Connect with us

Finance

AI in Finance: can banks get smarter?

Published

on

Keyboard and Mouse are the new Bonnie and Clyde: How Can Banks Stop Today’s Cyber Criminals?

By Alexey Kutsenko is the head of digital marketing of DDI Development company. He is experienced in the development of the marketing strategy for companies in different industries. He knows how to do the right marketing and watches all current marketing and industry trends.

Alexey Kutsenko

Alexey Kutsenko

Even though ethical debates around AI are still pretty much alive, the empirical benefits of applying automation to banking processes outweigh the concerns. According to Accenture’s analysis of banks that have used AI to their workflow, an average bank can increase their profits up to 20-25%solely by adding AI. This statistics doesn’t even account for revenue for new product lines and customer retention.

Finance is undoubtedly the industry that experiences one of the gravest needs of automation. The processes become more complex, and employees can’t keep up. The regulations grow more elaborate, and it’s challenging to keep track of all new requirements. The demand for personalized interaction keeps growing, and banks’ teams don’t have the time and energy to satisfy these expectations.

Luckily, there is a solution.

The most efficient AI applications in finance

Artificial Intelligence can be applied to all fields of financial activities. AI can be used to increase the overall institution’s efficiency –  reforming account management, automating security, and supporting AI-based collaboration between team members and clients.

Also, AI increases the organization’s capacity for innovation. Automated software collects insights that serve as a base for creative solutions, simplifies product creation, and enables smart marketing campaigns.

Lowering costs is another objective of implementing AI. Outsourcing basic transactions to automated solutions, decreasing the use of human resources in consultant services and help desks, and taking care of regulatory compliance (RegTech).

Finally, Artificial Intelligence allows implementing of the expert business model. Machine learning insights collect insights for financial advising, client support (an automated solution can become a client’s manager), and retirement planning.

Primary industries and applications for Artificial Intelligence in the financial sector

Primary industries and applications for Artificial Intelligence in the financial sector

Let’s take a look at the leading areas of AI implementation and see how they are connected to the described objectives.

AI-driven smart user journeys

Using robotic process automation to increase the overall efficiency of an organization is a common practice by now. However, while it may increase the speed of the service, those efforts remain behind the curtain from the customer’s point of view. Automation can and should be used in areas that are visible to the end client.

An example of a smart user journey map

An example of a smart user journey map

  • With dynamic analytics, automated tools can collect in-depth data about their clients. This information will fuel personalized solutions and precisely targeted advertising campaigns.
  • With a voice-recognition-powered AI, banks can outsource simple voice consults to robo-advisors who sound just like humans.
  • If the bank’s support team is overloaded with work, it makes sense to send customers to the chatbot rather than making them wait. Reducing frustrating delays is a simple way to increase customer retention.

A case in point: banks and insurance companies can simplify the process of getting a mortgage. Affordability checks and short consults can be entirely performed by AI. While the human expert will still oversee the process, the simplest procedures can be quickly done by bots.

Preventing cybersecurity risks

AI and machine-learning algorithms are perfectly equipped to analyze systems and detect suspicious patterns. By training AI to analyze the transactions and website access history, bank management can identify shady behavior.

The companies which implement Artificial Intelligence in cybersecurity

The companies which implement Artificial Intelligence in cybersecurity

The main uses of AI in financial security are the following:

  • Detecting fraudulent actions that resemble bot activity or hacking threats.
  • Handling suspicious financial operations.
  • Identifying security vulnerabilities in online systems.
  • Exploring potential safety risks.

As the company scales, so grows the volume of data that needs to be analyzed. Massive amounts of work can’t be performed manually. AI, on the other hand, will handle a broad analysis with no problems.

A case in point: Danske Bank claims that after implementation of an AI-based fraud prevention software, their false positive were reduced up to 60% and the future estimates reached as much as 80%. The efficiency of fraud detention improved by 50%. All this was achieved at a reduced cost, compared to previous spendings. The workload which was before performed by human workers, now ended up fully outsourced to an automated platform.

Fraud detection for call centers

Call center fraud is on the rise. According to Pindrop, call center fraud rates jumped from one in every 2000 calls in 2015 to one in 937 in 2016. That means fraud rates increased by 113% over the previous year. Fraudsters contact a bank’s call center and exploit interactive voice response vulnerabilities and social engineering-related methods to obtain customer data. To reduce fraudulent calls, banks should focus on implementing AI-powered security solutions that detect and prevent fraud. In addition to that, it’s wiser to examine call center fraud separately.

