Banking

Learn more about how banks are driving open API adoption to propel digital transformation and unlock innovative services.

This course will provide you with a high-level overview of Core Banking and its key characteristics. This includes recognizing the key drivers and challenges and organization faces when going through a Core Banking system replacement.

This tutorial describes the evolution of the various remote channels and how they have affected branch banking dynamics. It outlines best practice in managing each individual channel and, critically, what principles must be observed to offer an integrated channel offering that takes an overall customer view rather than a narrow channel-oriented focus.

On completion of this tutorial, you will be able to outline the evolution of the role of the bank branch in relation to the overall delivery mix and changing customer behavior patterns- describe the importance of branch technologies such as advanced ATMs, radio frequency identification device (RFID) technology, digital signage, video banking, touchscreens, teller cash recycler (TCR) machines, and employee apps- understand the rationale behind trends in branch planning and design.

On completion of this tutorial, you will be able to Define consumer banking and identify the main distribution channels Recognize the products and services offered by consumer banks, including liability-side products, asset-side products

On completion of this tutorial, you will be able to describe the profitability dynamics of the credit card issuing business, including concepts such as rollover rate, net interest, billed volume, and interchange - detail the responsibilities of operations in the credit card issuing business across an array of roles including customer applications tagging, sales measurement effectiveness, card dispatch, fraud prevention and monitoring, and collections and recoveries - outline the problem of both first-party and third-party fraud for credit card issuers and some of the fraud prevention techniques used to combat these issues.

This tutorial provides an overview of the consumer/retail banking business, from its roots in the commercial banks of old that offered personal banking services to business owners to the growth of a mass-market industry and subsequent consumer banking product and channel development in the context of technologies such as the Internet and the smartphone

This tutorial shows how superior customer service has its foundations in bank operations and how consumer banks must rise to the challenge of complexity posed by multiple products capable of being accessed from multiple channels. For those banks that succeed in delivering superior customer service, the rewards are significant in terms of cross-selling opportunities, less price sensitivity on the part of customers, and the recruitment of active advocates for the bank. But levels of customer service and customer satisfaction must constantly be measured.

On completion of this tutorial, you will be able to: - describe how the consumer banking environment has been subject to major structural and social forces that have transformed the sourcing and development of customer relationships - recognize that customer decision-making in relation to financial products and services is often based on heuristics rather than a rational approach - outline how segmentation is critical in matching financial products with the correct audience - explain the complexities associated with pricing in a consumer banking environment

On completion of this tutorial, you will be able to describe the basic characteristics of typical consumer/retail banking products including:- checking/current accounts - deposit/savings accounts- credit products such as overdrafts, consumer loans, mortgages, and revolving lines of credit - payment cards and other payment instruments - other services such as currency exchange, third-party products, product bundles, and Islamic finance and banking.

On completion of this tutorial, you will be able to: - outline the fundamental principles of selling in a consumer banking environment - recognize the importance of analyzing the sales process in terms of the customer perspective rather than the organizational sales imperative - compare bank distribution strategies in the context of selling - describe the critical importance of product suitability when selling in a consumer banking environment.

This course will provide you with an in-depth understanding of core concepts related to mortgage origination. This includes an overview of current market trends, operating model, technology and vendor solutions, and case studies of typical implementations.

This course will provide you with an in-depth understanding of core concepts related to residential mortgage servicing. This includes an overview of current market trends, servicing operating model, technology and vendor solutions

This course will provide you with a working knowledge of the card lending industry. This includes an overview of the history of the card lending industry, the card lending ecosystem and lifecycle (with a focus on issuers, networks and acquirers), the card transaction anatomy, and the issuers and systems' key functions. Additionally, you will also be able to identify emerging trends

This course will provide an overview of deposits: how they work, the risks and benefits of holding deposits, how banks service deposits.

This course will provide you with an overview of the major players and functions in auto finance through introductions to auto loan originations, servicing, and collections.

