An industry-specific guide to the applications of Advanced Analytics and AI to the banking industry Artificial Intelligence (AI) technologies help organisations to get smarter and more effective over time – ultimately responding to, learning from and interacting with human voices. It is predicted that by 2025, half of all businesses will be using these intelligent, self-learning systems. Across its entire breadth and depth, the banking industry is at the forefront of investigating Advanced Analytics and AI technology for use in a broad range of applications, such as customer analytics and providing wealth advice for clients. AI and the Future of Banking provides new and established banking industry professionals with the essential information on the implications of data and analytics on their roles, responsibilities and personal career development. Unlike existing books on the subject which tend to be overly technical and complex, this accessible, reader-friendly guide is designed to be easily understood by any banking professional with limited or no IT background. Chapters focus on practical guidance on the use of analytics to improve operational effectiveness, customer retention and finance and risk management. Theory and published case studies are clearly explained, whilst considerations such as operating costs, regulation and market saturation are discussed in real-world context. Written by a recognised expert in AI and Advanced Analytics, this book: Explores the numerous applications for Advanced Analytics and AI in various areas of banking and finance Offers advice on the most effective ways to integrate AI into existing bank ecosystems Suggests alternative and complementary visions for the future of banking, addressing issues like branch transformation, new models of universal banking and ‘debranding’ Explains the concept of ‘Open Banking,’ which securely shares information without needing to reveal passwords Addresses the development of leadership relative to AI adoption in the banking industry AI and the Future of Banking is an informative and up-to-date resource for bank executives and managers, new entrants to the banking industry, financial technology and financial services practitioners and students in postgraduate finance and banking courses.
This classic collection of nonfiction essays about life in New Mexico by the great Tony Hillerman remains a must read for anyone looking to understand the state’s unique charm. The vivid pieces in The Great Taos Bank Robbery paint an indelible portrait of life—with all its magnificent quirks and foibles—in the Land of Enchantment. Celebrating fifty years since its original 1973 release, this anniversary edition offers a new introduction by noted Hillerman biographer James McGrath Morris and a foreword by Anne Hillerman, introducing a new generation of readers to the magic of Tony Hillerman and New Mexico.
The long-awaited, definitive story of one of the worlds most creative and commercial rock groups, this beautiful, full-color book coincides with the bands Fall 2007 reunion tour. All former band members have collaborated in presenting their story that spans 30 years and 30 albums.
Virginia Beach and the Outer Banks share an incredibly rich surfing history. Virginia Beach is home to major surfing institutions so iconic and long lasting they are simply referred to as "ECSC," "WRV" and "17th Street." Of course, the Outer Banks has the consistent waves. The barrels. The lighthouse. Its beaches have been the setting for iconic moments in the history of the Eastern Surfing Association. Local surfing historian Tony Lillis chronicles the rich history of surfing along Virginia Beach and the Outer Banks from the early twentieth century, when world travelers brought home tales of Hawaiian surfing, through the heyday of the 1960s and into the twenty-first century.
Radical insider’s account of how the city of London really works The City, as London’s financial centre is known, is the world’s biggest international banking and foreign exchange market, shaping the development of global capital. It is also, as this groundbreaking book reveals, a crucial part of the mechanism of power in the world economy. Based on the author’s twenty years’ experience of City dealing rooms, The City is an in-depth look at world markets and revenues that exposes how this mechanism works. All big international companies—not just the banks—utilise this system, and The City shows how the operations of the City of London are critical both for British capitalism and for world finance. Tony Norfield details, with shocking and insightful research, the role of the US dollar in global trading, the network of Britishlinked tax havens, the flows of finance around the world and the system of power built upon financial securities. Why do just fifty companies now have control of a large share of world economic production? The City explains how this situation came about, examining the history of the world economy from the postwar period to the present day. If you imagine you don’t like “finance” but have no problem with the capitalist market system, think again: it turns out the two cannot be separated.
