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Tag: Career Options after Graduation

Common Capital Market Instruments That Are Profitable in 2021

Posted on by Imarticus Learning
Reading Time: 3 minutes

Capital markets are used by individuals and businesses to trade securities and debt. Unlike the money market, a capital market deals in buying and selling long-term debt. Investment bankers have deep knowledge about the capital market to help their clients in raising capital. Several capital market entities can be traded for generating capital.

Businesses hire expert investment bankers for knowing the best capital market instrument to invest in. If the right capital market entities are traded at the right time, it can generate revenue for long-term business goals. Read on to know the top capital market instruments that are profitable in 2021.

Equities 

Equity refers to the portion of ownership that is to be traded. Selling equities to someone makes them a shareholder of the organization. An equity holder may not receive regular payments from the organization but can still generate income by selling the stocks.

When the share of an organization goes high, shareholders can exit the company by selling their stocks. Shareholders will also earn a commission from the profits made by the organization. In 2021, you can give ownership of a company to several shareholders to generate capital.

Bonds

Bonds are a type of debt securities that are issued by the government, companies, and municipalities. The bond issuer collects debt for a fixed period from investors and shareholders. Once the fixed period ends, the bond issuer has to repay the principal amount. Bonds can help companies in collecting quick revenue as investors prefer to give debt for a fixed period.

 Debentures

Debentures are also a type of debt securities that do not include any collateral. The trade of debentures is done based on mutual trust as there is no collateral. Investors that are buying debentures from an issuing company also act as creditors of the company.

Derivatives 

capital market courses in IndiaUnderlying assets are used to find the value of financial instruments. Such instruments are called derivatives. The underlying asset that is used to calculate the value of derivatives can be bonds, stocks, or currency.

There are four types of derivatives that are forward, future, options, and interest rate swap. To know more about the four types of derivatives, you can go for capital market courses in India.

Exchange-traded funds 

Many investors come together to create a pool of financial resources. Those resources are then used to buy capital market entities like shares, bonds, and derivatives. Exchange-traded funds are traded in the stock market and have features of both shares and mutual funds. Investors who have limited knowledge about the capital market can benefit from exchange-traded funds.

 Foreign exchange entities 

 You can trade several capital market entities that are represented on a foreign market. Currency agreements and derivates are the common types of foreign exchange entities used by companies in 2021.

How to learn more about the capital market? 

You can go for banking and finance online courses that follow an industry-oriented approach. Imarticus Learning is a well-known EdTech platform that can provide new-age investment banking courses.

The Certified Investment Banking Operations Professional course provided by Imarticus will cover many concepts of the capital market. It will offer tech-enabled learning to keep track of your course.

The investment banking course comes with a placement assurance and, you can kickstart your career in the industry. At the end of the online course, you will receive a certification from the London Stock Exchange which is globally recognized.

trade life cycleConclusion 

Businesses need capital market experts to generate revenue for long-term business objectives. With an online course, you can learn about the trade life cycle in the capital market and can earn a lucrative job offer. Start learning more about capital market instruments today!

Learn How To Build and Manage a Global Set of Underwriting Models

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Have you ever wondered what to do in the face of financial risk? Do you know what an Underwriting Model is?

In the world we live in, uncertainty is an unavoidable part of life, you cannot know for sure what might happen in the future and how companies will be affected through different events in time. As a specialist, you must be able to advise and manage companies at risk through the use of financial tools.

In this program, you will learn how to handle such models and learn the basics of risk management. If you are interested in this topic and you want to learn credit risk underwriting, read on as we will talk in more detail about our CRU-PRO degree.

What is an Underwriting Model?

Many financial institutions are in charge of providing loans to clients or companies that request them, but an institution has to be responsible and know if a business is able to pay back. Underwriting is a process used by financial institutions to know the degree of risk when investing and to be able to predict if there will be problems with late payments or debts.

At Imarticus, we offer you a program of more than 145 hours in which you can learn all about the different models of underwriting and also get an overview of credit risk in India. Through this program, you will have all the necessary tools to achieve and perform a qualified financial analysis that will be useful for any company.

Learning Process

Our CRU-PRO degree has a partnership with Moody’s Analytics, so it has strong industry-oriented learning. In addition, we encourage the use of disruptive technologies during the courses, since we know many of the current businesses are heavily oriented towards technology.

