Better Banking
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| Author | : Adrian Docherty |
| Publisher | : John Wiley & Sons |
| Total Pages | : 546 |
| Release | : 2014-01-02 |
| Genre | : Business & Economics |
| ISBN | : 1118651332 |
Why did the financial crisis happen? Why did no one see it coming? And how did our banks lose so much of our money? What's being done to sort out the banking industry? And will it work? These are the questions that industry experts Adrian Docherty and Franck Viort cover in Better Banking: Understanding and Addressing the Failures in Risk Management, Governance and Regulation. They give a clear and thorough run-through of some of the key concepts and developments in banking, to enable the reader to understand better this vital yet perilous industry. Without excessive detail or jargon, they explain the most important issues in risk management, regulation and governance and build a comprehensive description of how failings in these areas resulted in the current financial crisis. In order to make the diagnosis clear, the authors illustrate their descriptions with a series of informative case studies. The book revolves around a critique of the current regulatory developments, which the authors feel will be ineffective in fixing the structural flaws in banking. Crucially, and as the title of the book suggests, they set out their own series of proposals to contribute to the development of a better, safer and more effective banking industry. Docherty and Viort's book fills an important gap in the literature on banking and its role in the current financial crisis. It is at once a history, a primer, a critique and a manifesto. It does not take sides but works through a constructive diagnosis towards ideas that could lead to major improvements in the quality and stability of the financial world. Better Banking: Understanding and Addressing the Failures in Risk Management, Governance and Regulation is a technical yet accessible book that seeks to engage interested readers of all kinds -- students, professionals, bankers and regulators but also politicians and the broader audience of citizens outside the banking industry, who are keen to inform themselves and understand what needs to be done to avoid a repeat of this crisis.
| Author | : Niels Kroner |
| Publisher | : |
| Total Pages | : 0 |
| Release | : 2009 |
| Genre | : Bank management |
| ISBN | : 9781906659318 |
'Svenska Handelsbanken' takes a fresh look at the financial crisis. It sets out to answer specifically what the mistakes were that banks made and how this could have been avoided. What is unique about this book is a detailed description of a large bank that operates very differently from its peers and that has, as a result, steered well clear of areas that have brought many other banks into trouble. This provides a number of insights into how a more resilient, post-credit crunch banking system should look like. The first section starts with an overview of existing explanations of the credit crunch and why they remain partly unsatisfactory. It then sets out an alternative framework around seven behavioural patterns of financial institutions of imprudent banking. They have caused most banking crises, including the current one, and while they come in different shapes and forms they remain essentially the same. This book examines why the Seven Deadly Sins remain extremely tempting to bankers, often with the enthusiastic support of their shareholders and no meaningful objection by their regulators. The second and main part of the book is a new and extensive description of the management practices at Svenska Handelsbanken, a universal bank operating in a number of countries in Northern Europe. Handelsbanken is one of the top 25 banks in Europe. It was not just the only bank that survived the Swedish banking crisis in the 1990s without asking for government support - it has also done very well in the 2008/2009 crisis. Handelsbanken did not have to raise capital or ask for government support and its shares have been the best performing European bank stock by a wide margin. Despite its large size Handelsbanken has, in many ways, acted as a shock absorber, not a shock amplifier, to the financial system.
| Author | : Will Fred Maitrejean |
| Publisher | : |
| Total Pages | : 156 |
| Release | : 1913 |
| Genre | : |
| ISBN | : |
| Author | : Sankar Krishnan |
| Publisher | : John Wiley & Sons |
| Total Pages | : 192 |
| Release | : 2014-05-19 |
| Genre | : Business & Economics |
| ISBN | : 1118914244 |
Today's tech-savvy consumers are demanding a more personal customer experience from their banks, and banks are discovering that mobile services deliver individualized, tailored experiences better than any other technology. The Power of Mobile Banking: How to Profit from the Revolution in Retail Financial Services gives banking and financial professionals a well-researched guide for becoming transformational leaders. These leaders can convert their traditional retail "branch" banks into streamlined systems that deliver personalized services to their customers' laptops, tablets, and smartphones. Written by Sankar Krishnan—a career banker and noted financial services industry thought leader—The Power of Mobile Banking includes strategies for adapting mobile banking practices that suit the needs of both developed and emerging markets. Krishnan also shows how bankers can make their products and services relevant to a new generation of digital natives. Krishnan explores the expanding mobile payment systems that offer a wealth of financial opportunities for banking institutions and includes information on the growth of e-commerce, which holds the potential for new and profitable ways for banks to engage with consumers. The Power of Mobile Banking outlines the practical aspects of adapting to a mobile banking strategy and shows how to put the right players in place to ensure the technology works seamlessly. Once in place, a great mobile system delivers excellent service and benefits to users, as well as real value and unique features that cement customer loyalty. The book also offers advice for bankers who want to increase their bottom line by delving into the world-wide prepaid card market. Krishnan includes a discussion on the risks and hazards of mobile banking and reveals the critical investments that banks must be willing to make in order to avoid losing customers to telecoms, retailers, and technology providers. The time for retail banking to prepare for the new paradigm is now and The Power of Mobile Banking is the guide for professionals who want to adapt, evolve, and succeed in this new mobile-driven world.