For the very first time in mass market paperback, here is a unique compilation about life in New Mexico by one of the nation's finest writers. Tony Hillerman, who knows the Southwest like no other contemporary writer; presents nine extraordinary, true tales that capture the history and rhythms of daily life in New Mexico. From the comical title story of the holdup that didn't happen, to the riveting account of scientist tracking the Black Death through the arroyos in "We All Fall Down," to the ironic account of how a Black cowboy's commonsense intelligence destroyed the dogma of the Smithsonian Institution in "Othello in Union County," master storytellerTony Hillerman reveals the present and the timeless past of one of America's most beautiful and haunting regions. Tony Hillerman is professor emeritus of journalism at the University of New Mexico and an Edgar Award-winning mystery novelist. He lives in Albuquerque, New Mexico. "Hillerman is surely one of the finest and most original craftsman at work...today." --Boston Globe Book Review
Yes , You can learn how to open a US Bank account as a non-US resident... This book is a right place for those non-US residents who are searching for a way to start their own online business, especially to get able to accept credit cards on their sites, open accounts in US banks with Internet access and US VISA Debit Card. Here you will find all the information on this issue. I Have Spent Six Months Researching On The Internet To Find Out Which US Bank Is Willing To Open An Account For Foreigners. The Good News Is That You Don't Need To Spend Another Six Months Because I Have Already Found The Bank For You
Credit Risk Management: Basic Concepts is the first book of a series of three with the objective of providing an overview of all aspects, steps, and issues that should be considered when undertaking credit risk management, including the Basel II Capital Accord, which all major banks must comply with in 2008. The introduction of the recently suggested Basel II Capital Accord has raised many issues and concerns about how to appropriately manage credit risk. Managing credit risk is one of the next big challenges facing financial institutions. The importance and relevance of efficiently managing credit risk is evident from the huge investments that many financial institutions are making in this area, the booming credit industry in emerging economies (e.g. Brazil, China, India, ...), the many events (courses, seminars, workshops, ...) that are being organised on this topic, and the emergence of new academic journals and magazines in the field (e.g. Journal of Credit Risk, Journal of Risk Model Validation, Journal of Risk Management in Financial Institutions, ...). Basic Concepts provides the introduction to the concepts, techniques, and practical examples to guide both young and experienced practitioners and academics in the fascinating, but complex world of risk modelling. Financial risk management, an area of increasing importance with the recent Basel II developments, is discussed in terms of practical business impact and the increasing profitability competition, laying the foundation for books II and III.
The book of Hip hop Proverbs. Since the beginning of time, every culture known to man has lived by its proverbs. From the African to the Chinese, proverbs have been the driving force to man's daily routine. In the bible, the book of Proverbs gives us a guide on how to live a righteous life. The Hip hop culture is no different. From the beginning, the rapper (better known as the MC) would tell a story that would keep his or her audience holding on to every word. In the hip hop culture, rappers have made some of the most profound statements in modern history. We are going to explore some of the deepest thoughts of rappers and Hip-hop artist of our time. We are going to explore the minds of the earliest rappers to the latest commercial MC's. From the early recordings of the Last Poets to Public Enemy, from Grandmaster Flash & the Furious 5 to Run-DMC, from Kurtis Blow to Kanye West, from LL Cool J to J Cole.Hip Hop has always been more than just words. In fact, there are many hidden gems in the verses of your favorite rappers' lyrics. from Kendrick Lamar to Cardi B, this book has made it abundantly clear that there is much thought put into each verse. Geared towards multigenerational families, this book contains 11 chapters of motivational, empowering and life-changing case studies. Topics includes: Business, Love & Relationships, Life Lessons and more. This is not a glorification of violence, misogyny or hatred. Use this book to unlock the treasure to live a better and happy family life.One thing is for sure, Hip-Hop & rap music has withstood the test of time. The Hip-Hop culture has survived for more than four decades and seven US presidents and is still going strong. Hip-Hop is the new Pop. In the words of the legendary Grand Master Caz, "Hip-Hop didn't invent anything, Hip-Hop reinvented everything.