Through five different case studies, you will be able to apply everything you learn during the program in a more practical way. In this program, you will study some topics such as Macro-Economics, Credit Administration, Regulatory frameworks, and more in the different credit risk management courses and the credit risk analyst course. You will also have access to extremely qualified personal and group tutors.

Other Benefits

At Imarticus, you will have career services that will help you improve your different skills during the program. In these courses, we will guide you to build a professional profile that will allow you to accelerate your admission process. We also offer professional interview preparation to help you gain confidence and succeed in the different interviews without any problems.

 Career Options

At the end of this program, you will have the skills and knowledge to become an Operational Risk Manager or Credit Risk Manager. You may also have the experience to become an Investor or start in a Credit Financing Manager position.

Conclusion

This program will provide you with modern risk management tools and methodologies for the evaluation, administration, and control of credits used already by important financial entities. After finishing the CRU-PRO degree, you will have a certificate that will allow you to show the knowledge you have acquired so that you can take your career to the next level, in addition, it is a certification accepted by the industry.

Don’t hesitate and enroll in our program as soon as possible. If you have any questions about the different courses, the case studies, or the program, you can always go to the Imarticus website to access the brochure or request a demo.

Did you know enrolling for these online MBA courses gets you a whole host of exclusive benefits?

Posted on by Imarticus Learning
Reading Time: 2 minutes

We live in a time when everybody desires an MBA! It has become a norm, and people make that choice without fully understanding why. That is most likely why business schools ask the same question in their MBA applications and interviews.

 While it is extremely important to figure out why you want to pursue it as a career after graduation, it is equally important to enrol yourself somewhere reliable. There are many courses that promise you a lot of perks, but end up delivering nothing. Those of you who are unable to go for a full-time MBA course should consider distance learning MBA programmes.

Here are two of the best online MBA courses that will help you shape a good career:

 MBA in Fintech:

  1. This FinTech MBA online course includes all the key components of FinTech as well as provides you hands-on experience with leading technologies, including API, Blockchain, Cloud Computing, AI, Machine Learning, RPA, IoT and Big Data.
  2. On enrolling to this JAIN Online MBA in FinTech, you will be given access to five professional courses on LinkedIn. Each course is meant to broaden your understanding of essential FinTech components through an easy online learning experience, boosting your ability to comprehend complicated FinTech subject matter during the main MBA course.
  3. This JAIN Online MBA in FinTech learning experience is given using the four quadrants strategy, resulting in optimal learner engagement. Each quadrant has 120 hours of learning, two-way live online classes, pre-recorded lectures on their Learning Management System (LMS), student conversation forums on the LMS, comprehensive e-content & printed material for in-depth comparisons, self-study tasks, case studies, et al.
  4. This MBA in Investment Banking & Equity Research includes significant student mentoring programmes. One can take advantage of the weekend Virtual Mentoring Sessions while simultaneously attending doubt resolving sessions with lecturers during live lectures or on the Learning Management System discussion boards.
  5. Along with feedback on Resume Writing and Interview Prep, they offer a specialised Corporate Relations Team to help one find the ideal career path. The Corporate Relations Team provides regular feedback on the CV and social media profiling, as well as 1-on-1 Mock Interview Sessions.

MBA in Investment Banking:

 This distance learning MBA course, just as the aforementioned course, grants you a host of benefits which include:

  1. This Investment Banking MBA Programme covers every key facet of the industry. This course helps you learn Accounting, Financial Analysis, Economics & Markets Principles, Investment Banking Operations, and a lot more.
  2. As part of this forward-thinking programme, you will have ongoing access to the university’s lab environment, allowing you to put theory into practice.
  1. Following completion of your Investment Banking MBA, you will receive exceptional career support and job placement options from both JAIN University’s Relations Team and Imarticus Learning’s specialised Placement Team.

Conclusion:

 These two are one of the best online MBA courses you’ll find, and both of them are acknowledged by the UGC. They give you a whole bunch of benefits which you can enjoy while juggling between your work as well as academics. If you are looking for a lucrative career after graduation, then give this a shot!

 

Roles of a Certified Investment Banking Operations Professional in Mergers & Acquisitions

Posted on by Imarticus Learning
Reading Time: 2 minutes

Investment banking has become one of the most coveted fields when it comes to making a career. There are several career opportunities in Investment Banking. You can now take up several investment banking courses with placement.

