BANKING FINANCE Magazine - March 2024Add to Favorites

BANKING FINANCE Magazine - March 2024Add to Favorites

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In this issue

In this issue we have covered articles on Learning and Development Department in Banking: A key to build Knowledgeable Human Capital for Bank - Md Nasim Anwer; Paytm Fiasco - Shivanand Pandit; Evolving "Indian Banking" Landscape : Trends, Opportunity & Challenges - Sailesh Kumar; Foreign Direct Investment in India - Sanjay M. Nafde; Scheme to harness Fisheries - D. Surendranath; Green Investments and Mutual Funds - Arup Dasgupta.

We have covered news on Banking, RBI, Industry, Mutual Fund and Co-Operative Bank News.

Besides it covers other interesting features.

Insolvency's Group Tangle

The Insolvency and Bankruptcy Code (IBC) has been around for nearly seven years, and in these seven years, it has been amended six times. However, it is yet to address a significant concern: group insolvencies.

Insolvency's Group Tangle

4 mins

Why mot retirees don't find refuge in reverse mortgage

It would be the deal of the century, or so Andre-Francois Raffray could have thought. The Frenchman had in December 1965 stuck a deal with 90-year-old Jeanne Calment to pay her 2,500 francs every month until she died.

Why mot retirees don't find refuge in reverse mortgage

5 mins

The rise and rise of mutual funds

It is curious that the cake cutting and champagne popping that accompanied the Nifty's new lifetime high in recent weeks, was not in evidence when the mutual fund industry topped Rs. 50 lakh crore in assets.

The rise and rise of mutual funds

4 mins

UNSECURED RETAIL LENDING IN INDIA + CAPTURING EMERGING TRENDS

Abstract: In recent times, RBI has been vocal about the high growth rate of unsecured retail credit in India as compared to the overall credit growth in the country. The RBI has termed the unsecured retail credit an outlier segment\" as far as its growth rate is concerned and has drawn the attention of banks and NBFCs in this regard. As part of regulatory intervention, RBI has also increased the risk weights associated with unsecured credit exposure of banks and NBFCs. Post this development, the banking fraternity has been divided in their understanding of the ground realities. On one hand, there is a school of thought which feels that the recent surges in the unsecured retail lending in India is backed by solid macros. Whereas, others feel that the more than expected upsurge is a sign of incipient stress and might pose systemic risk, if not dealt with an iron hand.

UNSECURED RETAIL LENDING IN INDIA + CAPTURING EMERGING TRENDS

10 mins

TRANSFORMING BANKING THROUGH ARTIFICIAL INTELLIGENCE

The transformation of banking through artificial intelligence (AI) has been a significant and ongoing trend, with numerous implications for customer experience, operational efficiency, risk management, and more.

TRANSFORMING BANKING THROUGH ARTIFICIAL INTELLIGENCE

2 mins

NEED FOR CORRUPTION FREE BANKING IN INDIA

Introduction: Corruption is dishonest behaviour or abuse of entrusted power for private gain. It starts with the tendency of using public office for some personal benefit, implies the failure of ethics and erodes trust, weakens democracy, hampers economic development, undermines democratic institutions slows economic development, contributes to governmental instability and further exacerbates inequality, poverty, social division and the environmental crisis. Corruption is a complex social, political and economic phenomenon that affects all civilisations and attacks the foundation of democratic institutions by distorting electoral processes, perverting the rule of law and creating bureaucratic quagmires whose only reason for existing is the soliciting of bribes. Economic development is stunted because foreign direct investment is discouraged and small businesses within the country often find it impossible to overcome the \"start-up costs\" required because of corruption.

NEED FOR CORRUPTION FREE BANKING IN INDIA

3 mins

FROM RUPEE TO DIGITAL CURRENCY: UPI AND CBDC IN INDIA

India's remarkable digital transformation has been driven by innovative financial technologies and a vision for an inclusive, cashless economy. Two significant milestones in this journey are the Unified Payments

FROM RUPEE TO DIGITAL CURRENCY: UPI AND CBDC IN INDIA

4 mins

EMPOWERING THE DIGITAL JOURNEY: THE CRUCIAL ROLE OF STRAIGHT-THROUGH PROCESSING (STP) IN BANKING

In the ever-evolving landscape of banking and financial services, the digital revolution is reshaping industries and redefining customer expectations. As banks embark on their digital journeys to meet these changing demands, the implementation of Straight-Through Processing (STP) has emerged as a cornerstone strategy for success. STP not only streamlines internal operations but also plays a pivotal role in enhancing customer experiences, reducing costs, and fortifying the foundation for a seamless digital future.

