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Ctro Innovación BBVA sur Twitter : "Between 2011 and 2014, 700 million people opened a bank account: #banking #fintech. Towards full banking penetration? Between 2011 and 2014, 700 million people opened a bank account.

Towards full banking penetration?

In the same period, the number of people outside the banking system fell by 20%, or 2 billion adults. In 2014, 62% of adults held an account, well above the 54% registered in 2011. The World Bank's 2014 Global Findex study, funded by the Bill and Melinda Gates Foundation in partnership with Gallup, Inc., highlights the importance of banking penetration for a country's development: “It is a critical factor in reducing poverty and is the result of economic growth. It is not an end in itself, but it leads us towards an end since it offers substantial benefits for individuals”.

The year 2020 is one of the dates set by the World Bank for many countries in Latin America to achieve full banking penetration. Today, 40 million adults receive government payments in accounts. In the region as a whole, 28% of adults make payments directly against their accounts using a debit card, compared with 14% in developing countries on average. OpenMind sur Twitter : "The END of the Traditional Retail #banking.

Digital Banking II: End Game of the Traditional Retail Banking. The traditional retail banking business is dead.

Digital Banking II: End Game of the Traditional Retail Banking

The question is how? A traditional retail bank takes deposits from the retail clients and pays an interest. The banks lend out the money to take the credit risk. Meanwhile, the banks needs to provide the liquidity to the non-regular cash withdraws and take the liquidity risk. Occasionally, the central bank offers a hand to the banks to help them manage both of the risks, especially when there is a financial crisis happens. How a digital bank can make a difference from a traditional retail bank?

From Dec 2013 to Sep 2014, “Prosper” has executed 87,645 p2p loans with total notional 1.18 billions USD, range from rating AA to HR. The Power of diversification and transparency As a retail customer, you are not able to see the stories behind the deposit rate the bank offered to you. The traditional deposit yield is equal to: Bank’s fixed cost + interest rate financial markets + quality of bank’s investment process Yeung Yeung. Which MBA? Best Business School Rankings. Business Education: MBA, EMBA, Masters in Management, Executive Education and European business schools rankings and news.

Find the Best College for You. Global MBA Rankings 2011. Table notesAlthough the headline ranking figures show the changes in the survey year to year, the pattern of clustering among the schools is also significant.

Global MBA Rankings 2011

A total of 210 points separate the top school from the school at number 100 in the ranking. The top 10 schools, from the London Business School and University of Pennsylvania: Wharton to Iese Business School, form the leading group of world-class business schools. A total of 41 points separate LBS and Wharton from Iese. The second group is headed by the Indian Institute of Management, -Ahmedabad, which scored 69 points more than Lancaster University Management School, leader of the third group. The fourth group, which includes schools ranked from number 74 to 100, is headed by Purdue University: Krannert and University of Strathclyde Business School.

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