With a certification, you become a certified professional in Investment Banking and its operations. While all the related fields are essential, some areas are more lucrative than others. Mergers & Acquisitions is one such field.

Role of a Certified Investment Banker in Mergers and Acquisitions

 A certified professional has a lot of value when it comes to Investment Banking. If a person wants to get into Mergers and Acquisitions, certification is very important as it adds to the person’s credibility. Nowadays, there are investment banking courses with placement. You can take them up to become a certified investment banking operations professional or an investment banker. There are several roles that an accredited investment banker plays:

  1. Valuation

 Currently, several companies are expanding by acquiring smaller companies. This calls for calculating the fair value of the company. This can only be done by a certified Investment Banking professional. These people are experts in calculating the worth of the business.

  1. Understanding the Buyer-Seller Dynamics

 During a merger and acquisition deal, the professional needs to study the market and then recommend the way forward to both the buyer and the seller. Several strategic ideations have to be done before the deal is finalized. All of these ideations are done by a certified investment banker. Also, a qualified professional is needed to prepare the Selling Memorandum, which is a detailed sales document.

  1. Financing Provision

 In any merger and acquisition deal, a lot of money is involved. The funds can be arranged either by selling shares or by debt financing. All of these complexities are handled by a certified Investment Banker. An investment banker also advises the parties to use any other securities present in the market. They are also called market makers as they are involved both with the seller and the buyer. Only an investment banker can analyze the price that will work for the new issues in the market. 

  1. Financial Modelling

 Financial Modelling is vital to value debt and equity during mergers and acquisitions. Several valuation methods are needed during a merger and acquisition. A certified professional in Investment Banking is equipped to perform financial Modelling.

There are several other roles of a certified investment banking operations professional. There are several career opportunities in Investment Banking that individuals can explore. You can explore and decide your niche.

 Relevant Skills Required to Become a Certified Investment Banking Operations Professional

A professional involved in mergers and acquisitions is expected to be skilled enough to perform varied roles. Some relevant skills and knowledge that is expected from a certified professional are:

  • A relevant degree to substantiate that the person will perform all the functions needed during a merger and acquisition.
  • At least a Bachelor degree from a recognized school or university
  • Should have the ability to work in a fast-paced and a dynamic environment
  • Should have strong communication skills
  • Should have an analytical bent of mind
  • Must have a solid logical reasoning skill

 Conclusion

Imarticus Learning is known to provide professional courses in Investment Banking. If you opt for these courses, you will become well-versed with what goes into becoming a successful investment banker who can manage mergers and acquisitions without any hassle. A certified Investment Banking Operations Professional is expected to be abreast with everything that goes around in the industry. Only then he can ace the job he is into.

MBA Entry, no longer CAT-centric- An Opportunity for Executives working from home!

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Reading Time: 3 minutes

The MBA admission process has changed drastically over the past few years, with the CAT (Common Admissions Test) becoming less and less of a focal point for admissions officers. Instead, colleges are now looking at more holistic measures to assess potential students, including essays, work experience, extracurricular activities, and leadership positions.

This shift in focus is directly related to an uptick in applicants and colleges fighting over limited resources like funding and qualified staff members. Professionals always doubt what to do after B.COM. This blog post will guide you about the online MBA course.

Current Trend of Business Schools

The current trend among business schools is to use these alternative assessment methods to understand better who will be successful within their programs. The latest trend in MBA admissions is to look beyond applicants’ test scores and focus on a more holistic picture of their people. There is a shift away from purely quantitative measures of success, such as students’ undergraduate grades and MBA entrance exam scores.

How does an online MBA address the learning need of executives working from home?

One of the biggest challenges working executives face is staying on top of their continuing education and professional development. Graduate professional biggest question is what to do after B.com thus gets solved with an online MBA course.

Students can travel and work extended hours, leaving them with limited time at home to do an MBA degree. It has led many to search for MBA courses online, where they can take classes at the comfort of their space at any time and still get the knowledge and certification they need.

MBA correspondenceFor many working professionals, staying current with their continuing education and professional development can be challenging because of limited time at home.