Unfortunately, there is no such alert during the actual call center fraud

Unfortunately, there is no such alert during the actual call center fraud

How does this security threat work?

  • A fraudster pretends to be a customer and requests the essential login information. They change personal information, passwords, edit verified emails, and complete transactions.
  • The call center agent can’t tell the difference between the actual user and the deceiver. A person on the other side of the phone has just enough information to make the request seem legit.
  • The institution is forced to take responsibility for the fraud since they were technically the ones to give away the sensitive data.

AI speech analytics solves this problem quickly. The automated software analyzes the speech pattern of each client and creates a digital profile with recorded habits. This information goes to the searchable database, which gets pulled up whenever there is an incoming call.

AI speech recognition platforms include the following functionality:

  • storage of past fraudulent calls to keep track of typical patterns and help with further investigation;
  • keyword identification – by analyzing previous frauds, the software determines a red flag and watches out for them in all next calls;
  • real-time guidance with smart insights on handling the fraudulent request in real-time – it helps your team to manage such situations quickly and with ease.

Smart systems provide better advice

One of the most rapidly-evolving friends of finance is advisory. By assisting customers in managing their investments, spendings, and income, banks create a personal bond. Wall Street institutions and Silicon Valley companies have already been exploring this trend for a while and made tremendous progress.

The work of automated solution may entirely replace the employment of human assistants or enhance their work. Instead of wasting time on small tips, experts can focus on fundamental questions. This way, the banks reduced the amount of spent time while delivering the same result, or even a better one.

The examples of how AI is used for consulting in business organizations

The examples of how AI is used for consulting in business organizations

AI-based systems analyze the history of a client’s financial activity, detect positive and negative patterns, and compares it to overall economic trends (the stock dynamics, price fluctuation, investment trends). This information is turned into generic advice that, with the help of a human expert, can be personalized further. To add precision to the consult, such systems provide numeric reports and graphs.

A case in point: Morgan Stanley Wealth Management team has created a bot that updates the company’s uses on the latest market changes and provides their experts’ opinions on the topic. It’s an excellent way to promote your expertise and create a personal relationship with the client.

Final words: Embracing intelligence in finance

Artificial Intelligence is a highly-disruptive innovation that is relevant for any modern industry, but especially so in banking. With massive volumes of data processed every day, it becomes impossible for companies to take care of that manually.

Despite its high innovation potential, AI has a relatively low entry barrier. The technology is accessible, and there are a lot of talented developers who can bring this innovation to life, both in house and in outsourcing development.

Artificial Intelligence is already being implemented in multiple fintech startups

Artificial Intelligence is already being implemented in multiple fintech startups

However, implementing artificial intelligence cannot be treated as a cherry on the cake, as a slight addiction to the overall business process. To take the most out of AI’s enormous potential, you need to build solid relationships between your team and clients and use AI as an enabler of that.

Last but not least, AI is by no means a threat to human teams. In fact, the technology has a huge potential of enhancing typical manual work processing by taking the focus away from mundane tasks. Instead, you can use your team’s manager to do rewarding, meaningful jobs that are crucial for the organization. This way, your employees will feel more motivated, and the work will be done much faster.

Artificial Intelligence is a perfect addition to any innovation that you are implementing, be it blockchain, Internet of Things, or big data. When machine learning algorithms power these technologies, they work faster and more precise. So, if your company has been already on the track of implementing disruptive technologies, artificial technology is the next logical choice.

Finance

Tech-enabled cash management strategies have come to the fore during the Covid-19 pandemic – and will be key to firms’ recovery from it

Published

on

Tech-enabled cash management strategies have come to the fore during the Covid-19 pandemic – and will be key to firms’ recovery from it 1

By Ed Thurman, managing director and head of Global Transaction Banking at Lloyds Bank Commercial Banking, outlines how technology-enabled solutions are helping businesses strengthen their working capital position amid challenging trading conditions.

The past few months have brought significant headwinds for businesses, including supply chain disruption, government-mandated closures and tumbling customer demand.

UK companies are facing serious cashflow challenges as a result. According to the Office for National Statistics, half (49%) of firms currently trading are either unsure of how long their cash will last, or believe their reserves will last less than three months.

However, for many, the conditions created by Covid-19 have been a catalyst for change and innovation.

