Investment banking is one among the fast-growing careers round the world. So, people who are investment bankers will surely have a demanding career, there is no doubt in that. Here are a number of the positions and career paths a peer can choose after through with investment banking course.

1) Investment banker: The underwriter is one among the foremost selected paths among investment banking passed outs. The career of an underwriter will grow along a good standard path from junior to senior.

 Analyst  Associate  Account manager  Director  Managing director
Some of the banks may have different positions representing their hierarchy. If you are not done with your graduation yet and applying for a bank job with the aim of landing in a bank analyst, do well, stay consistent and be interested in staying with the same bank. Because you might get promoted directly to Investment banking associate.

2) Investment banking analyst: Mostly these are the people that are undergraduates and yet take part an Investment bank for a two-year intern program.

After two years of working, top-performing analysts are promoted for third year then on to associate. Analysts are the beginner of the hierarchy chain of Investment banking and that they affect majority of the work. The primary tasks of analysts are presentations, analysis, and administration. Analyst spends a lot of time preparing the ppt’s called pitch books. These ppts are helpful to the clients. It requires a lot of patience. Another most important task of the analyst is analytical work. These people are expected to perform in front of clients using their reports which were made by them. The third main task is administrative work. Such as Scheduling the daily work and setting up the conference calls and meetings arranging the travel schedule and many more things. Because it gives you an opportunity to feel how your client exactly feels and check out to win their business.

3) Investment banking associate: These people are usually recruited directly by MBA programs or analysts who were promoted. To be frank, most of the bankers will be at the associative position before they are promoted as vice president. These associates are classified into three types

 First-year or class 5  

Second-year or class 6  

Third-year or class 7

The number of years that takes to urge promotes because the vice chairman completely depends on the bank. It could be more than three years if there is no need for the new vice president for the bank. The associate should make a choice to remain at this working bank or to go away the bank and await other opportunities. The role of an associate is as almost like the analyst role but with a much bigger responsibility.

4) The senior bankers: The primary task of the senior banker is to take care of a healthy relationship. Apart from maintaining good relationships they also tend to anticipate some of the important deals in the banking sector. They mainly anticipate deals like economic environments shift and when there is a need to raise the capital. By fulfilling such needs, they’re most liable for bank development and growth.

Investment banking provides a various amount of opportunities for the sincere peers. An ocean of opportunities. So choosing a career in an investment banking career can never be the worst option but you need to face challenges and be consistent by developing the required skills for the market and you are the king.

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Many folks cannot imagine a life without online banking. Transfer of funds, checking of accounts, making payments, everything can now be through with a few of clicks on the pc or the phone. Besides these benefits, digital banking offers tons more to the overall public who want to open their eyes and see it. it’s also crossing plenty of barriers to cause real change within the planet of banks. Recent advances within the banking and financial sector like blockchain, IoT, eKYC and AI are all digitally-inclined. While banks, small and enormous , everywhere the earth take the automated push, the above mentioned modern modes are able to vary the way we glance at banking today. Here’s a peak in to what advantages does digital or online banking offer:

1. Easy-Peasy: Though Digital Banking has not entirely replaced the brick and mortar banks; it’s definitely the more preferred option. Long queues are cut and reasons to travel to a bank in physical have reduced to almost none. Everything from opening and account to managing savings are often done online. Banks too are adding more and more services on their web portals that are refurbished as repeatedly as needed . A virtual account during which you’ll actually view your monetary arrangements clearly has helped people have a more organized financial life.

Apart from this 24×7 online banking services is another added advantage for users who feel more on top of things of their accounts and finances.

2. Mobile Banking: Today most banks have their own mobile apps that provide all the benefits of online banking on the phone. The evolution from text alerts and phone banking to app banking services has been a crucial one. it’s quicker and more convenient. Check abreast of your account once you are out shopping or conduct speedy real-time transfers once you are making a sale , mobile banking is certainly making online banking easier.

3. Money Applications: After demonetization in India, money applications like Pay TM and TEZ have gained supreme popularity. These apps can automatically sync with one’s online banking information and helps in adhering to targeted budgets while shopping or purchasing. Many of these apps work on both the pc and mobile device for higher degree of knowledge when one the go. E-statements also are important to be prevented from overdrawing one’s account.