This training provides an overview of key market forces in the consumer banking and payments space and its impact on our clients and their areas of focus. In addition, the training will also provide a detailed understanding of EY's offerings in the Transforming the Consumer Bank and Payments space and provide insight on how our delivery model addresses all transformational areas of the consumer banking and payments lifecycle.

The Consumer Banking quarterly report analyzes the performance of the consumer banking divisions of 17 leading banks headquartered in the US and Europe. Consumer Banking is a local and regional business, this analysis helps identify some global trends about how the sub-sector is performing

On completion of this tutorial, you will be able to describe the main payments media, including cash, cards (debit/credit/prepaid), and the different types of e-money - explain the "four-party plus network" model that facilitates the vast majority of global electronic payment transactions and how enabling legislation and the advent of online/mobile payments has given rise to new models and value chains - outline the impact of regulatory developments on the payments industry

This training provides Staff to PPED levels with an overview of Core Transformation service offering and a view into the current issues facing the banking industry and how the Digital Bank of the Future can take down banking silos. It will provide insight on the industry trends, technology landscape, conversational banking, cross-accounts mobile-integration, and pipeline/recent wins.

This foundational half-yearly deck provides a starting point for teams to initiate client discussions on core issues impacting the global consumer banking sector

The sector deep dive modules are designed to increase the digital fluency of our people, enabling them to better embrace our digital capabilities to serve our clients. Each module focuses on a sector to provide our people with a deeper understanding of how technology is changing the competitive landscape and the impact it may have on clients.

This tutorial describes the differences between individuals and corporates and the impact of this on customer needs, a bank’s product offerings, and a bank’s operating model for servicing corporates. Details are provided on customer types and segmentation and how this affects a bank’s organizational structure. The tutorial also addresses business strategy, the key drivers of customer profitability, and the role of risk appetite.

This tutorial provides an overview of the various dimensions and complexities of the corporate banking marketplace. Coverage includes the different types of market player and how they meet corporate banking needs at national, regional, and global levels. This is followed by a review of the causes and consequences of the financial crisis, and how this has affected banks and the services that they are able to offer corporates.

This tutorial describes accounts receivable, how they are generated, and the business needs they give rise to. It also provides detailed coverage of the various accounts receivable finance products and how their different combinations of features meet different business needs. The tutorial concludes by outlining the main product risks associated with accounts receivable financing and how these risks can be managed.

This tutorial focuses on advisory and other services offered to corporate banking customers. This includes debt and equity fund raising, M&A and restructuring activities, and a range of other services such as asset management, brokerage, and research. The tutorial describes how customer needs change as businesses grow and the products and services available to meet these larger and more complex needs. The tutorial also covers the risks that commonly arise when providing these products and services and the means by which these risks can be managed and mitigated.

This tutorial provides an overview of the various products that banks, and some nonbanks, provide to corporate banking customers. Coverage includes an explanation of the factors that differentiate the various products in terms of how they meet customers' banking needs, how they generate revenue, and how they create risk. Based on these characteristics, products fit into a number of different product categories, such as short- and longer-term finance, details of which are explained.

This tutorial focuses on advisory and other services offered to corporate banking customers. This includes debt and equity fund raising, M&A and restructuring activities, and a range of other services such as asset management, brokerage, and research. The tutorial describes how customer needs change as businesses grow and the products and services available to meet these larger and more complex needs. The tutorial also covers the risks that commonly arise when providing these products and services and the means by which these risks can be managed and mitigated.

This tutorial focuses on cash management products and services, outlining their importance for customers and banks, and the costs and benefits of using these products and services. The various products that facilitate the paying in or receipt of funds are described in detail, as are the different types of account that businesses hold. There is also detailed coverage of sweeping and pooling arrangements and how these can be used to manage liquidity and optimize interest costs/earnings. The tutorial concludes by examining cash management product risks such as money laundering, know your customer, fraud, and operational risk.