EMPOWERING THE DIGITAL JOURNEY: THE CRUCIAL ROLE OF STRAIGHT-THROUGH PROCESSING (STP) IN BANKING

3 mins

'DIGITAL BANK' - LICENSING AND REGULATORY FRAMEWORK IN INDIA AND WAY FORWARD

Last 6 to 8 years have seen rapid development in 'Digital bank' across the world, and China is no exception. Digital banks have an entirely branchless digital service and the need for physical branches is replaced by non-stop, 24/7 customer service and automated systems.

'DIGITAL BANK' - LICENSING AND REGULATORY FRAMEWORK IN INDIA AND WAY FORWARD

8 mins

CONCENTRATION: THE NAUGHTY MONKEY

Maintaining mental focus can be quite challenging, especially with the constant distractions we encounter on a daily basis. In today's interconnected world, it is incredibly easy to get sidetracked by notifications from social media or the latest news updates. However, having strong mental focus is vital for achieving success. The ability to concentrate on a task at hand is essential for learning, accomplishing goals, and performing well in various situations.

CONCENTRATION: THE NAUGHTY MONKEY

4 mins

LLPs are required to report to the RoC on the "Significant Beneficial Owner"

The Registrar of Companies (RoC) will now require a report from a Limited Liability Partnership Firm (LLP) regarding its Significant Beneficial Owner (s) to be submitted within 30 days of the date on which the individual made the statement regarding having or obtaining that status.

LLPs are required to report to the RoC on the "Significant Beneficial Owner"

2 mins

CROSS SELLING IN BANKS

Marketing practitioners and banking consultants alike understand the need for relationship development in establishing and maintaining a solid customer base.

CROSS SELLING IN BANKS

10 mins

GREENWASHING HIDING TRUTH BEHIND GREEN

Greenwashing misleading refers to the practice of making or false claims about the environmental benefits of a product, service, company, or practice in order to appear more environmentally friendly than they actually are.

GREENWASHING HIDING TRUTH BEHIND GREEN

4 mins

HARNESSING TECHNOLOGY FOR CREDIT DISPENSATION: TRANSFORMING THE UNORGANIZED SECTOR

Small business or to be very specific unorganized small business is the economic foundation of India.

HARNESSING TECHNOLOGY FOR CREDIT DISPENSATION: TRANSFORMING THE UNORGANIZED SECTOR

7 mins

EMPOWERING INDIA'S ARTISANS: PM VISHWAKARMA YOJANA

The PM Vishwakarma Yojana is dedicated to support traditional arts and crafts by providing multi-dimensional support to artisans. The initiative acknowledges the challenges faced by the sector due to modernization and market changes.

EMPOWERING INDIA'S ARTISANS: PM VISHWAKARMA YOJANA

6 mins

MSME FUNDING: A DIFFERENT STANDPOINT FOR BANKS IN INDIA

The Micro, Small and Medium Enterprises (MSME) sector has emerged as a highly vibrant and dynamic sector of the Indian economy over the last five decades and have been a primary focus of policymakers at the central and state levels as it is a valuable contributor to the overall economic growth and development in terms of employment, value chain creation, foreign exchange earnings, critical supplier of large industries, promotion of regional balance and inclusive development, and so on.

MSME FUNDING: A DIFFERENT STANDPOINT FOR BANKS IN INDIA

8 mins

NEW DAWN TO OPEN BANKING: EMBRACING DIGITAL INNOVATION IN FINANCE

Open banking is a financial concept that refers to a financial services model that enables third-party providers to access financial information from banks or other financial institutions through open application programming interfaces (APIs).

NEW DAWN TO OPEN BANKING: EMBRACING DIGITAL INNOVATION IN FINANCE

8 mins

REBOOT OF CUSTOMER EXPERIENCE TRENDS IN THE BANKING INDUSTRY 2023

The COVID-19 pandemic created a mega shift from physical to digital, acting as the catalyst for digital progress multiple times over.

REBOOT OF CUSTOMER EXPERIENCE TRENDS IN THE BANKING INDUSTRY 2023

8 mins

Digital Rupee: A Currency Revolution For All??

The Indian central bank's digital currency, known as the e-rupee, is starting to gain attention.

Digital Rupee: A Currency Revolution For All??

6 mins

Why there are so few women in banking

In mid-September, President Droupadi Murmu pushed for increased representation of women in the Gujarat Assembly. She also called for more representation of women in politics in general.

Why there are so few women in banking

4 mins

CHANGING FACE OF AGRI BANKING

The Banks in India have played a vital role in the development of the country's economy, be it the rural one or the urban one. More specifically, the Indian public sector banks, The Regional Rural Banks and the cooperative banks have been serving the financial needs of the rural population of the country since their very initial days.