Working professionals often turn to MBA correspondence to get the necessary knowledge and skills without sacrificing jobs. This way, they still get the knowledge and certification they need but still stay up to date with their professional development.

This change in focus is directly related to an uptick in applicants and an increase in schools fighting over limited resources like funding and qualified staff members. As such, many MBA correspondence programs are looking for ways to expand their reach to capture a larger pool of prospective students, and this is where the shift towards non-CAT measures comes into play.

Why Enrol in MBA program with Imarticus Learning

The widespread adoption of financial technology has dramatically altered the global economy’s dynamics, leading to a surge in the need for skilled FinTech specialists. The 4 Quadrants strategy use to deliver the learning experience for this best online MBA course in FinTech, leading to optimum active learning. Personal and group assignments, programming exercises, and thesis all provide opportunities for hands-on education.

Some course USP:

  • The course lets the students learn skills that prepare them for an exciting MBA career.
  • Impress employers & showcase skills with a certification endorsed by India’s most prestigious academic collaborations.
  • World-Class Academic Professors to learn from through live online sessions and discussions. It will help students understand the practical implementation with real industry projects and assignments.

Contact us through the live chat support system or schedule a visit to training centers in Mumbai, Thane, Pune, Chennai, Bengaluru, Hyderabad, Delhi, and Gurgaon.

The Crypto Takeover: Are Crypto asset markets moving too fast for clear regulation?

Posted on by Imarticus Learning
Reading Time: 3 minutes

Cryptocurrency is a type of payment that may be swapped for products and services online. A lot of firms have built their own currencies, known as tokens. They can be swapped for the goods or services offered by the firm. Crypto assets are digital assets that use cryptography techniques to generate a financial transaction medium of exchange. Crypto assets include cryptocurrencies, utility coins, and security tokens. To have access to the good or service, you must first swap actual dollars for cryptocurrency.

Cryptocurrencies use blockchain technology to function. Blockchain is a distributed technology that manages and records transactions across multiple computers. This technology’s security is what distinguishes it. Financial modeling courses on cryptocurrency, such as a chartered financial analyst course will help one gain deeper insights into it.

Cryptoassets mark a profound transformation in financial markets and have gained prominence in recent years. Cryptoasset technical innovations have come a long way and have the potential to upset the financial system. Central banking institutions and other banking institutions can help shape this landscape.

This worldwide phenomenon is causing uncertainty in numerous ways, including how individual crypto assets differ from one another and the role of the major participants in the crypto-asset ecosystem. With the hype surrounding bitcoin, altcoins, cryptocurrencies, and tokens, an entirely new financial environment has emerged.

Why is regulation required?

Regulation is one of the most critical variables influencing the price of bitcoin. Every time a government cracked the policy whip, the cryptocurrency’s rise was halted, with countries taking varied approaches to bitcoin regulation.

AML standards have been improved as authorities and financial institutions get a better knowledge of these illicit operations. However, these adjustments have been mainly reactive and trial-and-error in nature.

To resolve these concerns of the rapidly expanding blockchain ecosystem, the European Union has begun implementing more strict financial laws that strengthen the regulatory structure and improve authorization models. Many member states currently regulate crypto assets on an individual basis, with Germany leading the way as the first to do so.

These individual regulations outline the conditions for acquiring and keeping a financial license from the government, clearly prescribing the road for crypto firms. Compliance, by definition, improves investor confidence and safeguards them.

Different governments have taken various ways to regulate cryptocurrencies. Digital currencies have been banned in Vietnam, Bangladesh, Kyrgyzstan, Bolivia, Ecuador, etc.  Russia and China are on the threshold of outlawing them.

Cryptocurrencies are unregulated in India, the United Kingdom, and Brazil. However, these are regulated and lawful in nations such as France, Finland, and Germany. Individuals are permitted to use bitcoin in their transactions in China, but organizations and banks are not permitted to do so. It is prohibited in Iceland to buy or sell bitcoins, but they can be produced.

There is currently no distinct law in India dealing with cryptocurrency concerns and it is unregulated. As a result, all pertinent departments and law enforcement agencies, such as the Reserve Bank of India (RBI), Enforcement Directorate (ED), and income tax authorities take appropriate measures in accordance with current laws. Similarly, the Indian Penal Code is enforced by the police and the courts. In addition, there are a number of other vulnerabilities and threats involved with bitcoin.