This tutorial focuses on payments products, which often form part of a cash management product suite that banks offer to their corporate customers. The tutorial explains the payments process, the key features of that process, and the issues that can arise during pre-payment processing and post-authorization. This is followed by detailed coverage of the main payments products such as debit and credit transfers, standing orders, bulk payments, cross-border payments, checks, and card payments. The product risks that can arise when using electronic payments and checks – and the ways to mitigate these risks – are discussed, and we conclude by looking at the business risk associated with the emergence of nonbank competitors and new products.

This tutorial focuses on risk management products that can be used to mitigate price risks relating to foreign exchange, interest rate, and commodity exposures. An explanation is provided of the causes and consequences of these risks and the ways in which they can be addressed by businesses themselves and through the use of risk management products. This is followed by detailed coverage of the main types of risk management products such as forwards, futures, swaps, and options. Finally, the tutorial examines the risks that can arise with these products and how these risks can be managed.

This tutorial focuses on short-term finance. It explains the cash conversion cycle and how this, and timing mismatches between cash inflows and outflows, give rise to the need for short-term funding. The tutorial describes, in detail, funded short-term credit products, such as overdrafts and short-term loans. It outlines the key features of these products and how they are aligned with the needs of a corporate business. The risks arising from providing these different products are also described, as well as how these risks are managed by assessing appropriateness, right-sizing, and monitoring usage.

This tutorial focuses on syndicated lending, which refers to any loan provided jointly by more than one lender. An explanation is provided of syndication structures, the parties involved, the types of syndication, fees, and the reasons why banks and borrowers use syndications. This is followed by coverage of the end-to-end process involved in forming and managing a syndicated loan, while the final section examines some of the key risks involved.

This tutorial focuses on term finance, which refers to any form of loan where a repayment period in excess of one year is warranted. The features of the various term finance products are described in detail, as well as their provision by multiple lenders through club deals and syndicated loans. Finally, the tutorial looks at term finance product risks and outlines how these risks can be mitigated, monitored, and managed.

This tutorial focuses on trade finance products and services. It describes trade transactions and the business needs they give rise to, along with various services and funded/unfunded products that are available to meet these needs. This is followed by an explanation of issues and risks that can occur with these products and the ways that these risks can be managed. Note that, while the tutorial concentrates on cross-border (international) trade, some of the products and services, such as bonds/guarantees, are also used domestically.

This tutorial provides an overview of corporate banking relationship management. It describes the role and responsibilities of relationship managers (RMs) when dealing with both new and existing customers, and how this is applied across customer groups. The tutorial also covers portfolio performance measures and how reward structures influence RM behavior.

This tutorial describes in detail the end-to-end process from initial engagement with a corporate customer until credit facilities are put in place and drawn down. It also covers the means by which relationship managers monitor customer and account performance on an ongoing basis. Finally, the tutorial takes a look at the topic of portfolio management and explains, using a sample portfolio, how a relationship manager can assess and take actions to improve portfolio performance.

This quarterly report identifies and shares the most recent applications of disruptive technologies in the Corporate and Commercial Banking (CCB) subsector across Trade finance (Trade services & supply chain financing), Cash management and Commercial lending. The innovations are analyzed by innovation type, purpose, technology, strategy and line of business.

Transaction banking refers to a range of banking services for corporate and institutional clients, including payment processing, cash management, trade finance, and securities services such as custody. In the post-financial crisis world, transaction banking has been reevaluated as a business line within banks due to its stable returns and low capital requirements.

The growth in global trade, especially in Asia, has also increased the demand from corporates for global transaction banking services. This tutorial examines the background behind the growth in transaction banking as a distinct business line, the different services provided by transaction banks, and the impact of technology and regulations such as Basel III on the world of transaction banking universe

Banks manage the timing of money for their corporate banking customers by providing essential cash management services. This may simply be for paying suppliers or may involve transferring huge sums across the globe in order to fund a major investment. In addition, customers who do not need the money now require services allowing them to generate a return from their surplus funds. The approach to achieving such a return will vary according to the size and nature of different customers and their timeframes.