Cash management is one of the areas where technology has been deployed with most impact. Below are some examples of the areas where businesses have been using tech solutions to manage liquidity levels during the pandemic.

Payments

Cash withdrawals fell by as much as 50% at the height of the crisis as more people took extra precautions around contact. Even pin pad payment has become far less frequent over the past six months, too.

While a move to enable contactless payments has been the first obvious step for many consumer-facing businesses – especially in the retail, hospitality and leisure sectors – some will have a higher average transaction value than £45, so alternative solutions are required.

We’ve seen more businesses adopting payment methods that allow customers to pay online when purchasing in-store or at-venue. For example, restaurants and bars can use digital platforms to enable customers to settle their bills on leaving.

Payment methods can include payment by URL, WhatsApp, SMS or QR code, which take the customer to a webpage where they can securely make the payment through their smartphone, with their preferred payment method.

These methods are enabling firms to quickly and securely receive payments from their customers, ensuring they can continue to operate effectively, and preventing disruption to cashflow.

Forecasting

Forecasting customer demand is obviously extremely difficult given the uncertain environment businesses are currently trading in.

However, it remains a critical task – helping to determine whether there is sufficient liquidity to cover planned operations and investment during a given period, say, the next quarter.

Many businesses continue to use Excel as their primary tool for cashflow forecasts, but we are starting to see firms

Ed Thurman

Ed Thurman

move towards some of the more efficient digital tools available. For example, cloud-based software can provide a unified set of data that is accessible to all business functions. This can help to accurately forecast incomings and outgoings over different periods, making it easier to evaluate how much working capital firms have available.

Our own Cash Management & Payments Platform uses cloud-based computing to help firms manage their working capital position, with true omnichannel connectivity, market-leading data analytics and self-serve capabilities.

Supply chain

The events of the past few months have highlighted the significant impact supply chain disruption can have on efficiency. For manufacturers in particular, it can be tempting to stockpile to help trade through supply interruptions and minimise damage to output, but this can have significant working capital implications by tying up cash in inventory.

While the potential for local or global supply chain disruption looks set to remain for some time, technological development can help mitigate some of this risk. Digital tools that leverage artificial intelligence can be introduced to help reduce some of the friction, automating certain processes and crunching large amounts of data to assist with decision-making.

This digitisation of the supply chain is picking up pace, meaning that business can be more agile in reacting to fluctuating demand and supply. Devices that harness the Internet of Things are increasingly being used to track and authenticate shipments, while solutions underpinned by Distributed Ledger Technology (DLT) look set to speed up trade finance – shortening cashflow cycles and improving working capital efficiency in a volatile economic environment.

Here to help

It’s been said that, for many businesses, Covid-19 has been a crisis of working capital. The past few months have shone a light on the importance of digital technologies as part of effective cash management strategies.

At Lloyds Bank, we will continue to explore the potential of emerging technologies and have committed to investing £3 billion between 2018 and 2021 to transform not just our own business, but the products and services we offer customers.

Managing cashflow will be more important than ever in the coming months. We’re here to help businesses identify the digital tools that can help them strengthen their working capital position as they prepare to face the challenges ahead.

Continue Reading

Finance

Asset-based lending is often called ‘working capital finance’ for a reason…

Published

on

Asset-based lending is often called ‘working capital finance’ for a reason… 2

By Alex Beardsley, director at ABL Business.

At the start of lockdown, many businesses went into panic mode, wondering whether they had enough cash in the bank to meet their obligations in the unpredictable future. Thankfully, the raft of government support helped to ease much of the immediate cashflow woes, however, this exercise alerted many CFOs to the need for a more robust way of managing their working capital — both now and in the future.

Prior to the beginning of 2019, I wonder how many businesses had “potential global pandemic” as an immediate threat to be prepared for and managed in the latest iteration of their business plan.

With poor working capital management being the number-one reason cited as cause of business failure around the globe, managing risk via robust working capital facilities should be high on the agenda of any business hoping to ride the current economic storm.

Thankfully, UK Finance may have found the answer to the question: “How do businesses bolster their working capital facilities post-pandemic?”

UK Finance conducted a study throughout the lockdown period that reviewed  the facilities of 20,000 businesses (accounting for 5% of the UK GDP) in the UK using Asset Based Lending (ABL) and Invoice Finance (IF) as a way to manage their working capital. In the context of the lockdown period, much of the focus was on the availability of vital funds, with the government were under pressure to provide quick access to finance to keep the economy afloat.