In January 2005 Tony Ashenden sat down after lunch and ... disappeared. When he reappeared 20 minutes later his entire world had changed. During the next nine months a series of extraordinary experiences led him to question his sanity and the very meaning of life. Tales of Bellerophon -On the Banks of the Shalimar is the tale of one man's soul journey, a perilous adventure into unknown worlds beyond our form and time; in which he struggles both to understand these experiences and to reconcile his own identity with the different person he becomes. How events of childhood and youth are revealed for their true meaning and life's purpose expands beyond comprehension. Are we one or many? How did Man evolve? These and other fundamental questions are answered in this life changing account. This book is a revelation of human nature beyond the grave, of a continuity that sobers the most expectant and will shock those secure in their belief that death is the end.
Since the 1990s, several emerging market and developing economies (EMDEs) have, to varying degrees, embraced the process of financial globalisation, broadly defined as a set of policies that involve allowing for greater openness to cross-border capital flows as well as greater market access to foreign financial institutions. This book provides a systematic empirical analysis on the complex interactions between financial sector development, macroeconomic and financial stability in EMDEs in general and those in the Asian region in particular. The book consists of three sections pertaining to monetary and exchange rate policies under financial globalisation; financial inclusion and macroeconomic policies in the context of financial liberalisation; and finally, the dynamics of foreign direct investment flows and their real impacts in EMDEs. Each of the chapters analyse important economic policy issues of contemporary relevance and is informed by data and rigorous empirical analysis. The book will be appealing to anyone interested in exploring the implications of a key set of issues emanating from financial globalisation on EMDEs in a rigorous but readable manner.
Derived from Kluwer’s multi-volume Corporate Acquisitions and Mergers, the largest and most detailed database of M&A know-how available anywhere in the world, this work by the managing partner of the leading international law firm Freshfields Bruckhaus Deringer – Hanoi and Ho Chi Minh City offices, provides a concise, practical analysis of current law and practice relating to mergers and acquisitions of public and private companies in Vietnam. The book offers a clear explanation of each step in the acquisition process from the perspectives of both the purchaser and the seller. Key areas covered include: structuring the transaction; due diligence; contractual protection; consideration; and the impact of applicable company, competition, tax, intellectual property, environmental and data protection law on the acquisition process. Corporate Acquisitions and Mergers is an invaluable guide for both legal practitioners and business executives seeking a comprehensive yet practical analysis of mergers and acquisitions in Vietnam. Equivalent analyses of M&A law and practice in some 50 other jurisdictions, all contributed by leading law firms, are accessible on-line at www.kluwerlawonline.com. under Corporate Acquisitions and Mergers.
Now in its third edition, Economics: The Basics continues to provide an engaging and topical introduction to the key issues in contemporary economics. Fully updated to take into account the global recession, ongoing problems in Eurozone economies, changing patterns in world trade, housing and currency markets, it covers fundamental issues, including: • How different economic systems function • The boom and bust cycle of market economies • The impact of emerging markets • How price, supply and demand interact • The role of the banking and finance industry • Whether we can emerge from recession and reduce poverty • The impact of economics on the environment With a glossary of terms, suggestions for further reading and new case studies covering subjects such as the choices facing developing economies, the impact of growth on the price of natural resources and the aftermath of the financial crash; this comprehensive and accessible guide is essential reading for anyone who wants to understand how economics works.
Credit Risk Management: Basic Concepts is the first book of a series of three with the objective of providing an overview of all aspects, steps, and issues that should be considered when undertaking credit risk management, including the Basel II Capital Accord, which all major banks must comply with in 2008. The introduction of the recently suggested Basel II Capital Accord has raised many issues and concerns about how to appropriately manage credit risk. Managing credit risk is one of the next big challenges facing financial institutions. The importance and relevance of efficiently managing credit risk is evident from the huge investments that many financial institutions are making in this area, the booming credit industry in emerging economies (e.g. Brazil, China, India, ...), the many events (courses, seminars, workshops, ...) that are being organised on this topic, and the emergence of new academic journals and magazines in the field (e.g. Journal of Credit Risk, Journal of Risk Model Validation, Journal of Risk Management in Financial Institutions, ...). Basic Concepts provides the introduction to the concepts, techniques, and practical examples to guide both young and experienced practitioners and academics in the fascinating, but complex world of risk modelling. Financial risk management, an area of increasing importance with the recent Basel II developments, is discussed in terms of practical business impact and the increasing profitability competition, laying the foundation for books II and III.