This tutorial looks initially at the bank client perspective on cash management and the typical tasks that go into the role of those tasked with cash management responsibilities – corporate treasurers. The tutorial shows how transaction banks act as support for the entire cash management cycle, from cash collection, to cash sweeping, concentration, and investment.

Payments systems are crucial to the smooth running of the global economy. This tutorial describes the role that both low value and large/high value payments systems play in the global economy. There is a particular focus on large value payments, which are the mainstay of transaction banks. Key regulatory developments in the area of payments processing as well as the role of payments messaging and mobile banking/payments are also examined. In addition, the tutorial explores the practical aspects of payments processing, including electronic funds transfer (EFT), bulk payments, check processing, payment cards, and merchant services.

The roots of Europe’s single market for payments lie in the Lisbon Strategy or Lisbon Agenda of 2000, a political initiative that aimed to turn the EU into the most competitive knowledge-based society by 2010. Cheap and efficient payments was seen as a major catalyst for this and the Payments Services Directive (PSD), introduced in 2007, aimed to realize this objective by opening up the business of payments to a host of non-traditional providers. The PSD also provided the legal framework for the Single Euro Payments Area that aims to standardize Europe’s payments infrastructure. This tutorial examines the rules and standards out by the PSD and SEPA, and looks at the consequences of these initiatives for transaction banking in Europe and beyond.

Banks earn income on the assets shown on their balance sheets. These assets include cash, loans to customers/clients, trading positions, and other investments – all of which must be funded by the bank on the liabilities and equity side of the balance sheet. This tutorial explores the various funding methods used by banks as well as the risks involved. These risks were exposed by the global financial crisis, with the result that regulators imposed strict requirements concerning bank funding and introduced a number of liquidity ratios in this regard. These are also described in this tutorial. In addition, the tutorial focuses on how various money market positions are created and covered, together with an explanation of the management of interest rate gap exposures on mismatched future cash flows.

The course starts off by introducing you to the four main areas of investment banking – Capital Markets, Advisory, Trading and Brokerage, and Asset Management. Then we continue by digging deeper into each line of business. You will learn the subtleties of Initial Public Offerings, Seasoned Equity Offerings, Private Placements, Bond Issuances, Loan Syndications, Securitizations, Mergers & Acquisitions, Restructurings, Trading Instruments, Asset Management Vehicles and more.

In this tutorial, we look at the emerging niche market of sharia-compliant wealth management. Although dwarfed by its conventional counterpart, and facing significant challenges, this industry is making significant inroads, especially in the GCC states.

This tutorial introduces and defines the concepts of private banking and wealth management. It identifies the general activities of private banking and wealth management businesses, the different types of business and their value proposition, and the various fee structures and revenue models. The tutorial also outlines the evolved history and current trends in the industry.

This tutorial looks at the key services provided by private banks and wealth management firms in the areas of deposit taking and transaction banking. It also explores the range of banking and other wealth services to high net worth clients who are (or intend to) live and work abroad or have substantial business dealings overseas.

This tutorial looks at the importance of trust between the wealth manager and the client and the benefits of trust for both parties. The skills and phases involved in becoming a trusted advisor are also examined in detail.

Behavioural finance is a field of finance that proposes psychology-based theories to explain irrational investor decisions. Such decisions result from cognitive and emotional biases that can cause financial market values to drift substantially away from fundamental values. An understanding of behavioural finance is crucial for private wealth managers in order to identify and eliminate wealth-destroying behavioural biases in both themselves and their clients.

This scenario explores how various private wealth management concepts are used in practice. You will observe a situation where a private banker manages a relationship with a client, with support from other personnel. The client is interviewed by the private banker as part of a regular portfolio review and you will follow the line of discussion around needs analysis, risk and reward, due diligence, and the concerns of the client.