Banking

Read our tips for putting technology to best use in the financial sector.

  • White Papers // Mar 2009

    Bank Loan Announcements And Borrower Stock Returns: Does Bank Origin Matter?

    Banks play a special role as providers of informative signals about the quality and value of their borrowers. Such signals, however, may have a quality of their own as the banks' selection and monitoring abilities may differ. Using an event study methodology, the authors study the importance of the geographical...

    Provided By European Central Bank

  • White Papers // Mar 2009

    What Drives Returns To Euro Area Housing? Evidence From A Dynamic Dividend-Discount Model

    The authors apply a dynamic dividend-discount model to analyse unexpected housing returns in a panel of eight euro area countries which together comprise 90% of euro area GDP. The application of this model allows for a decomposition of house price movements into movements in rent (cash-flow) and expected return news...

    Provided By European Central Bank

  • White Papers // Jul 2009

    Universal Banks And Corporate Control: Evidence From The Global Syndicated Loan Market

    Banks play a role in the corporate governance of firms as well as acting as debt financiers around the world. Universal banks can have control over borrowing firms by representation on the board of directors or by holding shares through direct stakes or institutional holdings. The authors investigate the effects...

    Provided By European Central Bank

  • White Papers // Apr 2010

    Converging Enterprise Communications, IT and the Cloud

    Vendor hype has devalued the promise of unified communications and threatens to cause confusion with the move to cloud computing. In the absence of clear and unambiguous explanations of the benefits of embarking on such projects, end users could be forgiven for thinking that these are technologies without a purpose....

    Provided By NEC Unified Solutions

  • White Papers // Sep 2006

    Customer Relationship Management in Banking Sector and a Model Design for Banking Performance Enhancement

    Nowadays, many businesses such as banks, insurance companies, and other service providers realize the importance of Customer Relationship Management (CRM) and its potential to help them acquire new customers retain existing ones and maximize their lifetime value. At this point, close relationship with customers will require a strong coordination between...

    Provided By Yildiz Technical University

  • White Papers // Jun 2009

    Performance Analysis of Issues Related to Broadband Services

    Satellite communication offers a number of advantages over traditional terrestrial point-to-point networks. Satellites seem an ideal means for offering Internet and intranet access over long distances and to remote locations. However, Internet protocols are required to be optimized for satellite conditions, and consequently, the throughput over satellite networks is restricted...

    Provided By Walchand College of Engineering

  • White Papers // Jan 2010

    Clock and Data Recovery Circuit for 2.5Gb/s Burst-Mode Receiver

    This paper describes a 2.5Gb/s CDR for asynchronous burst-mode data transmission, such as ATM-PON. A CDR employing gated-oscillators was designed and simulated using AlGaAs/GaAs HBT. The gated-oscillator consumes 1.12 W of power with a single - 7 V supply, and the differential output voltage swing is 0.9 Vp-p into 50...

    Provided By Information and Communications University

  • White Papers // Dec 2009

    Credit Card Interchange Fees

    The authors build a model of credit card pricing that explicitly takes into account credit functionality. They show that a monopoly card network always selects an interchange fee that exceeds the level that maximizes consumer surplus. If regulators only care about consumer surplus, a conservative regulatory approach is to cap...

    Provided By European Central Bank

  • White Papers // Jan 2010

    Defining GAAP As It Applies To Accounting Guidelines

    GAAP stands for Generally Accepted Accounting Principles. When your company's accounting guidelines are set up to comply with GAAP, your accounting is being performed correctly. GAAP is a framework of accounting standards, rules and procedures defined by the professional accounting industry, which has been adopted by nearly all publicly traded...

    Provided By eHow

  • White Papers // Jan 2010

    Why Is The Accrual Basis Of Accounting Accepted By GAAP?

    Accrual-based accounting recognizes economic transactions as they occur in the normal operations of business. This accounting method follows Generally Accepted Accounting Principles (GAAP) matching principle, matching revenues earned with the money expensed to earn that revenue. GAAP requires the use of accrual accounting because it presents a true picture of...

    Provided By eHow

  • White Papers // Jan 2010

    How To Cut Business Budget Expenses

    Business proposals take a lot of thought, analysis, time and effort to produce. Regardless of what you're proposing, chances are it's an investment that involves financial expense. Presenting a proposal with no consideration for your company or client's budget is a grave mistake. Always write a budget for a business...

    Provided By eHow

  • White Papers // Jan 2010

    How To Write A Business Budget

    Unfortunately, many small business owners neglect the crucial step of creating a clearly defined budget before spending money on behalf of the business. Without a budget the business is in danger of either overspending or spending on the wrong things because there are no limitations. A good budget will give...

