100 research outputs found
Introduction to bank products
No full textOne way or the other, we all come across the different types of mortgage loans. But we may tend to ignore the aspects associated with the mortgage loans, up to the point when we want to apply for one. When shopping for a mortgage loan, the objective is to apply for the best possible loan. But you could never know what is the best mortgage loan until you understand the types of mortgage loans as well as advantages and disadvantages associated with each type
Bank products from a personal finance perspective: Managing your banking activities
No full textBank products from a personal finance perspective: Managing your banking activities
Getting acquainted with the basics of bank products
No full textThe aim of this short book is to provide a basic insight into some aspects regarding the most basic products. Namely, the decision to choose your bank or switch from your old bank is presented taken into consideration matters which will impact the decision to choose a bank. Since credit cards are widely used product, bank clients should also get familiar with the basic characteristics of this product and how credit cards work. In addition, the cost of using credit cards is one of the most important issues that should be taken into account
Understanding credit scores and mortgage loans
No full textOur financial behavior has major impact on our credit score. Thus, before taking any action that will hinder the credit score, you should understand why it is important to have a good credit score. Various factors affect your credit score, while your credit score has important part in the process of loan approval. Banks and other lenders are taking into consideration your credit score as a mean to get familiar with your spending habits, level of debt, and your financial situation in general
Overview of neobanks model and its implications for traditional banking
No full textTraditional banks enjoyed a favourable position in the financial markets for many decades, as the number of threats coming from outside the sector was almost non-existing. Nevertheless, the changing landscape of the banking industry in the post crises period opens up the gates for new entrants to become a significant disruption for the traditional banks. One such disruption
comes from neobanks which represent an institution operating under a new type of bank business model.
This new model may be considered as the opposite of the existing banking models since it is a fully online bank while conventional banks rely heavily on the physical presence through a network of branches. Hence, the development of new ways for the creation and delivery of
financial products have some major implications for the traditional bank. These implications predominantly can be found in the cost levels and cost structure, products and service delivery, personalization of products and acquisition of new customers
Financial performance of selected hotel groups and resorts during COVID-19 pandemic: 2019/2020 comparison
No full textThe outbreak of COVID-19 brought many negative effects in different regions and economic areas. However, the hotel industry suffered the most adverse effects due to restrictions and measures imposed by countries. Hence, hotels took substantial hit on their financial performance and efficiency. The adverse impact was not same for all hotels across the globe. The extent to which they will record worsening financial performance depends on the implemented governmental measures and actions taken by the hotels. Assessment of changes in revenues, expenses and expense to revenues ratio shows the magnitude of the impact induced by the pandemic. The findings suggest that most hotels have suffered a substantial loss in revenues and significant increase in expense to revenues ratio
Parents' perception of technology in a Swedish kindergarten and technostress amongst preschool teachers
No full textThe new changes in the Swedish curriculum for the educational system demand more digitalization in the kindergartens. However previous studies have shown that the current level of handling technology amongst preschool teachers in Swedish kindergarten is low and may create difficulties in their work. This thesis investigates a kindergarten that wants to implement a mobile app for more transparent and effective communication between preschool teachers and parents. The aims are to highlight the common perceptions and expectations from a parental point of view concerning a mobile app for communication while establishing if the preschool teachers experience technostress at their work. The data were gathered from conducting interviews and one online survey. The main finding of this study was that preschool teachers and parents should be more involved in the process of finding a suitable mobile app so they would be motivated to contribute to better daily communication. This study suggests that the most important strategies for implementing a mobile app for communication are to inform, educate and involve all the concerned parties
Financial technology companies as a positive disruptor for the hospitality industry
No full textHospitality industry is considered to be a vital part in the process of economic development and economic growth. Nevertheless, it is facing certain obstacles and disruptions which are hindering the growth of the hospitality industry as well the growth of the tourism industry. One of the most quoted factors impeding
industry growth is the access to finance, while most quoted factor for rise of many disruptors is technological innovation. Although technology has created non-traditional competitors, the hospitality industry should use technological innovations to solve the access to finance problem. The solution for hospitality industry is coming through the financial technology companies (fintech) offering alternative financing sources. There are numerous examples in which enterprises from this industry have successfully raise the needed capital for investment projects through crowdfunding platforms
Fintech firms opportunity or threat for banks?
No full textNew technological innovations combined with the consequences after the last financial crisis
created disruptive forces in the financial markets. Namely, during the last couple of years, vast number of
FinTech start-ups have started to offer financial products and services, previously offered by the banks.
These types of non-banking financial firms are shaking the banks’ comfort zone, since banks now
have new competitors to worry about. But although it is heavily discussed that FinTech firms are a major
danger for banks, they are even bigger opportunity for banks as well. Whether FinTech will turn out to be
a threat or opportunity depends entirely on banks approach and desire for cooperation
Bulgaria
No full textBulgaria is a member of the European Pain Federation (EFIC). The national pain society works to support the needs of patients with pain, including those with acute pain, chronic pain, cancer pain, pain in later life, and at the end of life. In this chapter of European Pain Management we describe first the geography and history of the country as it relates to the recent demographics of the population, the prevalence of pain and needs for pain management, the pain workforce and its organization, the system pain specialists work within, and specific issues that have been tackled to improve the delivery of pain care. An example of recent innovation is also described.</p
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