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Beyond Bricks and Mortar: The Open Banking Revolution

Tom Spencer

Open banking is transforming the financial industry , promising greater transparency, competition, and innovation. The European Union, which looks set to introduce updated rules about digital payments and financial services within the next two years, is at the leading edge of regulating open banking. What is Open Banking?

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Gen AI in Banking: Current State of Affairs

Tom Spencer

When it comes to tech innovations, the banking sector is usually ahead of the curve. Banks are buzzing with excitement over Gen AI, and its future in the sector looks even brighter. Banks are buzzing with excitement over Gen AI, and its future in the sector looks even brighter.

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Gen AI in Banking: Recognizing the challenges

Tom Spencer

While Gen AI holds big promise for banking , most of the current deployments are limited to just a few areas or don’t go beyond the experimental phase. Though early pilots appear impressive, it will definitely take time to realize Gen AI’s full potential for the banking industry. Five Challenges for AI in the Banking Sector 1.

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Bank Profitability: Decoding the Income Statement

Tom Spencer

How do banks make money? What is a bank really worth? Firstly, by outlining the major items on a bank’s income statement, and then by discussing key ratios that are commonly used to measure profitability and to estimate the market value for banks. Where does this money ultimately go?

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Gen AI in Banking: Transformative Use Cases

Tom Spencer

Despite many current applications being small-scale pilot projects, the promise of Gen AI to revolutionise banking operations and enhance customer experiences is becoming clear. This helps banks to quickly identify profitable investment opportunities and risks so as to maximise investment returns and minimize losses. Risk Management 3.1

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Bank Valuation: Understanding Key Ratios and Metrics

Tom Spencer

In the previous article , we looked at how banks make money and how they must meet capital requirements. In this article, we will explore the importance of profitability ratios and valuation metrics that are crucial when analyzing banks. It provides insights into how effectively a bank utilizes shareholder capital to generate profits.

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Investment Banking 101: Understanding the Industry

Tom Spencer

Investment banking forms part of the financial services industry involved in the underwriting, distribution, and trading of securities. What Investment Bankers Do There are several key roles within investment banking, including corporate finance, sales and trading, and research.

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