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Remembering What Business Process Re-engineering Really Means
by Chris Skinner, chief executive of Balatro, a U.K.-based financial services consultancy.
Retail banking has been around for over 400 years, so it should work by now. It appears that this is not the case, particularly as we increasingly automate banking services. The services are fine as long as the process works, but when things go wrong, the cracks begin to show. The issue is that financial institutions have forgotten, or do not understand what business process re-engineering (BPR) means. More >
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Extracting Monetary Value from the Right Hand Side of the Balance Sheet: Introducing the Symmetrical Advance
You’ve been in this situation before. You’ve borrowed from the Seattle Bank at a fixed rate. During that time, interest rates have increased, and that’s great. Your cost of funding is below market. But, while it’s nice to be able to gloat and invest in assets that are higher in yield, there may be times when you would like to monetize that “in-the-money” position of your borrowing. Wouldn’t it be useful to have the option to prepay an advance and reap the monetary rewards of having a funding source that has increased in value? More > |
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