| Author | : Nanno Kleiterp |
| Publisher | : Amsterdam University Press |
| Total Pages | : 0 |
| Release | : 2017 |
| Genre | : Banks and banking |
| ISBN | : 9789462983519 |
This important and accessible must-read will challenge you to find overlaps between your own life and global issues, and to start bridging the gap between your personal needs and those of our planet.
| Author | : Kevin Dowd |
| Publisher | : Routledge |
| Total Pages | : 288 |
| Release | : 2002-09-26 |
| Genre | : Business & Economics |
| ISBN | : 1134945604 |
First Published in 1992. Routledge is an imprint of Taylor & Francis, an informa company.
| Author | : Brett King |
| Publisher | : John Wiley & Sons |
| Total Pages | : 359 |
| Release | : 2018-12-17 |
| Genre | : Business & Economics |
| ISBN | : 1119506506 |
Winner of best book by a foreign author (2019) at the Business Book of the Year Award organised by PwC Russia The future of banking is already here — are you ready? Bank 4.0 explores the radical transformation already taking place in banking, and follows it to its logical conclusion. What will banking look like in 30 years? 50 years? The world’s best banks have been forced to adapt to changing consumer behaviors; regulators are rethinking friction, licensing and regulation; Fintech start-ups and tech giants are redefining how banking fits in the daily life of consumers. To survive, banks are having to develop new capabilities, new jobs and new skills. The future of banking is not just about new thinking around value stores, payment and credit utility — it's embedded in voice-based smart assistants like Alexa and Siri and soon smart glasses which will guide you on daily spending and money decisions. The coming Bank 4.0 era is one where either your bank is embedded in your world via tech, or it no longer exists. In this final volume in Brett King's BANK series, we explore the future of banks amidst the evolution of technology and discover a revolution already at work. From re-engineered banking systems, to selfie-pay and self-driving cars, Bank 4.0 proves that we're not on Wall Street anymore. Bank 4.0 will help you: Understand the historical precedents that flag a fundamental rethinking in banking Discover low-friction, technology experiences that undermine the products we sell today Think through the evolution of identity, value and assets as cash and cards become obsolete Learn how Fintech and tech "disruptors" are using behaviour, psychology and technology to reshape the economics of banking Examine the ways in which blockchain, A.I., augmented reality and other leading-edge tech are the real building blocks of the future of banking systems If you look at individual technologies or startups disrupting the space, you might miss the biggest signposts to the future and you might also miss that most of we've learned about banking the last 700 years just isn't useful. When the biggest bank in the world isn't any of the names you'd expect, when branch networks are a burden not an asset, and when advice is the domain of Artificial Intelligence, we may very well have to start from scratch. Bank 4.0 takes you to a world where banking will be instant, smart and ubiquitous, and where you'll have to adapt faster than ever before just to survive. Welcome to the future.
| Author | : R. Nelson Nash |
| Publisher | : |
| Total Pages | : |
| Release | : 2012-04-01 |
| Genre | : |
| ISBN | : 9780972631600 |
| Author | : Tim Walker |
| Publisher | : John Wiley & Sons |
| Total Pages | : 403 |
| Release | : 2021-05-24 |
| Genre | : Business & Economics |
| ISBN | : 1119328012 |
Competitive advantage in banking comes from effective use of technology The Handbook of Banking Technology provides a blueprint for the future of banking, with deep insight into the technologies at the heart of the industry. The rapid evolution of IT brings continual change and demand for investment — yet keeping pace with these changes has become an essential part of doing business. This book describes how banks can harness the power of current and upcoming technology to add business value and gain a competitive advantage; you'll learn how banks are using technology to drive business today, and which emerging trends are likely to drive the evolution of banking over the next decade. Regulation is playing an ever increasing role in banking and the impact of regulatory change on technology and the management of it are discussed — while mandatory changes put pressure on many of our high street banking brands, their ability to adapt and utilise technology will have a fundamental impact on their success in the rapidly changing marketplace. Technology costs can amount to 15 per cent or more of operational costs and bank leaders need to be able to make informed decisions about technology investments in light of the potential benefits. This book explores the depth and breadth of banking technology to help decision makers stay up to date and drive better business. Assess your current technology against the new banking paradigms Procure the systems needed to protect the bottom line Implement newer technology more efficiently and effectively Ensure compliance and drive value with appropriate technology management Technological change is driven by mass adoption of new channels, innovation from new entrants, and by banks themselves as a means of increasing revenue and reducing costs. The Handbook of Banking Technology offers a comprehensive look at the role of technology in banking, and the impact it will have in the coming years.
| Author | : Jonathan McMillan |
| Publisher | : Zero/One Economics Gmbh |
| Total Pages | : 248 |
| Release | : 2014 |
| Genre | : Banks and banking |
| ISBN | : 9783952438503 |
In this thought-provoking book, Jonathan McMillan dissects banking to reveal its inner workings. He cuts through the complexity of modern finance and explains how banking almost crashed our financial system. Banking is broken, and McMillan reveals why we can no longer fix it. The digital revolution turns out to be the game changer that calls for the end of banking. But McMillan refrains from merely pointing out flaws. Building on economic research and a rigorous analytical approach, he goes on to provide an innovative blueprint for a modern financial system. The End of Banking transforms our understanding of the financial system. It identifies the root cause of today's problems with banking and presents a solution that stands out against existing reform proposals.
