Banks, Liability and Risk, 3rd Edition, is a probing look at the risks faced by banks and other lending institutions, showing problems typically faced by these institutions and highlighting the legal remedies available, with copious references to case law and precedents. The nature of the risks and liabilities which banks are exposed to are continually changing. This new edition has been completely revised to incorporate these changes, so that you can provide your clients and colleagues with the most up-to-date advice.

In this book, David Braund offers a significantly different perspective upon the history of Roman Britain. Rather than relying on archaeology, the author concentrates on the literary evidence, drawing a colorful picture of the social and political context of Roman imperialism. The study discusses Roman theories of imperialism as well as the intellectual and political atmosphere within which Caesar mounted his invasions of Britain in 55 and 54 B.C. Braund shows how the ideologies and power structures at work in Rome fundamentally shaped politics and society in Roman Britain. Thus he develops an understanding of the literary sources which goes beyond mere translation and allows the reader insights into this remote corner of the Roman world.

Everything that we know about the world of finance is changing before us. Innovation is happening constantly, despite the protests of the traditional financial industry. With all the new technology that we have today, it is almost mind-blowing to think about the kind of technology that we will have in another ten years or so. The change is going to keep coming, the only thing we can do is get on board with it. This book introduces the basics of FinTech and equips readers with the knowledge to get on the cutting edge of age we live in today.

More than one billion people still live below the poverty line - most of them in South Asia and Sub-Saharan Africa. Financial inclusion is a major issue, as more than three-quarters of the numbers of poor and disadvantaged women and men do not have access to financial products and services, such as bank accounts, affordable and suitable loans, and insurance. The key objective of this book is to provide practical case studies of financial inclusion, rather than focus on academic debates such as the ideological basis of promoting microfinance. Using the recently adopted Sustainable Development Goals as an overall framing of the issues, it shows how poor and disadvantaged women and men can be bankable if the right facilitation for maximizing opportunities and addressing constraints are in place. Case studies confirm that achieving inclusive and sustainable access to financial products and services goes beyond simply enabling poor and disadvantaged women and men to have access to credit, or the ability to open a bank account. Examples from Africa, Asia and Latin America demonstrate encouraging progress in making microcredit accessible to millions of poor people. The foremost challenge, however, has been to ensure that they have access to, and usage intensity of, suitable and affordable financial products and services that meet the needs of their livelihoods as well as risks and mitigation strategies. This requires understanding that poor and disadvantaged women and men do not exist in isolation from complex and interdependent functions in the financial system, which includes a number of actors, diversified services, constraints (not just symptoms) and capacities and incentives. Overall, the book provides a rich source of examples of how building inclusive financial systems can empower the world's poor - by increasing income and employment opportunities, securing livelihoods and reducing poverty.

Within a practical business context of the changing, competitive climate, this book details the implications for marketing strategy. New chapters cover topics such as credit cards and customer care, while several relevant case studies have also been added. Combining analysis of principles, concepts and techniques with sound practical advice, 'Marketing Financial Services' is ideal for students on degree and postgraduate courses, including Chartered Institute of Bankers. There is also a tutor resource pack to accompany the case studies in this textbook.

Dieser Jahrgangsband bundelt alle Bankmagazin-Ausgaben des Jahres 2021. Unabhangig, kritisch, kompetent! Fur Fuhrungskrafte der Finanzwirtschaft und solche, die es werden wollen. Das Bankmagazin ist die groesste verbandsunabhangige Bankzeitschrift Deutschlands fur Fach- und Fuhrungskrafte in Banken, Sparkassen und der Finanzwirtschaft. Unabhangige Experten vermitteln fundierte Informationen aus allen bankrelevanten Geschaftsfeldern. Branchenentwicklung, Marketing, Kundenservice, Vertrieb, Personal, Informations- und Kommunikationstechnologie und Finanzprodukte stehen im redaktionellen Fokus. Der Serviceteil erganzt das Themenspektrum durch Unternehmensnachrichten, Produktinformationen, Interviews, Fallstudien, Trends, Veranstaltungen, Literatur und Anbieterverzeichnis.

This book examines the case of nominal income targeting as a monetary policy rule. In recent years the most well-known nominal income targeting rule has been NGDP (level) Targeting, associated with a group of economists referred to as market monetarists (Scott Sumner, David Beckworth, and Lars Christensen among others). Nominal income targeting, though not new in monetary theory, was relegated in economic theory following the Keynesian revolution, up until the financial crisis of 2008, when it began to receive renewed attention. This book fills a gap in the literature available to researchers, academics, and policy makers on the benefits of nominal income targeting against alternative monetary rules. It starts with the theoretical foundations of monetary equilibrium. With this foundation laid, it then deals with nominal income targeting as a monetary policy rule. What are the differences between NGDP Targeting and Hayek's rule? How do these rules stand up against other monetary rules like inflation targeting, the Taylor rule, or Friedman's k-percent? Nominal income targeting is a rule which is better equipped to avoid monetary disequilibrium when there is no inflation. Therefore, a book that explores the theoretical foundation of nominal income targeting, comparing it with other monetary rules, using the 2008 crisis to assess it and laying out monetary policy reforms towards a nominal income targeting rule will be timely and of interest to both academics and policy makers.

The widespread use of bankchecks in daily life makes the development of check-reading systems of fundamental relevance to banks and other financial institutions. This will improve productivity and allow advanced customer services. Therefore, many industrial companies and academic research laboratories have recently been attracted to this field, which involves several aspects, like image acquisition and preprocessing, layout analysis, preprinted data identification and recognition, user-entered data extraction, recognition of handwritten characters and words, and signature verification.The contributions collected in this book present the state of the art in the field of complete systems for bankcheck recognition, and explore the most promising trends in key aspects of this research field.

This book provides an introduction to financial supervision as practiced and discussed by stakeholders and in academia. It covers the "why, who, and by whom" issues of financial supervision, offering international comparisons as well as perspectives from different academic disciplines such as law, finance, economics and public administration. The books is based on an extensive survey of available research and publications on the topics covered, as well as a large number of interviews with stakeholders at different levels and in different countries who work with the implementation, enforcement and/or compliance with financial regulation on a daily basis. By recognizing the multi-disciplinary nature of financial supervision the book will be of interest to both practitioners, students and academics, and respond to the growing need for authoritative guidance in this complex area.

2007 and 2008 saw the biggest financial crisis since the 1930s. Banks looking for better yields from plentiful, cheap money made much more use of complex financial instruments, without fully understanding the risks to which they were exposing themselves and the financial system. Defaults on subprime mortgages underlying some of the instruments shattered confidence and financial markets seized up. The framework of regulation and supervision in Britain failed to avoid or mitigate the crisis. The tripartite authorities in the United Kingdom - Bank of England, Financial Services Authority (FSA) and HM Treasury - failed to maintain financial stability and were found wanting, in part because the roles of the three parties were not well enough defined and it was not clear who was in charge. Too little attention was paid to macro-prudential supervision (oversight of the aggregate impact on financial stability of individual banks' actions). Only the Bank of England and the