CHANGING FACE OF AGRI BANKING

5 mins

AN OPEN CALL BY RBI FOR BANK'S TO SETTLE OUT "WILFUL DEFAULTS"

Based on recent guidelines issued by the Reserve Bank of India on Wilful Defaulters-

AN OPEN CALL BY RBI FOR BANK'S TO SETTLE OUT "WILFUL DEFAULTS"

6 mins

PUBLIC TECH PLATFORM FOR FRICTIONLESS & EASY CREDIT FLOW

The Reserve Bank of India (RBI) has announced a pilot programme for 'Public Tech Platform for Frictionless Credit'.

PUBLIC TECH PLATFORM FOR FRICTIONLESS & EASY CREDIT FLOW

3 mins

THE RISE OF VOICE-BASED PAYMENT SYSTEMS: A CONVENIENT AND SECURE FUTURE

In recent years, technological advancements have significantly transformed the way we interact with financial services.

THE RISE OF VOICE-BASED PAYMENT SYSTEMS: A CONVENIENT AND SECURE FUTURE

6 mins

UNLOCKING THE POWER OF SOCIAL LEARNING: A HIDDEN GEM IN CORPORATE TRAINING

Are you tired of traditional training methods that feel like one-way traffic, with information being dumped on you without much engagement? What if there was a way to learn that not only captivates your attention but also taps into the power of human connection and collaboration?

UNLOCKING THE POWER OF SOCIAL LEARNING: A HIDDEN GEM IN CORPORATE TRAINING

4 mins

Compelling Need Of The Hour: Digital Banks

The structure of the banking system in India can be broadly divided into scheduled banks, nonscheduled banks and development banks, however during recent times banking evolved to new horizon and changed into multi aspect branches of banking.

Compelling Need Of The Hour: Digital Banks

8 mins

5 Key Customer Experience Challenges That Nbfcs Need To Solve

The NBFC (Non-Banking Financial Company) sector has emerged as a driver of inclusive growth in the Indian economy, playing a crucial role in providing credit to the underserved segment.

5 Key Customer Experience Challenges That Nbfcs Need To Solve

3 mins

CAG focuses on Al to uncover fake claims, conduct performance audits

From identifying non-existent schools claiming scholarship benefits to detecting similar images used by multiple beneficiaries of government schemes, the Comptroller and Auditor General of India (CAG) is using Artificial Intelligence (Al) and Machine Learning (ML) in a big way.

CAG focuses on Al to uncover fake claims, conduct performance audits

2 mins

Uniform Civil Code and Hindu Undivided Family: Why it must preserve tax benefits

The 22nd Law Commission of India has solicited views from all stakeholders on the Uniform Civil Code (UCC), seeking to achieve goals that are in line with Article 44 of the Constitution.

Uniform Civil Code and Hindu Undivided Family: Why it must preserve tax benefits

5 mins

GOVERNMENT'S DEBT SHOPPING: NEED OF TIME

Public debt or Govt Debt is the total amount borrowed by the government of a country. In the Indian context, public debt includes the total liabilities of the government (Both Central and State).

GOVERNMENT'S DEBT SHOPPING: NEED OF TIME

6 mins

Read all stories from BANKING FINANCE

BANKING FINANCE Magazine Description:

PublisherSashi Publications Private Ltd

CategoryBusiness

LanguageEnglish

FrequencyMonthly

BANKING FINANCE Magazine is a monthly magazine published by Sashi Publications Pvt Ltd. in Lucknow, India. It is one of the leading banking and finance magazines in the country. The magazine is known for its in-depth coverage of the Indian banking and finance industry, as well as its insights from leading experts in the field. It covers a wide range of topics related to banking and finance, including:

* Banking trends and developments: BANKING FINANCE Magazine covers the latest trends and developments in the Indian banking industry, such as new digital banking initiatives, regulatory changes, and mergers and acquisitions.
* Financial markets: BANKING FINANCE Magazine also covers financial markets, including the stock market, bond market, and currency market. The magazine provides analysis of the latest market trends and investment opportunities.
* Corporate finance: BANKING FINANCE Magazine also covers corporate finance, including articles on capital markets, mergers and acquisitions, and corporate restructuring.
* Personal finance: BANKING FINANCE Magazine also features articles on personal finance, such as saving, investing, and retirement planning.
* Risk management: BANKING FINANCE Magazine also covers risk management, including articles on credit risk, market risk, and operational risk.

BANKING FINANCE Magazine is a valuable resource for anyone who is interested in the Indian banking and finance industry. It is a must-read for anyone who is looking to stay informed about the latest trends and developments in the industry, or who is looking for insights from leading experts in the field.

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