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Information Technology and Integrated Financial Services

Financial institutions are on the verge of needing a major face-lift and can benefit immensely when they forge partnerships with Information Technology (IT) firms, enabling both service providers to provide quality, top-notch service. The existing financial institutions are forced to spend large fortunes to get the latest technologies in areas such as enterprise performance management, corporate banking and treasury management.

So How Big Is The UK Financial Market?

While we all come across loans of some kind through our lives, including mortgages, overdraft, personal loans, business loans, credit cards, etc do we really know how big the market is? How much money actually changes hands on a monthly basis? You would be surprised at the massive amounts involved, which are covered in a summary of the British Bankers Association report for October 2006

A Summary of the Best UK Financial Websites

While there are literally thousand upon thousand of Financial Websites specialising in the UK market, there are only really a handful of main ones to consider. The sites themselves tend to cover all aspects of finance including, stocks and share, loans, savings, credit cards and much more. If there is a financial instrument you are after, they will have it!

Want to Manage Your Surplus Cash?

Have you made all the fixed expenses? Have you made all the variable expenses? Are you still left with excess cash? If yes, then there is no need to worry. There are a number of ways to manage this excess cash flow.

Debt Elimination Fraud – Online

Even serious agencies and companies are taking advantage of this type of situation where people just do not know what to do

Escrow Account: How It Works

An Escrow Account is a saving account where you deposit money for paying off your home insurance and taxes. The account is opened by the lender who loans you money for the mortgage. Once you have paid a percentage of the mortgage amount, and have not defaulted in the payment, then the lender might decide to excuse you from any further payments through the Escrow Account.

Enterprise Security for Financial Services: Access and Identity

Security is a major issue for companies providing financial services. The nature of security threats to such companies is mostly of two kinds, identity and access. Financial institutions need to monitor the access to crucial data, and see to it that there is no fraud committed through impersonation.

Cash Flow 101

Cash flow is very important, as many businesses have failed due to lack of cash flow rather than any other reason! Having a clear idea of how much cash is available at any given time is crucial for implementing new strategies and for planning any short term or long term funding requirements of the business.

Sarbanes Oxley Act: Compliance and Risk Based Approach

Under the section 404 of the Sarbanes-Oxley (SOX) Act, a public company has to file an internal report about the financial reporting procedures it follows, the effectiveness of its design and operation, and the trustworthiness of its financial dealings.

Tips For Getting The Right Mortgage

Applying for your mortgage and being able to get it are two different things. Also knowing when to apply and where can enter into the picture, too. Here are some tips to help you be better prepared to get the mortgage you are looking for.

Debt Restructuring: Types And Methods

Debt restructuring refers to the reallocation of resources or change in the terms of loan extension to enable the debtor to pay back the loan to his or her creditor. Debt restructuring is an adjustment made by both the debtor and the creditor to smoothen out temporary difficulties in the way of loan repayment. Debt restructuring is of two types, and there are many ways to carry out the restructuring process.

Cash Flow Forecasting

Forecasting cash flows is very important, as many businesses have failed due to lack of cash flow rather than lack of profit! Cash flow forecasting is absolutely essential while planning short or long-term funding requirements of any business.

Choosing Your Loan Repayment Period

Although choosing the right loan period is important, there is always the possibility that you can change the terms if you need to. If you find that you can afford to pay off the loan more quickly, then try and do this