Conclusion:

It is a pressing need to regulate cryptocurrencies as well as recognize them as legal cash, with adequate safety and surveillance measures in place. This is essential in third-world countries where the majority of citizens are not technologically or financially competent. This is largely attributable to the fact that India’s economy only opened up a little more than a quarter-century ago.

Financial modeling courses such as a chartered financial analyst course might be the right boost for a flourishing career in this field.

Intuitive tools to power your pitch, structure better deals, and climb the league tables in Investment Banking Operations

Posted on by Imarticus Learning
Reading Time: 3 minutes

The investment banking sector is a section of the banking and financial services business that assists organizations in raising funds and also provides advice and consultations on a variety of financial instruments available by assessing individuals’ and firms’ needs and risk appetite. These days taking up an investment banking operations course will assure you a very good job in the banking industry.

What is a pitchbook and how to make a powerful pitchbook?

A pitchbook is a sales book used by investment banks to market products and services to potential clients. The goal of a pitchbook is to close a deal with potential clients. It gives a general picture of the company, including historical information, financial strength, and services available to potential clientele.

Points to remember while making a pitchbook:

Introduction:

This part is used by the bank to explain who they are and why they are the greatest in the industry. It gives a summary of the transactions it has successfully managed as well as some of the industry accolades it has received in the past. It also offers information on its position in the sector.

Updates on the market:

The market update section displays the current situation of the financial markets. This section will pique the client’s attention because it contains the bank’s thoughts on the direction of the financial markets.

The strategy of transaction:

This part describes the strategy that the bank will employ to suit the client’s needs, depending on whether the client wants to issue an IPO, sell a business, or locate a strategic partner.

Methods of Valuation:

The bank demonstrates the appraisal methodologies it employed to arrive at specific findings. For example, the bank may utilize comparative analysis to compare the client’s business to other enterprises in the same industry.

Appendix

The appendix section provides backup information for the information presented in the pitchbook’s body. It is added as the pitchbook’s final section and contains information on the assumptions used in computing future projections, financial reports, and so on.

How to structure better deals?

To establish a fantastic deal structure, aim for a win-win scenario in which both sides’ interests are effectively protected, the deal and risks are kept to a bare minimum. Win-win deal structures are more likely to result in a completed merger or acquisition transaction and may even shorten the time required to complete the M&A process.

 Three ways of structuring deals:

  1. In an asset acquisition, the buyer purchases the selling company’s assets. If the selling business chooses a cash transaction, an asset acquisition is usually the optimal deal structure. The buyer selects which assets to buy.
  2. In contrast to an asset acquisition, where assets are directly transacted, assets are not directly transacted in a stock buy. The buyer acquires a majority of the seller’s voting stock shares in a stock purchase acquisition. In essence, it means that the buyer gains control of the seller’s assets and liabilities.
  1. A merger is the outcome of an agreement involving two different commercial companies to unite as one new organization. A merger is usually less complicated than an acquisition because all liabilities, assets, and so on are transferred to the new business.

How to climb the league table?

A league table ranks market leaders based on various indicators within a specific industry. League tables are frequently used to rate organizations that provide underwriting, financial and legal advice, and mergers and acquisitions services.

There are several ways to make your way up the league table in investment banking. By far the most obvious yet effective way is to crack higher valuation deals in the M&A segment to achieve a higher net-worth and term value.

Conclusion

As evident from the above discussion, investment banking and its operations are extremely crucial parts of the banking industry, hence taking up an investment banking operations course will easily fetch you highly paid jobs. If you are considering a career in banking, such a course will definitely add to your knowledge and experience.

Financial Analysis: India’s GDP and Fiscal Situation Seem Back on Track in 2021

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The recent COVID pandemic has harmed the GDPs and fiscal situations of countries across the globe. Financial analysts were the only ones that could help investors and companies to go through the challenges of the COVID pandemic. However, the COVID scenario in India is now under control and businesses have started their operations.

According to the latest financial analysis reports, the GDP and fiscal situation in India are back on track. 2021 has brought a new opportunity for businesses to generate huge revenue and gain returns on investment. Read on to know more about the current GDP and fiscal situation of India and how financial analysis helps.