4. Security: While online transactions are always marred with a specific sense of insecurity, experts believe that if one is careful there is no safer or private system. Firstly, clear cookies after any banking session at a public computer. Create long and sophisticated passwords that can’t be hacked. Don’t ever share your online account information with anybody. Always keep a track of your credit report. Prevent yourself from fraud with these measures.

5. Cost-effective: For banks, digital banking has lowered the operating costs by eliminating back-office processing operations, fewer mistakes and fewer branch visits needed to less staff requirements. Yes, going digital does mean investing during a reliable and scalable IT infrastructure but it also means independence from legacy systems that always stall a bank’s progress. Apparently, banks are worried about investing certain a change but smarter businessmen always know that not investing during a change might convince be costlier later.

These benefits of insignificant infrastructure and overhead costs helps banks to raised serve their customers by lowering interest rates on savings and loans. No minimum balance accounts and no service fees could also be a results of such automated banking.

Meanwhile, digitalization in banking has already put a stop on several malpractices like circulation of counterfeit notes which has been a serious threat to the economy since a few years . Also, taking customer feedback has become easy now enabling the banks to supply better services. Digital banking also means more digital data and this suggests that big data analysis are often administered by banks to research data accurately. this may eventually cause better deciding , less costly solutions, and improved customer experience.

Digital banking also means more digital data and this suggests that big data analysis, for more information visit us at: Digital Banking AND mobile banking solution.

For more information please visit Kent Kristensen website.

Today’s progress in economy and technology has made banking easy. Through internet banking, you can now access the basic functions anytime and anywhere you would want. They are even accessible through your fingertips via your mobile phone.

While there are several benefits to the present sort of internet and mobile banking, the flip side of this coin also shows up. There are certain risks involved this type of banking, which has remained an enormous concern for users. In order to make sure that you simply enjoy secure and safe banking transaction, here a couple of factors you’ll follow:
Always use genuine anti – virus software: Very often it is your system that gets compromised through phishing, malware and virus software. This is also applicable for mobile banking.In order to guard your computer or mobile from such factors, you would like to use a real anti – virus software. While you do get trail versions online, a completely anti – virus software will help detect and remove spyware that can allow outsiders to access sensitive information.

Avoid using any public Wi – Fi: one among the most important threat of internet banking with a public wi – fi network is that the hacker can sit between the end user and therefore the hotspot and trace all the info with ease. With this quick access , the hacker can easily introduce malware or viruses into your device. So if you want to use the Wi – Fi for any internet usage, avoid using it to access your bank details or make any payments. As a precaution, you can set up a VPN software on your computer to create a secure a tunnel between the computer and the internet.

Check for the latest update on your operating system: Whether you are using a computer, laptop or any mobile based device, you should ensure that your operating system is well updated with the latest security patches and updates. As far as possible, avoid using cracked OS’s or jail breaking or rooting your phone. You should also look to limit or restrict access from programs or apps that are being installed, to only what they really require.

Change your password regularly/keep a strong one:While this may sound cliched and avoidable, it is important that you keep your account safe while maintaining confidentiality. The facts goes without saying you want to not share these details with anyone. No bank will ask for your confidential information. Additionally, once you are changing your passwords, choose strong or long passwords. If you must, create different passwords for log – in and your transactions.

Subscribe for mobile notifications: it’s going to appear to be a nuisance to urge constant alerts, but it’ll actually work to your benefit, especially if you get a moment notification if any suspicious transaction occurs. Whether the transaction exceeds the precise limit or within it, you’ll remember of what proportion funds is remaining in your account. Additionally, you will also get alerts if there are any unsuccessful login attempts to your net-banking account.

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The importance of accounting to each business are some things which will hardly be ignored in any way. This is the rationale why businesses are starting to take it seriously in recent times quite ever before as they need discovered the roles its knowledge also as skill can play in enabling them achieve their goals and objectives over a given period of your time .

