Create knowledge
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(rate this)
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Yes
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16
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10
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No
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suman kumar
| Argues in support of
"No"
| 1 year ago
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limitations of a mobile(memory, processor and softwares availability) is a major issue in using banking on mobile. it will have a long way to go.
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A CHANDRASHEKHAR IYER
| Argues in support of
| 2 years ago
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Yes indeed I support. For your information, more than 60% of indian adult population do not have access to banking products. More so in villages and small towns. Setting up ATMs or branches in every village would involve monstrous cost which the banks...
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Rashmi Patil
| Argues in support of
"Yes"
| 2 years ago
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Yes , Of course its very much comfortable if you have learnt how to use this. This will reduce the frequently going to banks or ATMs. by this method, we can do our banking transaction sitting in our home. So, I would prefer to carry out banking...
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Debate: "Would you be comfortable in carrying out banking transactions from your mobile?" deleted from your view.
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(rate this)
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1
High scrutiny of Loan applications
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3 Mantras for tackling Bank Fraud
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Dinesh Anand
| Added idea
"Use of New Technology"
| 10 months ago
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Layered Voice Analysis - LVA is a security level SOFTWARE TOOL, used by CIA, Pentagon, Insurance Companies and Corporates Globally, can be effectively used for both the employee honesty and integrity and also for Borrowerfor his intentsions ......
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A CHANDRASHEKHAR IYER
| Supported idea
| 2 years ago
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Great suggesion. I would like to add stricter implementation of KYC norms to customers and do's dont's for all bank/regulator's staff responsible for appraisal, monitoring, supervision and risk management of every credit decision for every financial...
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R.K.MALHOTRA
| Supported idea
"High scrutiny of Loan applications"
| 2 years ago
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Scrutiny of Loan applications is already their and banks do that also. Some strict laws can be brought in to force but how about the person/official not allowing him to indulge in mal-practice. “Wake-up” guys, it is we all, who has to change...
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Ideate: "Bank frauds on the rise: what should be done?" deleted from your view.
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(rate this)
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1
It was there - now made sophistecated
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fraud by way of collusion
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Syed Thameem
| Added idea
"Lack of Internal controls, SOD & Governance"
| 2 years ago
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Fraud is vibrant in Telecom and Banking industry due to the nature of their business. Due to cost cutting, less internal controls are followed, no governance. Some banks has no Fraud Department to face the fraud issues. Now the banking industry...
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A CHANDRASHEKHAR IYER
| Supported idea
| 2 years ago
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I endorse your view regarding the havoc created by the DSA system. I have come across many DSAs of pvt. sector banks offering to get loans sanctioned without going to the bank ever. You can experiment/experience this by calling up a DSA of used cars...
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Ideate: "What could be the major elements responsible for the commission of frauds in banks?" deleted from your view.
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(rate this)
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1
Banking through social networking
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no innovation required
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Ajudiya Mayur C.
| Added idea
""Banking will become a consultancy""
| 1 year ago
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In the future the banks will become a one consultancy agencies which provides a total financial facilities to customers as per their choice through the internet and with the virtual networks.
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A CHANDRASHEKHAR IYER
| Supported idea
| 2 years ago
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I agree with her. Mbanking is poised to penetrate every street, every village and every house through a mobile phone with a technological tie-up between banker and mobile switch operator. If properly promoted and implemented, every village will have...
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Ideate: "What innovations can happen in the banking space?" deleted from your view.
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(rate this)
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Yes
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10
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VS |
7
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No
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Prangya Pradeep Mohanty
| Argues in support of
"Yes"
| 1 year ago
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M shop facilities provided by the bank is relay a nice feature it will not only save your time but also protecting the country economy from fake & duplicate currency network but it is only effective if total security is provided to the consumer....
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A CHANDRASHEKHAR IYER
| Argues in support of
| 2 years ago
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I agree. ATMs Credit cards (E banking tools) have shattered brick mortar banking and now M banking is poised to penetrate every nook corner of India. The customer or the Business Correspondent (agent of bank) has to carry a mobile phone and do all...
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Dinesh Agarwal
| Argues in support of
"Yes"
| 2 years ago
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What we are seeing through SBI is just tip of the iceberg. M shopping is going to spread just like mobiles. This will further eliminate use of credit/debit cards/cash, personal visits and transaction delays. It offers a huge opportunity in...
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Debate: "Mshop facilities introduced by the banks: Will it be a success?" deleted from your view.
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(rate this)
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PWC should close down in India
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7
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5
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PWC should continue
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A CHANDRASHEKHAR IYER
| Argues in support of
"PWC should close down in India"
| 3 years ago
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The company which was chosen to guard the law turned out to be the biggest con company. It seems they sold spurious audit certificates for a price. Moreover, indians steal because of poverty, but these foreigners loot in crores and indian...
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Padmanabhan R
| Argues in support of
"PWC should continue"
| 2 years ago
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I would like to point out two things regarding. Auditing of a software company have unique challenges, dealing in intangible product - software, inventory valuation, wip estimation, work completed etc are difficult. Second thing ,( just hear...
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Debate: "Should PWCoopers firm close down operations in India ?" deleted from your view.
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(rate this)
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Sounds tough but very easy is to understand the concept of Corporate Credit Lines (CCL). These are the major sorces of funding and liquidity for corporations as well as important business line for commercial banks. Actually what happens is that Bank credit lines form major source of corporate funding and liquidity. What we do is that we examine the determinants of credit line usage with the database of Governing or Parent corporate credit lines. A line's default status is the major factor driving its usage. This is an interesting fact that Credit line usage is found to be inversly relatd macroeconomic conditions. Now let's have a loo upon some of the major applications of corporate credit l...
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A CHANDRASHEKHAR IYER
| Commented
| 4 years ago
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It is good article on corporate credit lines & banking. However you need to elaborate on credit risk management, determination of default risk and liquidity management decisions. I have come across cases where private lenders have made huge...
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Insight: "Empirical Analysis of Corporate Credit Lines" deleted from your view.
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(rate this)
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Here's good news for us all: the banking industry itself is, after years of downgrading that brick and mortar outpost, starting to take a fresh look at the branch. The reason? The meeting of two desires: customers wanting a real-life face to sit with when discussing complex products like investments or mortgages and banks wanting to maximise earnings per customer. The whole area is being discussed widely across the industry under the 'tellers to sellers' maxim. And that is giving IT vendors to banks a lot of new opportunities--from CRM (customer relationship management) systems to applications that automate the simple transactions that currently occupy most of the time of those tellers. The...
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A CHANDRASHEKHAR IYER
| Commented
| 4 years ago
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Excellent & timely article discussing 'untouchable matters'. Current retail banking minus active customer interaction is bound to meet a dead end sooner than later. I think the current crop of techno-geeks are blundering along without valid...
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Insight: "Future Retail Banking:"tellers" to "Sellers" " deleted from your view.
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