What are the concepts and principles that underpin the design and delivery of social policies? This thoroughly revised edition of a trusted text provides an authoritative introduction to the theoretical framework of social policy. Drawing upon the fields of politics, sociology and philosophy, the book offers analysis of the history and relevance of a range of core concepts such as equality, liberty, citizenship and power. It explores key ideologies of welfare, including Marxism, Feminism and the Radical Right, and presents critical perspectives on the nature of society and class. A stimulating combination of classic debates and recent developments in the field, this edition: - Features an entirely new chapter on the growing influences of global justice and environmentalism - Includes thought-provoking new 'Questions for Further Discussion' at the end of each chapter - Addresses fundamental issues in contemporary society such as social exclusion, social division and the nature of happiness Written in a down-to-earth and engaging style, this major text is essential introductory reading for all students of Social Policy, as well as for any student of Sociology, Politics or Public Policy seeking to understand what is at stake in welfare policies of the 21st century.
What do modern academic economists do? What currently is mainstream economics? What is neoclassical economics? And how about heterodox economics? How do the central concerns of modern economists, whatever their associations or allegiances, relate to those traditionally taken up in the discipline? And how did economics arrive at its current state? These and various cognate questions and concerns are systematically pursued in this new book by Tony Lawson. The result is a collection of previously published and new papers distinguished in providing the only comprehensive and coherent account of these issues currently available. The financial crisis has not only revealed weaknesses of the capitalist economy but also highlighted just how limited and impoverished is modern academic economics. Despite the failings of the latter being more widely acknowledged now than ever, there is still an enormous amount of confusion about their source and true nature. In this collection, Tony Lawson also identifies the causes of the discipline’s failings and outlines a transformative solution to its deficiencies. Amongst other things, Lawson advocates for the adoption of a more historical and philosophical orientation to the study of economics, one that deemphasizes the current focus on mathematical modelling while maintaining a high level of analytical rigour. In so doing Lawson argues for a return to long term systematic and sustained projects, in the manner pursued by the likes of Marx, Veblen, Hayek and Keynes, concerned first and foremost with advancing our understanding of social reality. Overall, this forceful and persuasive collection represents a major intervention in the on-going debates about the nature, state and future direction of economics.
Tony Robbins, who has coached more than fifty million people from 100 countries, is the world’s #1 life and business strategist. In this new book, he teams up with Christopher Zook, a renowned financial investor who draws from thirty years of experience to round out the trilogy of #1 New York Times bestselling financial books. Together they reveal how, for decades, trillions of dollars of smart money – think of large institutions, sovereign wealth funds, individuals with ultra-high-net worth – have been making outsized returns using alternative investments in private equity, private credit, private real estate, energy and venture capital. Until recently, the vast majority of investors – those of us without insider access or eye-popping checkbooks – have been locked out of these exciting, high-yield opportunities. But there is a change underway. Alternative investments are coming to the masses, and investors need to know how to navigate their options, assess the merits of these opportunities, and determine how to best take advantage of this massive trend. In The Holy Grain of Investing, you’ll discover: Where opportunities will arise as we transition from the 'free money' era of zero interest rates to a new more realistic environment. How to take advantage of the trillions flowing into private investments by owning a piece of the firms that manage the assets. How to take advantage of private credit as an alternative (or compliment) to bonds. How and why professional sports teams have become an asset class of their own. How the renewable energy revolution will create new winners and losers. How investments in private real estate can work as an inflationary hedge. Interviews, advice, and insights from some of the world’s most formidable titans of industry, such as Howard Marks of OakTree Capital, Vinod Khosla of Khosla Capital, Barry Sternlicht of Starwood, Robert Smith of Vista, and Peter Theil of Founders Fund, among others. The market is changing, and the conventional wisdom no longer applies. Are you ready to add some fuel to your financial fire? No matter your wealth, your experience, your job, or your age, The Holy Grail of Investing will teach you everything you need to know to unleash the financial power of alternative investments.