    Provided By eHow

  • White Papers // Jan 2010

    How To Make A Company Budget Plan

    Creating a set budget for a company should not be intimidating. It should, however, be planned in depth in order to achieve the maximum financial outcome. Whether you are starting a company budget or planning an existing company budget, the same rule applies - develop a strategic plan for a...

    Provided By eHow

  • White Papers // Jan 2010

    How To Build A Budget For Your Small Business

    A budget becomes more realistic when it is based on as much objective, factual information as possible. By taking what you know and what you can find out and using that information as building blocks, you can develop a budget that will be a useful tool in assessing your performance...

    Provided By eHow

  • White Papers // Jan 2010

    How To Create An Operating Budget

    An operating budget is a required component of a business plan used by an entrepreneur prior to opening the business. Once the business is open, the operating budget is analyzed and updated at least once a year to reflect realistic costs and revenues. An operating budget covers every aspect of...

    Provided By eHow

  • White Papers // Jan 2010

    How To Start A Small Business Budget

    A small business is a big step for any individual. There are many expenses, and it can be very stressful at times. Your budget is a very large part of your success. The budget helps you calculate how much your business is profiting over time. Many small businesses do not...

    Provided By eHow

  • White Papers // Jan 2010

    About Wrongful Termination

    In a perfect world, an employer would be blind to his employee's color, sex, age and religion. However, the world is nowhere near perfect, and some employers are so drunk with power that, at times, it takes a lawsuit to sober them up. In some cases, an employer can terminate...

    Provided By eHow

  • White Papers // Jan 2010

    What Is Receivable Factoring?

    Factoring receivables is a process by which companies that do not want to manage or collect their account receivable balances can sell their balances at a discount for cash. Accounts Receivable (A/R) factoring is a tool used by businesses to gain quick access to cash without obtaining a loan or...

    Provided By eHow

  • White Papers // Jan 2010

    What Is A Factoring Company Account?

    A factoring account is a business's agreement between a company and a factoring agency. Accounts receivable factoring is a form of financing where a business sells its accounts receivable to another company for a percentage of the accounts' value. The company that purchases the accounts is the factoring company, or...

    Provided By eHow

  • White Papers // Jan 2010

    How To Convert Statutory Accounting Principles To GAAP

    State insurance regulators require insurance companies to keep their accounting records for filing annual financial reports in accordance with Statutory Accounting Principles (SAP). The Internal Revenue Service requires insurers to report their financial statements and tax returns in accordance with Generally Accepted Accounting Principles (GAAP). The primary difference between SAP...

    Provided By eHow

  • White Papers // Nov 2011

    Design of Simulated Pattern Painting Based on Image Segmentation and Recognition Method

    The paper introduces the segmentation method of binary image and grey level image into the design of simulated pattern painting. They are region segmentation method based on seeds and region segmenting and merging method. Firstly according to the design characteristic of simulated pattern painting, it carries on the chromatic image...

    Provided By Academy Publisher

  • White Papers // Sep 2011

    Enriched Format Text Categorization Using A Component Similarity Approach

    Text categorization has been widely studied for years. However, conventional plain text categorization approaches which work good in plain text behave poor when they are simply applied to enriched format texts. An categorization approach that is applicable to enriched format text is proposed. During feature selection, the authors get feature...

    Provided By Academy Publisher

  • White Papers // Nov 2011

    Evolution and Thinking of the Accounting Supervision Mode of China's State-owned Enterprises

    State-owned enterprise is an important and indispensable component of China's national economy. Transformation and innovation of accounting supervision mode of State-owned enterprises play a decisive role in building and improving China's modern enterprise system. China's current accounting supervision model of state-owned enterprises is continuously innovating. It's theoretically and practically significant...

    Provided By Academy Publisher

  • White Papers // Mar 2009

    Testing the Cloud

    Cloud Computing presents tangible benefits to businesses. These can be both immediate and vast ranging, from reductions in cost of ownership to location independence. However along with these potential benefits comes a new set of concerns; security, privacy, availability, performance and integrity. Suitable testing must be at the core of...

    Provided By AppLabs

  • White Papers // May 2009

    The Testing Approach to Stock Exchange Applications

    From the days of physical scrip to dematerialized stocks and from the days of simple equities to structured products, stock exchanges throughout the world have witnessed enormous change in their functioning. And ever since the introduction of online trading, the financial market has undergone a rapid change, leading to complexities...

    Provided By AppLabs

  • White Papers // Jan 2010

    Avert Legal Battles With A Former Employer In Your Industry

    When one leaves a company to start his own, it's logical to make use of the knowledge, business relationships and experience you already have. However, if the new venture is in the same industry as the former employer, it's important to know the legal rights. If one is considering starting...

    Provided By MasterCard

  • White Papers // Jan 2010

    The Case For Health Care Coverage

    There are nearly 20 million micro-businesses - businesses with fewer than 10 employees - in the United States, according to NASE, and every year, fewer of them can afford health care. "It's not a pretty picture," the author says. A 2005 survey of America's smallest businesses by NASE pointed out...

