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Banking

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Camille Salvador

on 24 August 2015

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Transcript of Banking

Banking
and
Finance

A. CHANGES IN BANKING AND FINANCE
1. Banking and Finance
2. New Competitive Environment
3. Home Banking
B. IMPLEMENTING HOME BANKING
1. Using Personal Finance Software
2. Using Online Service
3. Using the Web

C. CORPORATE FINANCE
1. Intranet in Financial Management
2. Human Resource Strategy
3. Finance Software Market


Consumers do not have to purchase any additional software.

Consumers can conduct banking anywhere as long as they have a computer (not necessarily their own computer) and a modem.

Consumers can download account information into their own choice programs rather than following the dictates of the service provider.

How is Internet banking Different from Online Banking?
1. Pay Your Bills Online
2. View Your Transactions
3. Transfer Money between Accounts
4. Protect Yourself Online
Advantages of Online Banking
“He that is of the opinion money will do everything may well be suspected of doing everything for money.”

--- Benjamin Franklin


World Wide Web- based Banking allows banks to bypass subscriber-based online services and reach the customer's browser directly through the World Wide Web.
What is World Wide Web- based Banking?

Slow processing
Learning curve
Bank site changes
Trust aspect

Disadvantages of using Online-based Services

Automated Teller Machines
Credit Cards
Debit Cards
Smart Cards
Electronic Funds Transfer (EFT) System
Cheques Truncation Payment System
Mobile Banking
Internet Banking
Telephone Banking
Popular services covered under Online Banking



Online services-based banking allows bank to set up retail branches on subscriber-based online services.


What is Online Service- based Banking
Reporter:
Camille D. Salvador

Using Online-based services
Using the Web

Banking and Finance
>Financial sectors of the general economy to prepare individuals to engage in financial or banking services. Includes bank management, investments, and loan analysis and management.
HISTORY OF BANKING
Types of Banks.
1. Commercial banks differ from investment banks
2. Investment bank raises capital for businesses.
3. Consumer Bank such as a credit union or savings bank.
4. Financial services provided by banks.
5. Private banks.
Basic types and functions of banking services
Banking services are divided into three categories:
- Services for individuals or individuals
- Services for businesses
- Services for banks.

CHANGES IN BANKING AND FINANCE
Earliest Forms of Banking
Banking and Finance
A. CHANGES IN BANKING AND FINANCE

>The 1970s and 1980s brought us the rise of the ATM. Consumers became acquainted with online banking during the 1990s and the first decade of the 2000s. The 2010s are shaping up as the era of mobile banking.
CHANGES IN BANKING AND FINANCE
Our Financial Future: How Banking and Money Will Change
What about this????
>No more paper money by 2043? From 3-D banking to digital currency, a look at commerce in the future.
What is A Competitive Environment?
A competitive environment is where there are several similar firms that are competing for the same market segment. These firms normally produce products of the same nature and form and whose uses are more or less the same.
Advantages to Competition
• Nothing motivates a company more than having competition!

• Marketing efforts from competition can increase your sales as well!
Disadvantages to having Competition
Home Banking
Home banking generally refers to either banking over the telephone or on the internet.
NEW COMPETITIVE ENVIRONMENT
AND
HOME BANKING

• More competition means fewer sales as the other companies take some market share.
• Competitors can become allies with other competitors and become more powerful in the market
• Competitors can take away potential investors or buyers.
• Competitors can be fierce!
IMPLEMENTING HOME BANKING

AND

USING PERSONAL FINANCE SOFTWARE

HOME BANKING HISTORY
HOME BANKING IMPLEMENTATION APPROACHES
PROPRIETORSHIP BROKERAGE DIAL-UP SERVICES
OFF-THE-SHELF HOME FINANCE SOFTWARE
ONLINE SELF-BASED BANKING
WORLD WIDE WEB-BASED BANKING
Two Broad Categories of Financial Software
Money-management software offers:
• Budgeting
• Banking
• Planning
• Investing
• Reports
• Taxes
Two Broad Categories of Financial Software
Tax-prep software offers:
• Planning
• Importing
• Forms
• Reference
• Deductions
• Error checks
• Online filing
Benefits of Financial Software
Personal Finance Software: Organize Your Finances
Organization saves time
Personal Finance Software Knows Where Your Money Is
Intranet
Intranet is a computer network that uses Internet Protocol technology to share information, operational systems, or computing services within an organization.
Financial Management
Financial Management is the efficient and effective management of money (funds) in such a manner as to accomplish the objectives of the organization.
How Corporate Intranet is Useful for the Finance Department
Financial Reports
Policies and Procedures
Budgeting
Asset Management
4 Ways Intranet Software Can Benefit Your Financial Organization
Communicating time sensitive information to any employee in any location.
Informing employees with up-to-date information in real time.
Providing form-based workflows to assist with complex approval requirements.
Facilitating the electronic storage and transfer of documents in the most cost-effective manner.
Financial Intranet Software from Intranet Connections
1. Easy Access to Time-sensitive Information
2. Keeping Employees Informed
3. Intranets Provide Form-Based Workflow
4. Intranets are Cost-Effective
CORPORATE FINANCE
HUMAN RESOURCE STRATEGY
Human resource strategy means a system of human resource practices for a particular job or collection of jobs aimed at the best employee performance possible to meet the firm’s ultimate goals.
• Have something (skills, competencies, abilities).
• Feel something (commitment, engagement, motivation).
• Do something (come to work, be productive, serve customers, stay with the organization).

Employee Actions Affect Business Success
Employee Actions Affect Company Finances
Employee behavior can affect firm’s financial outcomes, especially in its impact on operations and customer service. For instance, when quality and productivity decrease, there is an immediate impact on expenses if products must be destroyed, reworked or produced at higher cost.
FINANCE SOFTWARE MARKET
A type of computer software designed to help individuals manage their corporate finances and companies meet their accounting needs.

-Complete financial tracking in multiple
-A complete Financial Picture
-Currency Conversion
-View Status
-Real time reporting

No more Late payments
-Make Tax Time Easier
-Track and analyze Investments

Intranet in Financial Management
Human Resource Strategy
and
Finance Software Market
Reporter:
Babymil Conese
Reporter:
Yves T. Gabriel
Thank
you.

by: Group 2
Benefits of banking online
Here are some benefits of doing your banking online:
• You don`t have to wait in line.
• You don’t have to plan your day around the bank`s hours.
• You can look at your balance whenever you want.

Disadvantages of banking online
Here are some disadvantages of doing your banking online:
• Setting up an account may take time.
• Learning difficulties.
• Site changes and upgrades.

Corporate finance
Corporate Finance is the area of finance dealing with the sources of funding and the capital structure of corporations and the actions that managers take to increase the value of the firm to the shareholders, as well as the tools and analysis used to allocate financial resources.
Reporter: Joan Rosales
Reporter: Febrie San Diego
Reporter: Adonis Quibedo
Opening Remarks
by:
Febrie San Diego
Open Forum
Closing Remarks
by:
Prof. Mhel P. Garcia
Full transcript