Understanding GDP and fiscal situation 

As a businessman or a financial analyst, you should be familiar with the terms like GDP and fiscal situation. GDP (Gross Domestic Product) refers to the market value of all the finished goods/services produced within the country. GDP is strictly applicable to the products and services produced within the borders of the country. The current GDP of a country is used by businesses and investors to make strategic decisions. GDP lets us know about the economy and producing capacity of the country.

Along with GDP, the fiscal situation of a country is also important in evaluating the economy. A strong fiscal position of a country is good for businesses and investors. If a country has its expenditures less than total revenue generated, it has a strong fiscal position.

financial analyst coursesIf a country experiences a fiscal deficit (expenditures are more than revenue), it will also hamper the continuity of businesses.

GDP and fiscal position are important terms for a financial analyst to carry out the research process. If you are searching courses for financial analysts, you should have a prerequisite of GDP and fiscal position.

Current GDP and fiscal situation of India 

 For the first quarter of the 2021-22 financial year, the GDP in India has grown by 20.1%. The lockdown imposed by the government during the peak-COVID time severely affected the production of services and goods. Now, businesses and production houses are allowed to operate which has led to an increase in GDP for the first quarter. Construction and manufacturing sectors in India have shown the most growth in the first quarter of the 2021-22 financial year.

The revenue collection of the Indian government will also be better in 2021. High GST collections by the Indian government have narrowed the fiscal deficit. The fiscal deficit for the first four months of 2021 came to a nine-year low due to better revenue collection. All these details are closely studied by financial analysts. You can also search for courses for financial analysts and build a successful career.

 Perfect course for financial analyst

Among the many financial modeling courses in the market, Financial Analysis Prodegree offered by Imarticus Learning is the best. Its industry-oriented curriculum designed by KPMG makes it one of the best financial modeling courses in India. During the pro-degree program, you will work on six real-life projects to know more about industry practices.

best financial analysis coursesIt is a type of chartered financial analyst course that is self-paced and tech-aided. You will also be eligible for the placement assistance provided by Imarticus towards the end of the financial analysis course. Imarticus has successfully helped around 2400 enthusiasts to build their careers with their courses.

 Conclusion 

A chartered financial analyst course can help you in knowing the techniques used in the industry to make better decisions. You can learn to evaluate businesses, investment ventures, and projects with a financial analysis course. Start your financial analysis course with Imarticus now!

Innovative Banking: 10 Strategies That Will Impact the Future of Banking

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Reading Time: 3 minutes

The future of Banking will be shaped by huge technological shifts and will undergo a dramatic transformation. The COVID-19 pandemic has redesigned our life in terms of how we work, and even bank, resulting in a significant shift in customer behavior.

With the advancement of digital technologies, today’s consumers have become increasingly demanding of mobile banking. The pandemic has indeed increased the demand for convenient access to financial products, services, and information.

 Strategies that will impact the future of banking drastically: 

  1. It is obvious that an increase in the number of people using digital banking will result in an increase in cybercrime. The pandemic increased the number of opportunities for cybercriminals, be it through phishing, fraud, credential breaches, etc.cybersecurity threats must continue to use a variety of approaches to keep themselves and their clients secured.  A cybersecurity plan, such as the CIS Controls, boosts your entire cybersecurity posture.
  1. Banking customers today expect an easy and straightforward digital banking experience. Prioritizing emerging digital banking technology and attempting to blend digital with the human element, on the other hand, creates a conundrum for smaller financial institutions.While proper technologies and smooth rollouts are critical, effective digital transformation necessitates a strategic understanding of immediate customer demand.

    Customer data can be used by your institutions to expose cybersecurity risks such as suspicious activity, but transactional data and robust CRM technologies allow you to make better-educated judgments about cybersecurity.
    best digital marketing courses