There is a complex web of infrastructure behind the day-to-day operation of a Canadian city. Flick the switch and the light comes on; turn the tap and the water is there; flush the toilet and the sewage disappears. But what price are we paying for these services that make our lives easier? In an age of blackouts, water problems, overflowing sewers, dangerously smoggy skies, and overburdened highways - problems that have led to an increasingly fragile environment with serious consequences for all Canadians - author Tony O’Donohue offers The Tale of a City, an essential primer in helping us to understand and improve our relationships with our engineered and natural environments.
The authors propose that the Gezira scheme has played a paradoxical role in the capitalist transformation of the Sudan - reinforcing some non-capitalist production relations while at the same time acting as an engine for the peripheral capitalist development.
Richard Cantillon, writing fifty years before Adam Smith, was the first to see the economy as an interrelated whole, and the first to give a coherent account of how it works. This is the first comprehensive study of his economic theory and of his place in the history of the subject.
Take control of your finances! The latest on how to save more, invest wisely, and plan for the future. Do you need help managing your financial priorities? Relax! This friendly guide give you just the information you need to take control of your finances and make the most of your money. Whatever your income level, whatever you financial goals, the updated edition of this national bestseller is the Canadian sourcebook of sound financial planning. Discover how to: Get out - and stay out - of consumer debt. Reduce your spending Save more of what you earn Make profitable investments Buy insurance coverage that's right for you Select the best financial advisers Get smart! @ www.dummies.com Find listings of all our books Choose from many different subject categories. Sign up for eTips at etips.dummies.com Praise for Personal Finance for Canadians For Dummies® "One of the most comprehensive and readable guides available on the subject." - Calgary Herald "Packed with useful information, all presented in bite-sized segments in a clear, uncluttered format." - Toronto Star "Reaches out to everyday readers with straightforward tips and an easy-to-read format." - Ottawa Citizen
The relationship between the presidency and the press has transformed—seemingly overnight—from one where reports and columns were filed, edited, and deliberated for hours before publication into a brave new world where texts, tweets, and sound bites race from composition to release within a matter of seconds. This change, which has ultimately made political journalism both more open and more difficult, brings about many questions, but perhaps the two most important are these: Are the hard questions still being asked? Are they still being answered? In Columns to Characters, Stephanie A. Martin and top scholars and journalists offer a fresh perspective on how the evolution of technology affects the way presidents interact with the public. From Bill Clinton’s saxophone playing on the Arsenio Hall Show to Barack Obama’s skillful use of YouTube, Twitter, and Reddit as the first “social media president,” political communication appears to reflect the increasing fragmentation of the American public. The accessible essays here explore these implications in a variety of real-world circumstances: the “narcotizing” numbness of information overload and voter apathy; the concerns over privacy, security, and civil liberties; new methods of running political campaigns and mobilizing support for programs; and a future “post-rhetorical presidency” in which the press is all but irrelevant. Each section of the book concludes with a “reality check,” a short reflection by a working journalist (or, in one case, a former White House insider) on the presidential beat.
This book offers commentary and analysis on the catastrophic events which have recently confronted the international economy in the modern era and contrasts the current situation with other financial crises. It includes case studies on Lehman Brothers in the US, Babcock & Brown in Australia, and Northern Rock in the UK. Asking many pertinent questions about the causes of the crisis and its effects, the book explores fundamental themes such as: asset bubbles and speculation in the financial and non-financial markets, systemic risks and the role of regulation, and regulators. It also reviews the response of international institutions such as the IMF, the World Bank, the US Federal Reserve, the EU Central Bank and the G20. The book assesses the triggers of the crisis and evaluates rescue packages and policy responses as well as suggesting reform of regulatory and supervisory frameworks to maintain banking and modern financial systems in the future.