The results of the study were surprising, stating: “At the end of March, IFABL clients were using 70 per cent of their available funds to support their cashflow, three months later this had dropped to just 45 per cent. In real terms, this indicated the ‘average’ IF/ABL client had headroom of over £250k within existing facilities.”1

This shows that government grants, the Job Retention Scheme, and Government Backed Loans (CBILs and BBLs) provided the working capital breathing space that businesses needed. But more importantly, it shows that the businesses that had working capital facilities in place prior to the pandemic had more headroom in their facilities and were less likely to be in desperate need for cash.

Alex Beardsley

Alex Beardsley

If this isn’t enough of an incentive for every CFO to review the current facilities — and consider the benefits of — Asset Based Lending (ABL), here are some other reasons why it should be considered as a working capital management tool:

  • With ABL, you get a higher availability of cash compared to traditional lending facilities
  • ABL provides revolving working capital on a constant basis, meaning the availability of working capital will increase inline with the growth of your business
  • Usually, ABL facilities carry a lower cost of capital from lenders due to the high amount of security they have over the business assets, and therefore can be a more cost-effective way of borrowing
  • The facility provides more than just an injection of cash at a specific point in time that is then to be repaid out of working capital, further hitting access to cash.

A better way of managing working capital lies in both knowledge of what is available in the market for businesses, and also the particular attitudes towards using finance within a business.

A study in 2014 by Lloyds Bank Commercial Banking highlighted that there was £770bn of untapped assets  nationally — which at the time equated to 48% of GDP. Could it be that working capital management is suffering because UK businesses are unaware of the options available to them when it comes to structured finance, or is it that they are reluctant to use finance at all?

Many businesses refer to the bank for support when it comes to providing working capital facilities — or any finance at all — but in the last few years the alternative finance market has proliferated. There are now a range of specific ABL providers that are more commercial and open to risk than the high street banks, meaning that there is now more choice available to businesses seeking support for working capital management facilities.

Following the pandemic there is going to be an increased amount of debt on the balance sheets of UK businesses and a reluctance from the banking and financial institutions to lend without significant security.

No one can deny that the risks to lenders have increased. Before Covid-19, the likelihood of a ‘pandemic’ was not on anyone’s radar — now it will be the first thing lenders and businesses think of going forward when it comes to making decisions.

Now more than ever, it is imperative that businesses and CFOs assess all of the options available to them when it comes to using finance within the busines to help with working capital management.

Having the right finance facilities in place before the business runs into working capital issues is a sure fire way to ensure that a business always has the cash on hand to meet their financial obligations — minimising the risk of insolvency by being able to meet current liabilities.

1 Source: https://www.ukfinance.org.uk/data-and-research/data/business-finance/invoice-finance-and-asset-based-lending

Continue Reading

Finance

Futureproofing Your Credit Management Now

Published

on

Futureproofing Your Credit Management Now 3

By Marieke Saeij, CEO, Onguard

The pandemic has forced a shift in day-to-day operations for the majority of businesses. In particular, finance teams have found themselves attempting to balance long-term growth with the need for resumption of payments from current customers.

Growth depends largely on answering the funding requirements of customers who need finance, while payments rely on customers emerging from payment freezes, often requiring ongoing help. The first half of the year saw digital transformation accelerate under the economic pressures of the pandemic as organisations sough to achieve rapid efficiency gains and underpin business continuity. With so many potential unknowns continuing to affect customers, finance teams must now focus on one critical area – future-proofing their credit management.

This is a critical initiative. Finance and specifically, credit management, concerns the entire organisation and in tough times, will be crucial to survival.

A three-pronged approach is required to ensure growth by transforming credit management for the future. It consists firstly of the implementation of a data-driven strategy, secondly on increasing automation and deployment of artificial intelligence (AI), and thirdly, on retaining the personal touch.

Future-proofing with your data

The advantages of being a data-driven organisation are increasingly appreciated. It is why more than three-quarters (68 per cent) of finance professionals in the Onguard 2020 FinTech Barometer, said their organisation is already undergoing digital transformation.

Credit management founded on data insights can help to reduce the days sales outstanding (DSO) and allow credit managers to create a better understanding of risk profiles. Identifying payment patterns from the data produces better risk analyses and the ability to anticipate trends. The finance team is more rapidly alerted to the first signs that a customer will not pay, for example. Staff can then step in to resolve the situation, approaching the customer to discuss invoice payment. Data analysis will also predict a prospective customer’s expected growth, chance of bankruptcy or payment behaviour. This is not a capability many organisations currently have without laborious use of manual methods.

