Banking

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

  • White Papers // Sep 2008

    Health Care And The 2008 Election: Revolution, Reform, Or Return To Business As Usual?

    The increased drug coverage mandate has nearly doubled the government's share of total drug expenditures to around 45% of US industry sales, making Medicare the world's largest "Single-payor" by a wide margin. So far, the pharmaceutical industry has been a net beneficiary of expanded access to drugs. At present, the...

    Provided By Elsevier

  • 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

  • Case Studies // Dec 2008

    500% Improvement in Data Processing!

    Revenue Management Solutions (RMS) has one of the largest Microsoft? SQL database in the world - totaling over 50 billion records. Read how consolidating on NEC's Itanium Servers helped RMS achieve 500% performance gain in data processing and reduced report wait time from months to days.

    Provided By NEC Corporation of America

  • White Papers // Sep 2008

    Bank Mergers And Lending Relationships

    This paper analyzes the effects of bank mergers on bank-firm relationships. Using matched bank-firm level data, the author finds that mergers disrupt lending relationships, especially to small borrowers of target banks. However, the author finds significant positive effects of mergers for borrowers that continue the lending relationship with the consolidated...

    Provided By European Central Bank

  • White Papers // Sep 2008

    How Does Competition Affect Efficiency And Soundness In Banking? New Empirical Evidence

    A growing body of literature indicates that competition increases bank soundness. Applying an industrial organization based approach to large data sets for European and U.S. banks, the authors offer new empirical evidence that efficiency plays a key role in the transmission from competition to soundness. They use a two-pronged approach....

    Provided By European Central Bank

  • 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 2009

    How To Build An Operating Budget For Your Small Business When You Sell Products

    One way to build an operating budget is to determine the direct and indirect cost per unit of product. Once you calculate the total cost per unit you could add a margin to determine your sales price. You can calculate the number of units you can produce each month based...

    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 2009

    How Does Payroll Outsourcing Work?

    Payroll can be prepared by employees within a company, or it can be outsourced to a payroll service. Many businesses have discovered that outsourcing payroll to a professional service actually saves the company time and money. When a company opts to prepare its payroll in-house, there are employee expenses for...

    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 // Mar 2011

    Meeting the Access Security Requirements of Sec. 404 of the Sarbanes-Oxley Act in a Heterogeneous UNIX/Linux Environment

    PowerBroker? Servers works to protect the integrity of data across heterogeneous UNIX/Linux systems to help bring your IT systems into compliance especially with the SOX section 404 requirements as outlined by various over site boards such as COBIT, ISACA, ISO and the Guide to the Assessment of IT General Controls...

    Provided By BeyondTrust

  • White Papers // Oct 2009

    PCI DSS Compliance in the UNIX/Linux Datacenter Environment

    This document explains how BeyondTrust PowerBroker supports the Payment Card Industry Data Security Standard (PCI DSS) by limiting and tracking authorization to execute commands and programs that access servers and applications storing and using proprietary cardholder. BeyondTrust PowerBroker provides an auditable process that controls, monitors and records that access.

    Provided By BeyondTrust

  • White Papers // Oct 2010

    How Secure Is Your Sudo?

    CISOs managing large IT environments, combined with the "many eyes" in the open source community, are consistently discovering that sudo creates security, compliance and productivity challenges to enterprises seeking to protect critical assets. By examining the good, the bad and the ugly of the sudo solution, enterprises will learn that...

    Provided By BeyondTrust

  • 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

  • Case Studies // May 2009

    Backup Technology Case Study: The Bank of Gen Burnie

    The Bank of Glen Burnie is one of the largest Independent Banks in Maryland. They were challenged by increasing amounts of data at its main branch location. They needed a faster method of backing up of data because it was taking more than an entire night to complete all their...

    Provided By IDEALSTOR

  • 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