previous year.
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Finance Sector Sees Brexit as Both Challenge and Opportunity

1st October 2019
In order to determine the challenges as well as opportunities in the market and to explore ways to plug the funding gap, business loan provider Spotcap surveyed 132 commercial finance intermediaries over the course of July.
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Finance Monthly is a comprehensive website tailored for individuals seeking insights into the world of consumer finance and money management. It offers news, commentary, and in-depth analysis on topics crucial to personal financial management and decision-making. Whether you're interested in budgeting, investing, or understanding market trends, Finance Monthly provides valuable information to help you navigate the financial aspects of everyday life.
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