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pdf 2014 State of the Industry: Mobile Financial Services for the Unbanked / Estado de la Industria en el 2014: Servicios Financieros Móviles para los no Bancarizados Popular

Document that identifies key trends in emerging markets and regarding the mobile financial services industry.

Those trends can be summarized in the following facts: 1. Financial services are increasingly available through mobile applications and this trend will continue to increase as smartphone penetration rises. 2. While competition is heating up in markets where mobile money is available, a growing number of mobile network operators are showing interest in the development of interoperable solutions. 3. Regulators are increasingly recognizing the major role that non-bank providers of mobile money services can play in fostering financial inclusion and, as such; 4. Are proposing ad-hoc regulatory frameworks for the provision of mobile money services thus allowing banks and non-bank-banks to provide mobile money services in a sustainable way.

pdf 85th Annual Report, Bank for International Settlements / Reporte Anual No. 85 del Banco de Pagos Internacionales Popular

This is the latest Annual Report from the Bank for International Settlements that analyzes a variety of topics, just to name a few, the effects of interest rates that have been extraordinarily low for an exceptionally long time, in both nominal and inflation-adjusted terms and against any benchmark. Thus, the international monetary and financial system has spread easy monetary and financial conditions in the core economies to other ones, which could have built up other financial vulnerabilities. Specifically, the document raises the need to address these deficiencies through a rebalancing in national and international industry frameworks: away from illusory short-term macroeconomic fine-tuning and towards medium-term strategies and also away from overwhelming attention to a rebalancing that will be to rely less on demand management policies and more on structural ones.

pdf A Framework for Dealing with Domestic Systemically Important Banks Popular

The Basel Committee on Banking Supervision (the Committee) issued the rules text on the assessment methodology for global systemically important banks (G-SIBs) and their additional loss absorbency requirements in November 2011. The G-SIB rules text was endorsed by the G20 Leaders at their November 2011 meeting. The G20 Leaders also asked the Committee and the Financial Stability Board to work on modalities to extend expeditiously the G-SIFI framework to domestic systemically important banks (D-SIBs).

default A Shifting U.S. Policy Mix: Global Rewards and Risks Popular

After a year marked by financial turbulence, political surprises, and unsteady growth in many parts of the world, the Fed’s decision this month to raise interest rates for just the second time in a decade is a healthy symptom that the recovery of the world’s largest economy is on track.

The Fed’s action was hardly a surprise: markets had for weeks placed a high probability on last week’s move. But market developments preceding the Fed decision did surprise many market watchers.

pdf A Sound Capital Planning Process: Fundamental Elements Popular

An important lesson from the financial crisis concerned the need for banking organisations (“banks”) to strengthen their capital planning processes. Some of the observed weaknesses reflected banks’ processes that were not sufficiently comprehensive, appropriately forward-looking or adequately formalised. As a result, some management teams underestimated the risks inherent in their banks’ business strategies and, in turn, misjudged capital needs.