Once they have these insights, finance departments can better advise management at the strategic level, elevating their role within organisations. But finance professionals’ insights may also help other colleagues. One such example is sharing risk information with account managers, which will allow them to better calculate whether or not to approach a customer for upselling or new business.

Yet despite all the discussion of digital transformation, most organisations still only use a portion of their available business data. This is as true in credit management as any other area. According to the Barometer, only seven per cent of executives think their own organisation is already data-driven. It means the focus in credit management, as in other departments, must be on exploiting an organisation’s existing data riches because this is the most efficient and cost-effective route to becoming data-driven.

Start with your own and move to third-party data when you need to

Businesses should start by using data from their own consumer base, such as their customers’ payment behaviour. This is not only more cost-effective, but risk profiles based on an organisation’s own customers can reveal more about future customers than data from other companies. The risk profile scores based on internal data will therefore have greater predictive value.

External data can be expensive, as pointed out last month (July) by McKinsey, but its use can strengthen an organisation’s own data resources, bringing a wider understanding of the market that makes for better decision-making. An organisation can combine internal and external sources as it evolves to best suits its needs.

The gains from this hybrid approach are tangible and come as enhanced sales, improved products, better finances and more targeted marketing, supplying a better service that boosts satisfaction levels and leads to improved relationships.

Automation and AI

No discussion of future-proofing can take place without consideration of robotic process automation (RPA) and artificial intelligence (AI). RPA automates the hugely repetitive manual tasks in credit management that involve collection and collation of masses of data and divert skilled employees from more valuable work.

AI, however, is the group of technologies with more far-reaching potential, making smart use of all available data. It links everything from CRM and ERP system data, to all the cogs in the order-to-cash process. This includes linking accounts receivables management with data about customer acceptance and e-invoicing. AI integrates these processes, transforming efficiency and delivering new insights through its analytical power. For finance departments it will also link with recognised parties that provide credit information, as well as payment service-providers and an automatic payment processing solution.

This, however, is only the starting point. AI’s predictive capabilities help minimise non-payment risk, support the forecasting of cashflow and advise on follow-up actions. This includes, for example, whether individual customers will respond better to phone calls, or when there is no alternative to commencement of collection proceedings.

Marieke Saeij

Marieke Saeij

Using individual insights based on consumer history, AI can even help identify the best time to contact specific customers. This will this dramatically improve operational efficiency and if customers are approached in the right way, at the right time, will enhance relationships and bolster retention.

The personal touch

Although the future of credit management will hinge on effective implementation of the right technology, the importance of personal relationships must not be neglected. A future in which all contact with customers is automated will soon become unprofitable in credit management, where personal relationships are all-important.

It must be recognised that no two customers are the same and each needs to be taken on their own terms. Although data provides insight into overall payment patterns, it does not reflect the totality of the relationship with the customer. A credit manager, for example, might know that a single call is all it takes to trigger payment from a certain customer. Yet as much as AI will achieve, it still lacks the emotional intelligence to pick up on these kinds of nuances and subtle differences in character that make a difference.

This matters because customers will soon switch providers when service-levels drop or if they start to feel they are just being treated as a number.

One of the ironies, however, is that if an organisation has the right credit management solution, it will understand more about the customer and have a firmer basis for effective person-to-person interaction. If you know more about a customer, saying the right things to obtain the outcome you want is easier. This means finance professionals need to adopt a hybrid approach that combines the best data-driven tools with a heavy degree of personal involvement. This is the most reliable way of ensuring optimal performance, profitability and customer satisfaction.

Conclusion

There is nothing more fundamental to business than getting paid, but times are changing and data-driven credit management is undoubtedly the future. There can hardly be any argument about it. Basing decisions on data insights generates far better outcomes, delivers a substantial edge on competitors and injects agility into a team.

If another global wave of virus-outbreaks or other sudden disruptions strike the world economy, organisations need to be as agile as possible, ready to meet the challenges with credit management that is already future-proof. That requires becoming data-driven and the adoption of proven automation and AI. Yet reliance on technology alone will not guarantee success. Organisations must continue to recognise the importance of human interaction with customers, who may want to see a face or hear a voice when times are tough.

