Create knowledge
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Pakistan should take immediate action
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Should keep quite
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Abhijeet Kadian
| Argues in support of
"Pakistan should take immediate action"
| 3 years ago
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Mr.Amrutpal tusi bilkul theek ho.That attack on the srilankans was actually meant for the indian team but fortunately our government did not allowed the tour to go ahead.But pakistan definitely need to do something about it because if they will...
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Anirban Bhattacharjee
| Argues in support of
| 3 years ago
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I hope the players may come out safe of this tragedy. Pakistan, evidently, is a failed state now. I feel sorry for the common man sitting there who is helpless as well as ashamed. I think this is a high time for the Pakistani government to break the...
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Yash Singh
| Argues in support of
"Should keep quite"
| 3 years ago
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ABSOLUTELY SHOCKED !!! Pakistan should keep quite shut their mouth let world take control. This is really nonsense. The terrorists in Pakistan have no limits. They are fully free to do whatever mad things possible on earth. The government is...
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Debate: "Attack on Sri lankan cricket team" deleted from your view.
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KYC (know your customer) issues
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Customer retention
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Pervash Kumar
| Added idea
"Regulatory compliance requirements"
| 3 years ago
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The Regulatory compliance, this is a challenge as the retail banks are considered world over now, where including Homeland Security, the Basel II framework, and privacy regulations, are forcing financial institutions to overhaul their information...
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Anirban Bhattacharjee
| Added idea
| 3 years ago
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KYC Issues and money laundering risks in retail banking is an important issue according to me. Retail lending is often regarded as a low risk area for money laundering because of the perception of the sums involved. However, competition for clients may...
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Atul Thapliyal
| Supported idea
"KYC (know your customer) issues"
| 3 years ago
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yes one should know your customer very well and in recent days where technology is involved in everything, banks need to provide customers with faster and more complete statements in the mail as well as secure, instant online access to current...
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Ideate: "What are the opportunities and challenges of retail banking in India?" deleted from your view.
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PIN numbers
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Financial Inclusion
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Jyoti Rath
| Supported idea
"PIN numbers"
| 2 years ago
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I agree with Anirban. Remembering too many numbers is not always an easy task to do. But those banks are remembering PIN for internet and telephone banking are indeed taking a good initiative. Therefore, we should have a minimum number of PIN...
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Anirban Bhattacharjee
| Added idea
| 3 years ago
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Multiple PIN numbers to be remembered for each delivery channel (product) are an obstacle to adoption. As it is, everyone has to remember a plethora of numbers, be their phone, PIN, PAN short codes, passwords, user ids for mobile, credit and debit...
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Ideate: "How the mobile phone can power banking?" deleted from your view.
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Address security concerns
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Providing secured mobile banking services even from Normal Handsets
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ATMA RAM CHAVALI
| Supported idea
"Address security concerns "
| 2 years ago
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Yes, addressing security concerns is a must.At the same time the banks have to campaign more aggresively about mobile banking. Now in India there are more number of mobile users than net users.The banks should concentrate on rural/semi-urban...
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Anirban Bhattacharjee
| Supported idea
| 3 years ago
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Das, you are right the first thing is just awareness, to increase customers’ understanding of the products available. You’ve got to tell the market that this service is now available to them and that this is the value proposition that’s being offered....
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soumya saxena
| Supported idea
"Address security concerns "
| 2 years ago
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I think the two main factors are awarenes security about the facility being provided.the media channels are working so goo that awareness can be generated in some time . but if there is no security of transactions is involve .it will not work
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Ideate: "How do you accelerate customer adoption rate for mobile banking?" deleted from your view.
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GUNDUPAGI MANJUNATH
| Answered
| 3 years ago
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User Friendly software Easily can be updated whenever new updates come Training and devlopment of the employees to use the software should be given by the vendor only Customised solution (we need to select the vendor where vendor can analyse our...
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Rama Kishore
| Answered
| 3 years ago
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Selecting a core banking software vendor would require a few initial considerations; • Major consideration is the installation base of the software especially in the country required. Each country has its regalutry consideration which requires to...
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Answer: "If you were to select a core banking software vendor for your microfinance or consumer bank, what would be your selction..." deleted from your view.
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Here are some principles given for the management of credit risk . 1. While financial institutions have faced difficulties over the years for a multitude of reasons, the major cause of serious banking problems continues to be directly related to lax credit standards for borrowers and counterparties, poor portfolio risk management, or a lack of attention to changes in economic or other circumstances that can lead to a deterioration in the credit standing of a bank's counterparties. This experience is common in both G-10 and non-G-10 countries. 2. Credit risk is most simply defined as the potential that a bank borrower or counterparty will fail to meet its obligations in accordance with agr...
Trends: "Priniciples for managing credit risk " deleted from your view.
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Neural networks in financial engineering Neural networks have shown considerable successes in modeling financial data series. However, a major weakness of neural modeling is the lack of established procedures for performing tests for misspecified models, and tests of statistical significance for the various parameters that have been estimated. This is a serious disadvantage in applications where there is a strong culture for testing not only the predictive power of a model or the sensitivity of the dependent variable to changes in the inputs but also the statistical significance of the finding at a specified level of confidence. Rarely is this more important than in the case of financial...
Insight: "A new approach in financial engineering " deleted from your view.
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The concept of risk and risk management are core of financial enterprise. The importance of appropriate and effective risk management are always stressed by regulators. Bank of International Settlements (BIS) through Basel Accords has also stipulated risk management practices required for banks. Union Bank of India (UBI) has taken various initiatives for strengthening risk management practices. Bank has an integrated approach for management of risk and in tune with this, formulated policy documents taking into account the business requirements / best international practices or as per the guidelines of the national supervisor. UBI has made policies to address risks in three different areas. ...
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Srinivas suravajhala
| Commented
| 7 months ago
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The goal of risk management is to decrease the various risks which are associated with reaching any specific goal. Threats can come in a wide variety of different forms, and some of them include threats involving the environment, humans,...
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WASIM RAJA
| Commented
| 4 years ago
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Hi I am planning to do a certification programme in Risk management, Kindly provide us the details of, Where to contact and where to approach. Regards Wasim.
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Insight: "Effective Risk Management in United Bank Of India" deleted from your view.
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