  2. Producing quality content for your audience is an efficient approach to attract new leads while also giving useful resources that boost engagement with current clients. This is a powerful digital marketing tactic that banks utilize to advertise almost any product or service.
  3. Community banks can outperform others and acquire prominence at the top of search engine results pages by adopting techniques like pay-per-click (PPC) advertising with platforms like Google Ads. Paid search campaigns are effective because they can be tailored to a specific audience based on the exact phrases they are searching for on Google.
  4. Banks are confronting an influx of new competitors in the financial market, including fintechs, BigTech, and even non-financial entities. Banks can use cloud computing to store data and applications and access scalable computer resources on-demand via the internet.
  5. Biometric technology enables financial institutions to strike a balance between security, speed, and convenience in order to provide a hassle-free mobile banking experience. Biometrics are tangible human traits that can be used to confirm a customer’s identification.
  6. Banks can actually listen to their consumers and provide individualized financial services that benefit them through analyzing data. Banks that can consistently provide personalized offerings and individualized experiences for their consumers will undoubtedly win in the future.
  7. Banks can get more customers by giving referral bonuses for referring friends and getting them to sign up.
  8. RPA, artificial intelligence, and machine learning are all technologies that help you reduce expenses, increase efficiency, and process improvement.
  9. Microservices subdivide the entire banking application into separate services that can run independently while collaborating effectively.

A failure in one microservice does not disrupt the work of the others, resulting in improved service reusability and business continuity.

Conclusion

There are many courses available online on this subject. A banking and finance course graduation will ensure lucrative jobs as this sector is always in need of promising individuals. Thus, taking up a Banking and finance course after graduation will prove to be beneficial for young professionals.

How new-age banking solution geared with AI can help make wise investment decisions

Posted on by Imarticus Learning
Reading Time: 3 minutes

Due to the chaos propelled by COVID-19, banks are now required to undertake continuous reinvention of their economic models and solutions with the help of flexible and adaptive technologies, which will not only make them immune to adverse situations but will also increase their profits.

Banks are creating new technology frameworks to distinguish themselves, which include elements such as hybrid multi-cloud, microservices, API platforms, blockchain, intelligent automation, and AI. When coupled with an agile approach to design thinking and organizational integration, these technologies will have a bigger influence.

With better risk reduction and more efficient compliance operations, these new architectures are becoming more secure and compliant. A post-graduate diploma in banking and finance or a certificate course in banking and finance will teach you all these technologies and help you secure a good job in the banking industry.

Banking institutions have always been infamous for amassing massive amounts of user data but failing to spend it wisely. Years have passed since the tech transformation stormed through the banking industry, and these institutions now deal with massive amounts of information that are just ready to be mined.

However, aside from certain fundamental digital capabilities, these solutions do not produce enough, especially from a cognitive standpoint. But a financial revolution is about to take place!

Artificial intelligence is at the forefront of this digital transformation quest as a springboard, providing a facelift for these traditional banking systems through scalability, automation, the convenience of use, risk assessment, and decision-making aid, which can direct to a banking experience customized to every individual’s needs.

Organizations have become increasingly customer-centric as a result of data-driven tactics that leverage the customer experience as a competitive difference. By leveraging a data ecosystem enriched with structured, unstructured, alternate, and internal data, advanced cognitive technologies, and AI will aid in the evolution of the customer experience, providing more unified and personal digital journeys.

Chatbots, cognitive routing, and smart search are examples of AI-powered systems that will enhance customer satisfaction and involvement.

How are new innovations helping people make wiser financial decisions? 

Financial institutions are working on providing exceptional customer service through hyper-personalization, which is based on intuitive, self-learning software that enables offers to be updated and added in response to consumer requests. This type of technology adds additional value and creates an altogether new customer experience.

Customer engagement may be improved by employing AI to better understand the customer and take advantage of real-time decision-making and predictive analysis.  Product suggestion algorithms, for example, have proven to be effective in providing a personalized experience while increasing revenue.

Product recommendation engines are a type of artificial intelligence (AI) technology that provides recommendations for each user based on a variety of characteristics such as historical behavior, in-session activity, product economics, and the behaviors and preferences of similar users.

Many banks use advanced investment algorithms to improve portfolio management. Banks are targeting deployment in fraud detection and back-office services in their future business plans because digital transformation is an end-to-end process.

An AI prediction system can provide an instant evaluation of a user’s credit risk, allowing customer service agents to provide a suitable offer. This approach improves the efficiency of offers by speeding up the total credit risk evaluation process.

Conclusion:

PG diploma in banking and financeThe banking industry is one of such industries that we will always depend on. We need money and banking as long as we live. The whole banking industry has undergone a huge revolution with the introduction of new technologies.

A post-graduate diploma in banking and finance or a certificate course in banking and finance can help you go a long way in the banking industry. You just need to pick the right course and you’ll be good to go.