Alongside the implementation of solutions that deliver results quickly and cost-effectively, organisations need a hybrid approach, that uses the best of the conventional world and adapts it to the data-driven future.

Continue Reading
Editorial & Advertiser disclosureOur website provides you with information, news, press releases, Opinion and advertorials on various financial products and services. This is not to be considered as financial advice and should be considered only for information purposes. We cannot guarantee the accuracy or applicability of any information provided with respect to your individual or personal circumstances. Please seek Professional advice from a qualified professional before making any financial decisions. We link to various third party websites, affiliate sales networks, and may link to our advertising partners websites. Though we are tied up with various advertising and affiliate networks, this does not affect our analysis or opinion. When you view or click on certain links available on our articles, our partners may compensate us for displaying the content to you, or make a purchase or fill a form. This will not incur any additional charges to you. To make things simpler for you to identity or distinguish sponsored articles or links, you may consider all articles or links hosted on our site as a partner endorsed link.

Call For Entries

Global Banking and Finance Review Awards Nominations 2020
2020 Global Banking & Finance Awards now open. Click Here

Latest Articles

The UK’s National Data Strategy – Too Much Love? 4 The UK’s National Data Strategy – Too Much Love? 5
Top Stories7 hours ago

The UK’s National Data Strategy – Too Much Love?

By Julian Hayes, Partner at BCL Solicitors LLP “We want the UK….to be the best place in the world to...

B2B plays a big role in our economy, but how can it contribute to our recovery? 6 B2B plays a big role in our economy, but how can it contribute to our recovery? 7
Business7 hours ago

B2B plays a big role in our economy, but how can it contribute to our recovery?

By Richard Parsons from True, creative B2B marketing agency, discusses the current state of marketing and looks ahead to what...

UK leads the way in sustainable finance with the first set of requirements for investment management 8 UK leads the way in sustainable finance with the first set of requirements for investment management 9
Investing8 hours ago

UK leads the way in sustainable finance with the first set of requirements for investment management

BSI, in its role as the UK National Standards Body, has today published the first specification for responsible and sustainable...

Why investing should be treated like healthcare 10 Why investing should be treated like healthcare 11
Investing12 hours ago

Why investing should be treated like healthcare

By Qiaojia Li, co-founder and CEO at the award winning wealthtech company, Rosecut For many people, the process of investing...

Endpoint Security Industry: An Overview 12 Endpoint Security Industry: An Overview 13
Technology13 hours ago

Endpoint Security Industry: An Overview

Endpoint protection is the practice of stopping unauthorised actors and campaigns from targeting endpoints or access points of end-user computers...

Tech-enabled cash management strategies have come to the fore during the Covid-19 pandemic – and will be key to firms’ recovery from it 14 Tech-enabled cash management strategies have come to the fore during the Covid-19 pandemic – and will be key to firms’ recovery from it 15
Finance13 hours ago

Tech-enabled cash management strategies have come to the fore during the Covid-19 pandemic – and will be key to firms’ recovery from it

By Ed Thurman, managing director and head of Global Transaction Banking at Lloyds Bank Commercial Banking, outlines how technology-enabled solutions are...

5 ways to keep your team connected with split working 16 5 ways to keep your team connected with split working 17
Business14 hours ago

5 ways to keep your team connected with split working

By Sam Hill, Head of People and Culture at BizSpace  As the government switches its message back to “work from...

How to overcome the ‘groundhog day’ effect Of remote working 18 How to overcome the ‘groundhog day’ effect Of remote working 19
Top Stories14 hours ago

How to overcome the ‘groundhog day’ effect Of remote working

By Chris Farmer, leadership and management training expert and founder of Corporate Coach Group The ongoing pandemic means that for...

FinTech in Credit Markets: Efficiency and Potential Risks - Free webinar 20 FinTech in Credit Markets: Efficiency and Potential Risks - Free webinar 21
Uncategorized1 day ago

FinTech in Credit Markets: Efficiency and Potential Risks – Free webinar

As the financial industry’s landscape continually changes, the ever-quickening development in information technology has led to an unprecedented wave of...

The new virtual leaders – adapting your leadership style for a changed workforce 22 The new virtual leaders – adapting your leadership style for a changed workforce 23
Business1 day ago

The new virtual leaders – adapting your leadership style for a changed workforce

By Debbie Clifford, Head of People and Talent at Olive During this pandemic, organisations across all sectors have witnessed a dramatic...

Newsletters with Secrets & Analysis. Subscribe Now