Here Is The Easiest Way! Are you considering the way to do effective accounting for your business? Do you know that with the assistance of online accounting services such might be a enter the park? In case you’re considering completing this process on your own, you’ll want to think about reading this post from start to end . This is because it’ll be getting to have you ever exposed to a number of the highest benefits of online bookkeeping services. They will help to possess you conscious of why you would like to start out using such companies for your business today.

It Can Save Your Time Do you want to know why your business isn’t moving at the moment? It is thanks to the very fact that you simply try to try to to too many things at a time. With the arrival of online bookkeeping services, you’ve got the chance to outsource the accounting aspect of your business to knowledgeable company which can make sure that all the monetary aspects of your business is covered in the way that they ought to.

This causes you to to be very effective in other activities which will need your attention. Don’t forget that bookkeeping isn’t only technical but also very demanding when it involves time. This is because for the records to be perfect, every oversight will need to be sorted call at the simplest possible way.

Handling of Payments

This is one among the aspects where you’ll find it very difficult to try to to without hiring online accounting services. They have been discovered to be platforms where trust and confidence are created between business owners and their workers. Trying to stay track of who and when to pay isn’t easy in any way. Through the services rendered by these professionals, you’ll see that such are often handled.

Moreover, it’s possible that you simply could make mistakes when trying to handle this on your own as you are not knowledgeable . Professional online accounting services attempt to make sure that there are not any rooms for mistakes when handling monetary issues.

Professional Advice

This is perhaps one aspect where online bookkeeping services can hardly be ignored. They will make sure that you’re given the simplest pieces of recommendation in other to make sure that monetary activities are handled during a professional way. Lots of businesses are struggling today thanks to the very fact that their owners can’t seem to know how financial matters are often handled. These experts are there to make sure that you simply are given professional guidance whenever they’re called upon at any time of the day.

Having seen the above, it’s obvious that there are many ways which online bookkeeping services can positively affect your business activities.

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We take you through the concept of ‘personal banking’ and how it helps your personal financial life. There was a time several years ago that banking was a chore best left to those who had a lot of time to kill. In the pre-computer and Internet era, every bank had long lines of customers at every counter, with hours being taken to dispense cash, process cheques, make out DDs, etc.

But today, Internet-based banking has enabled customers to take more control of their finances with minimal bank intervention. However, the bank must first provide a range of web-based and offline personal banking products and services.

What is personal banking? Personal banking is a set of functions and processes which help facilitate personal savings, investments, money transfers and receipts, account monitoring, and so on. It encompasses a gamut of tasks, from accounts to deposits, and from loans to investments. Through the bank’s help you can organise and monitor your finances in a better way, and gain more access and control over your own money.
Some of the prominent benefits of personal banking are as follows:

You can open a savings and recurring/fixed deposit accounts.  You can create new investments with the bank’s help, and also invest in insurance, market-linked options, etc. Personal banking services include giving customers cheque books, pass books, free debit card on opening the savings account, and net banking credentials. Leading banks have superb smartphone apps that help you bank on the go. These apps offer all the bank’s products and services, and also facilitate money transfers, collections, bill payments, online shopping, etc.

This banking also offer doorstep banking products and services for busy individuals.
 Personal banking makes you financially more aware, and gives you better control over your financial destiny. Besides, the bank is always on hand to help in times of distress or emergencies.

How to maximise personal banking services from your bank * Say ‘no’ to cash payments, and ‘yes’ to digital transactions. You must leverage the considerable power of the digital medium to link your account with your debit card. Every time you swipe your debit card at a cash point, or use the card number to shop, the money is auto-debited from your account in a secure manner.

* Get cash back and discounts on e-banking. Leading banks offer ECS facilities to pay utility bills on time, and they also have tie ups with online merchants so that you get discounts and cash back offers when you shop, book tickets, etc. You can do all your transactions online, whether you buy groceries or jewellery, and save a lot of time and money.

* Bank with the best banks for a secure experience. Leading banks invest heavily in ensuring total privacy and security when you bank online. They encourage you to change your log in password and ATM pin frequently, and swiftly flag down any attempts at phishing and online theft.

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