FinTech Glossary

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    Investing

    repo,repurchase agreement

    29 March 2024

    A repurchase agreement (repo) refers to short-term borrowing for dealers in government securities.

    Asset/Liability Management (ALM)

    29 March 2024

    Asset/liability management refers to using assets and cash flows to lower the firm’s risk of loss due to not paying a liability on time.

    Holdings

    29 March 2024

    Holdings are the contents of an individual or entity's investment portfolio, such as a pension fund or a mutual fund.

    Hurdle Rate

    29 March 2024

    A hurdle rate is the minimal rate of return required by a manager or an investor from a project or an investment.

    Froth

    29 March 2024

    Froth is referred to as the market conditions that exist prior to a market bubble.

    vc,venture capital

    29 March 2024

    Venture capital (V.

    Economy

    Decile

    29 March 2024

    Decile is an analytical method used in statistical studies to divide a set of data into ten equal subsections.

    Law Of Supply

    29 March 2024

    The law of supply states that the price shows a linear relationship to the volume of goods when all other factors are equal.

    perturbed,perturbation

    29 March 2024

    The term perturbation has different meanings with respect to the different fields that it is used in.

    barter system

    29 March 2024

    A barter system is known as an old method of exchange.

    Neoclassical Economics

    29 March 2024

    Neoclassical economics is one of the approaches of economics which examines supply and demand as the driving forces for production, pricing, distribution, and consumption of goods.

    Liquidity Adjustment Facility

    29 March 2024

    A liquidity adjustment facility (LAF) is a tool used in monetary policy, mainly by the Reserve Bank of India (RBI), which enables banks to borrow money through repurchase agreements (reposals) or banks to lend to the RBI using reverse repo contracts.

    Personal Finance

    Credit Insurance

    29 March 2024

    Credit insurance is a form of insurance policy a borrower purchases in the event of death, injury, or unemployment, in rare cases, paying off one or more existing debts.

    Wholesale Banking

    29 March 2024

    Wholesale banking refers to those banking services that are offered to institutional customers, government agencies, local governments, companies with huge balance sheets etc.

    Subaccount Charge

    29 March 2024

    Subaccount charges are a kind of fee levied for the management of a subaccount by a bank or other financial institution.

    Cross-Border Financing

    29 March 2024

    Cross-border financing is defined as the financing deals that happen beyond the country’s borders.

    Conveyance

    29 March 2024

    If you have ever gone through a real estate deal, you must be quite familiar with the term “Conveyance”, which is often used as a legal term in real estate transactions.

    Limited Common Elements

    26 March 2024

    Limited Common Elements are properties of a condominium which are not exclusive to any particular unit dweller.

    Taxation

    fiscal deficit

    29 March 2024

    When the government spends more than its total income, such a situation is called a fiscal deficit.

    Duty

    29 March 2024

    Duty can either be a form of taxation or a personal obligation.

    Capital Gains Tax

    29 March 2024

    To put it simply, any benefit or gain resulting from the selling of a capital asset is a capital gain.

    Tax Avoidance

    29 March 2024

    Tax is a source of revenue for a government of a country through which it endeavours to provide better infrastructure, the standard of living, and security to its residents.

    Charitable Contributions Deduction

    29 March 2024

    Charitable contributions deduction refers to a deduction on the account of donations made towards charity.

    Provisional Assessment

    29 March 2024

    Assessment refers to the process of determining tax liability.

    Business

    Company

    29 March 2024

    A company is a legal entity established by a group of individuals engaged in business—commercial or industrial—enterprise and its activity.

    what is ipo

    29 March 2024

    An initial public offering (IPO) refers to granting shares of a private corporation to society in a new stock issuance.

    Target Market

    29 March 2024

    A significant portion of the success while selling a good or service depends on knowing whom it will appeal to and who will ultimately buy it.

    Outsourcing

    29 March 2024

    Outsourcing is a business practice, where a company hires another company to carry out some of its business functions.

    Price Discrimination

    28 March 2024

    Price discrimination is a microeconomic pricing technique, in which the same supplier transacts equivalent or substantially equivalent goods or services in separate countries at varying prices.

    Employer Identification Number, EIN

    29 March 2024

    It is a unique identifier that is assigned to a business entity for easy identification by the revenue department.

    Financial Advisor

    Capital Asset Pricing Model (CAPM)

    29 March 2024

    The Capital Asset Pricing Model (CAPM) refers to the relationship between systemic risk, especially stocks, and expected to return on the assets.

    Cross-Sell

    29 March 2024

    Cross-selling means offering goods similar to or equivalent to an established consumer.

    ​Contract Note

    29 March 2024

    Contract notes are among the most relevant legal documents available to investors on the stock market.

    Human-Life Approach

    29 March 2024

    The human-life method refers to a method of calculating the necessary insurance protection for loss of life.

    Investment Advice

    29 March 2024

    Investment advice refers to suggestions or recommendations to any prospective investor who seeks to put money into any financial product or instrument.

    Registered Investment Advisor (RIA)

    29 March 2024

    Registered Investment Advisor (RIA) is an individual or a firm that advises high net worth individuals on investments and manages their portfolios.

    Trading

    Stochastic

    29 March 2024

    Stochastic, as a stochastic oscillator indicator is often simply called, is a momentum indicator that shows the price sensitivity of a security to time over which the price sensitive was measured.

    Risk

    29 March 2024

    Risk means potential uncertainty regarding deviation from expected earnings or outcome.

    Contract Unit

    28 March 2024

    A contract unit is the total value of the underlying asset that particular futures or derivatives contract represents.

    S&P/TSX Composite Index

    29 March 2024

    S&P/TSX Composite Index is a Canadian Index, which tracks the performance of listed companies on the Toronto Stock Exchange (TSX).

    Price Stabilisation Fund (PSF)

    29 March 2024

    Price Stabilisation Fund is any fund created to absorb extreme volatility in selected commodity prices.

    INR (Indian Rupee)

    29 March 2024

    The Indian Rupee is India's official currency; ₹ is the Indian currency symbol.

    Corporate Finance And Accounting

    Subordinated debt

    29 March 2024

    ## Introduction to Subordinated Debt

    Subordinated debt is a lax loan or bond that positions below more senior loans or securities with claims on assets or earnings.

    Funded Debt

    29 March 2024

    A company's debt with a maturity period of more than one year or one business cycle is called funded debt.

    Implicit Cost

    29 March 2024

    An implicit cost is any cost already incurred but not explicitly expressed or reported as a separate expense.

    Mean

    29 March 2024

    Mean is a simple mathematical average obtained of two or more numbers.

    Divestment

    29 March 2024

    Divestment is the method of selling subsidiary properties, investments, or divisions to increase the parent company's value.

    Advance Payment

    29 March 2024

    Advance payment is a kind of payment made in advance of its normal schedule, such as payment for a good or service before you actually receive it.

    Savings/Wealth Management

    Occupancy Rate

    29 March 2024

    The occupancy rate is the ratio of used or rented space to the total amount of available space.

    Real Property

    29 March 2024

    Real property refers to land and any property which is directly attached to it, including any subset of land which has been changed by legitimate human acts.

    Appurtenance

    29 March 2024

    The appurtenance is a legislative concept that signifies the attachment of a right or property to a better and more important principal.

    Investment Property

    29 March 2024

    An investment property refers to a real estate property acquired to obtain a return on the investment by rental income, the property's potential resale, or both.

    Attornment

    29 March 2024

    Attornment happens when a homeowner considers a new property owner as their landlord.

    Property Manager

    28 March 2024

    A property manager is a person or organization that is employed to supervise a real estate unit's day-to-day operations.

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