Banking & Investment

Trends

Customer savings levels will continue to increase to levels not seen since the 1970′s .

Emerging Markets

This will clearly be the biggest area for growth opportunity.  The GDP of emerging economies will be bigger than the G7 economies by the end of the decade with China surpassing the United States.  Finding quality talent in emerging markets to support business operations both in the front office and I.T. will be challenging. Numerous Investment banks , Hedge funds and Asset managers will be competing for the same talent pool.

Threats

Over – regulation  -   Ceo’s of Investment banks see overregulation as the biggest threat to their business. Regulation will be costly and to much regulation will stunt innovation and shrink liquidity in the markets.

Governments will be looking to the private sector for providing capital and delivering services that will best support government initiatives. We are already seeing this trend in the U.K. Because of the past financial crisis banks might be required to buy debt of local companies to support their businesses.

Technology 

This will be critical to the growth of Investment banks. Banks will need to cut costs be operationally efficient and be able to create central architectures that best align them to react to changing customer needs and opportunities. Banks will continue to consolidate and leverage their key competencies leaning on their core franchise strengths.

The two processes that rule the finance industry are lending & borrowing of money. Both these processes almost always go together in a cyclic manner. But, what happens when this cycle is disrupted by some borrower who could not repay the credit on time? Definitely, problems arise and creditors employ many different ways to get their money back. In the finance industry, the task of fetching money from the debtors is taken care of by credit controllers.

Credit controllers form an integral part of the finance industry and they perform the crucial task of monitoring the debtors for timely payments of interest and the principal amount. For all those who wish to make a career in the finance industry, credit controller position is a good option. Generally, at the entry-level credit controllers are not given many responsibilities but after establishing oneself in the industry the complexity level of responsibilities increase. Thus, one should join the finance sector as a credit controller only if he/she can work for long hours with a positive attitude.

Some of the job responsibilities of a credit controller include:

● Maintaining Debtor’s Accounts – Large credit companies have a long list of debtors and accounts of these debtors are divided amongst the credit controller. So, each credit controller has to carry out different tasks related to his debtor account like generating invoices, follow up debtor on payment, and even creating new accounts after filling all the required details.

● Representing Company in Court – Every day large numbers of fraud cases are registered in the finance industry and credit controllers have a role to play in such instances as well. A credit controller has to be present in the court when a case is filed against some debtor in his list.

● Taking Crucial Decisions – With a few years experience in hand, credit controllers can take crucial decisions such as declaring a debt as bad debt and many more.

“A penny saved is a penny earned” – This very famous quote by Benjamin Franklin holds true even today. Entities that can be purchased in exchange of a few pennies always attract masses irrespective of the part of the world you are in. Well, this trend is not just confined to shopping of clothes, footwear, and gadgets but it has paved its path to the stock market as well. An upshot in the availability of penny stocks persuades investors to invest heavy sum of money and that too without reflecting on its detrimental consequences.

Before brining cons of penny stocks to your notice, here is mentioned what exactly penny stocks are. Basically, these stocks are the shares of small scale companies in the stock market. Since the companies are small, their shares are traded at very less prices ranging from $1 to $5. Penny Stocks, which are also known as cent stocks, come at small prices and people can easily afford them.

Now, the cost of these shares is meager and investors do not think much before investing the money. However, a few penny stocks related issues can cause heavy monetary loss and thus investors should ponder over them before investing large amounts.

Price manipulation is one of the most common problems associated with cent stocks. The price of these stocks is so low that even a single individual can manipulate the prices for the rest of the people. The market of penny stocks for any small company is not stable and thus the prices can increase or decrease to any extent. In such an unstable market, inexperienced investors can take wrong decision and end up losing great money.

The stock market is highly unpredictable and one hasty decision might turn out to be devastating. Thus, it is always advised that green investors should analyze the pros and cons of shares before investing their hard-earned money in any of them.