    Provided By MasterCard

  • White Papers // Jan 2010

    How Underground Utility And Cable Installation Construction Companies Can Get Working Capital

    This paper explains how to obtain working capital for your underground utility or cable installation company. Running a construction company that installs underground utilities or over ground cables can be very profitable. Most of the times, the clients are top rates companies such as major utilities or cable operators. Although...

    Provided By Buzzle.com

  • White Papers // Jan 2010

    Small Business Loans And Working Capital Management Changes

    Small business owners are currently faced with an imposing number of changes when they are seeking working capital financing and small business loans. Commercial borrowers should approach the situation by planning ahead with contingency financing strategies for their business financing options. There have recently been a number of small business...

    Provided By Buzzle.com

  • White Papers // Feb 2010

    Working Capital Loans And Business Financing Need Intensive Care

    The concept of intensive care being necessary for working capital loans accurately reflects the stress and uncertainties that most small business owners are experiencing when requesting business financing from banks. Experienced specialists can frequently help in restoring financial health even though the commercial financing patients (business borrowers) might be in...

    Provided By Buzzle.com

  • White Papers // Mar 2010

    Credit Card Processing Advances And Working Capital Basics

    To improve their understanding of working capital management options, small business owners should review the basics for credit card processing advances and working capital financing. The potential of reducing a significant business expense is likely to be appealing to even thriving small businesses. It is frequently a good idea to...

    Provided By Buzzle.com

  • White Papers // Apr 2010

    Working Capital Financing In Six Words

    By describing working capital financing options in six words, this report provides a concise explanation of short-term small business financing and cash management issues. In addition to reducing credit card processing costs, practical working capital alternatives include working capital loans and merchant cash advances. "Avoid a long and winding road"...

    Provided By Buzzle.com

  • White Papers // Jan 2010

    Working Capital Requirement

    This paper provides an insight on working capital requirements for a business. There are four main financial requirements of a business, namely, working capital, fixed assets, marketing costs and a contingency fund. Financial management for a business involves managing all of these in an efficient manner. Working capital is the...

    Provided By Buzzle.com

  • White Papers // Mar 2010

    What Is Net Working Capital

    Net working capital is calculated to know the current liquid position of an organization. It is the difference between the short term assets, also known as the current assets of an organization, and the short term debts or the current liabilities of a company. Net working capital is a good...

    Provided By Buzzle.com

  • White Papers // May 2010

    Working Capital Line Of Credit

    Working capital line of credit is nothing but loans which you may take from a bank to finance your business. It is different from a business loan, in a business loan you borrow a fixed amount of money and repay it in monthly installments which is pre-decided. This is the...

    Provided By Buzzle.com

  • White Papers // May 2010

    Insolvency Of An Enterprise And Methods Of Financial Analysis For Predicting It

    The purpose of this paper is to draw attention to the topical problem of entity-level insolvency and the insolvency prediction models. Definitions, symptoms, causes and factors affecting insolvency, suggested by various authors, are reviewed. The impact of enterprise insolvency on a country's economic growth is weighed up. Finally, the paper...

    Provided By Vilnius University

  • White Papers // Apr 2010

    Budget Allocation For Permanent And Contingent Capacity Under Stochastic Demand

    The authors develop a model of budget allocation for permanent and contingent workforce under stochastic demand. The level of permanent capacity is determined at the beginning of the horizon and is kept constant throughout whereas the number of temporary workers to be hired must be decided in each period. Compared...

    Provided By Technische Universiteit Eindhoven

  • White Papers // May 2009

    Neural Network Based Switching Models for VLSI Design of ATM Networks

    This paper presents a framework for designing neural network solutions using extensions of the competitive learning Artificial Neural Network(ANN) model for ATM networks in VLSI design. Unlike conventional LANs, ATM LANs utilize a mesh topology comprising a number of interconnected switching exchanges similar in principle to that used in conventional...

    Provided By Academy Publisher

  • White Papers // Jun 2011

    Research on Real-Time Publish/Subscribe System Supported by Data-Integration

    At present, distributed real-time applications flourish, including the military systems, telecommunications, factory automation, traffic control, financial trading, medical imaging, and so on, these applications will need to make real-time reliable data transmission. Publish/Subscribe interaction scheme is very suitable for distributed communications system applications. In this paper, based on the OMG...

    Provided By Academy Publisher

  • White Papers // Feb 2011

    Study on Rational Application of eXtensible Business Reporting Language

    Extensible Business Reporting Language (XBRL) has developed rapidly since its birth as one of accounting information processing standards and the latest technology. The governmental departments (including finance, taxation, business and other institutions), listed companies, famous software companies, academic institutions and other professions are paying more and more attention to the...

    Provided By Academy Publisher