Get these two great books in one convenient ebook bundle! Personal Finance For Canadians For Dummies, Fifth Edition, is a comprehensive road map to financial security. Expert authors Eric Tyson and Tony Martin offer pointers on eliminating debt and reining in spending, along with helpful tips on reducing taxes. Learn how to build wealth to ensure a comfortable retirement and tuition for the kids with a primer on investing. Using up-to-date Canadian examples and references, Personal Finance For Canadians For Dummies, Fifth Edition provides you with the tools you need to take control of your financial life—in good times and bad. Making your own investment decisions can be intimidating and overwhelming. Investors have a huge array of investment options to choose from, and sorting through the get-rich-quick hype can be exhausting. Investing For Canadians For Dummies provides readers with a clear-headed, honest overview of the investing landscape, helping them to determine what investments are right for their goals. New for the Third Edition: The US sub-prime loan disaster, and how it can be an investing opportunity Up-to-date information about new mutual funds and mutual fund alternatives, such as exchange-traded funds Perspectives on buying a home in hot real estate markets like Calgary, Montreal, and Halifax Valuable advice on the best way to cut start-up costs and minimize tax charges when starting a new business New RRSP and RESP information, and advice on what to do with new allowable contribution levels
This book traces a dialectical ordering of positions in the globalisation debate, with later positions interpreted as responses to “immanent contradictions” implicit in earlier ones. The progression culminates in a Marxian framework addressing the contradictions implicit in all forms of capitalist globalisation.
The new Rough Guide to New Zealandis the definitive guide to the world's adventure capital. Now in full-colour throughout, it contains dozens of tempting colour photos illustrating the country's iconic landmarks and its stupendously diverse scenery. Detailed accounts of every attraction along with crystal-clear maps and plans will show you the very best New Zealand has to offer- from white-sand beaches and vast kauri trees in the north to the hairline fiords and penguin colonies in the south. With expert guidance you won't put a foot wrong when experiencing Maori culture or simply striking out on multi-day hikes. At every point this guide steers you to little-known sights such as secluded hot pools or Wellington's best caf�s. Insider tips, planning itineraries and author picks give you the inside scoop on the best accommodation across every price range, how to track down Marlborough's tastiest Sauvignon blancs and where the most delectable Maori hangi can be found. Make the most of your time with The Rough Guide to New Zealand.
The ...on a Shoestring series helps small business owners grow their business imaginatively, effectively and without spending a fortune. Aimed at entrepreneurs with plenty of vision and commitment but not a lot of cash, each book will be packed with ideas that really work, real-life examples, step-by-step advice and sources of further information. If you run your own business, keeping an eye on your cash is one of your most important tasks. It's much more than knowing how much money you're making (or not), but when it's due to come in, who is due to pay... and who hasn't. Chapters in this revised edition include: Understanding cash flow Knowing where the money is The rules of credit management Reducing debtor days Influencing non-paying or slow-paying customers Managing stock 'a great little package' The Bookseller
I think it’s really cool to be on a jury. Take the O.J. jury—the people on that jury got book deals, and they got on Nightline, and some of them even got to meet Greta Van Susteren! They were always being written about in the newspapers: “Juror No. 1, a thirty-six-year-old Caucasian male with a master’s degree who works for a high-tech corporation.” Throw in a line about how “he likes to hunt and fish,” and you’ve got The Dating Game. I wonder what they’d write about me. “Juror No. 4, a fat, bald, old, whiny Caucasian man who dresses like a vagrant and has complained incessantly about the texture of the toilet paper in the jury lavatory.” I try to diet, but unfortunately I’ve come to the point in life where nearly everything disgusts or disappoints me except food. And so I eat all day long. If I had a family crest, at this point it would be a man with a chicken breast in one hand, a cheeseburger in the other, and a garland of sour-cream-and-onion potato chips around his head. Tony Kornheiser is back. The celebrated Washington Post columnist and ESPN radio and TV personality relates his experience as an OnStar user, a proud new owner of the Ronco Showtime Rotisserie & BBQ, and a “phone-a-friend” on Who Wants to Be a Millionaire. And in between, he dishes out political commentary on Monica and Bill and Al and George W. Read all about his quest to fit into size 36 Dockers and his struggle to buy holiday gifts. And know that in the process you’re handing this Kornheiser guy the dough for these columns twice. I got into the stock market late. I was deep in my forties and I still had all my money in the bank, earning 2 percent, like it was low-fat milk. My friends laughed at me. Even the people at the bank laughed at me—they had all their money in the market. So I gave my money to a financial adviser, who promised me he would get me a greater return than the bank. A baboon could do that, Tony. Yes, but would a baboon give me steak knives? —from I’m Back for More Cash
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