FinTech Glossary

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    Investing

    Share Certificate

    27 April 2024

    Share certificates are written documents that are attested on behalf of a firm or a corporation, which acts as legal proof for ownership stating the number of shares shown.

    Stress testing

    27 April 2024

    Stress testing checks the resilience of companies as well as investment portfolios against a hypothetical possible future financial situations.

    Guidance

    27 April 2024

    The guidance refers to analytical data that firms share with their investors (stockholders).

    Crash

    27 April 2024

    A crash refers to a sudden dramatic loss in value of the market, which can last for months or years.

    Emerging Market ETF

    27 April 2024

    These are the ETFs focusing on the stocks traded in emerging countries such as India, Thailand, and Brazil.

    Bear

    27 April 2024

    A bear market is a situation in which stock prices fall from recent highs by 20% or more, amid widespread pessimism and negative investor sentiment.

    Economy

    Green Economics

    27 April 2024

    Green economics is one of the approaches in economics to facilitate a harmonious interaction between humans and nature.

    Standard of Living

    27 April 2024

    Standard of living refers to the degree to which a person can afford necessities, comforts, and luxuries.

    Market Failure

    27 April 2024

    In economics, market failure refers to a situation where the allocation of goods and services by a free market is not effective and efficient.

    Disguised Unemployment

    27 April 2024

    Disguised unemployment occurs when part of the labour force is either left without jobs or operates redundantly, such as the productivity of the workforce is effectively zero.

    Expansionary Fiscal Policy

    27 April 2024

    Expansionary fiscal policy is when the government increases the money supply in the economy using budgetary instruments to either raise spending or cut taxes—both having more money to invest for customers and companies.

    Economic Cycle

    27 April 2024

    The economic cycle is the economic fluctuation between periods of expansion (growth) and contracture (recession).

    Personal Finance

    White Collar Crime

    27 April 2024

    It is defined as an illegal act committed by a person of the higher socio-economic class of a society during the course of his or her profession or occupational activities.

    Custodian

    27 April 2024

    A custodian, also known as a custodian bank, refers to a financial institution that holds the possession of customers' securities to reduce the possibility of theft or loss.

    tsp,thrift savings plan

    27 April 2024

    It is a kind of retirement investment programme.

    Cross-Border Financing

    27 April 2024

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

    Credit Control

    27 April 2024

    Credit control is defined as the lending strategy that banks and financial institutions employ to lend money to customers.

    Vested Interest

    27 April 2024

    In general, a vested interest refers to a personal stake or involvement in a project, investment, or result.

    Taxation

    Tax Accounting

    27 April 2024

    Tax accounting dictates the specific set of rules that income tax assessees such as businesses and individuals should follow when preparing their tax returns.

    Phase Out

    27 April 2024

    The term 'phase out' is used widely in taxation domain.

    Representative assessee

    27 April 2024

    A Representative Assessee is someone who acts as another person's legal representative under the Income Tax Act.

    Tax Deducted at Source (TDS)

    27 April 2024

    Some governments have tax laws, which are required to deduct the tax before making tax payment.

    Tax Credit

    27 April 2024

    More commonly across the globe, a government may grant tax credits to encourage specific actions from taxpayers.

    Exemption

    27 April 2024

    Exemption implies being not liable to do something, given as a relief.

    Business

    Elasticity

    27 April 2024

    In economics, elasticity is the calculation of an economic variable's proportional change in response to a change in another.

    Servant Leadership

    27 April 2024

    Servant leadership refers to a method of leadership where an employee individual co-operates and co-exists with the management and other employees to obtain authority in an organisation rather than seeking power.

    Franchise

    27 April 2024

    A franchise is a form of license acquired by a party (franchisee) to allow them access to the proprietary knowledge, processes, and marks of a business (franchisor) in order to enable the party to sell a product or provide a service under the name of the business.

    Barcode

    26 April 2024

    A barcode refers to an image containing a series of parallel black and white lines which, when scanned, give information about a product.

    Logo

    26 April 2024

    A logo is a graphic image, emblem, or icon used to support and facilitate identification and appreciation by the general public.

    Quality Control

    27 April 2024

    Quality Control (QC) is a procedure or collection of procedures designed to ensure that a manufactured product or service adheres to a given set of quality standards or satisfies consumer/client requirements.

    Financial Advisor

    Investment Objective

    27 April 2024

    An investment objective is one of the few parameters that a financial advisor, asset management company, or Robo-advisor require in order to determine the assets in the portfolio of their clients.

    Turnkey Asset Management Program – TAMP

    27 April 2024

    It renders a fee-account technology platform that financial consultants, brokers, insurance companies, banks, law firms, and CPA firms can use to oversee their clients' investment accounts.

    CAG,Comptroller and Auditor General of India

    27 April 2024

    In a democracy like our country, India, accountability of the ruling class is an essential aspect of polity and governance.

    Security Analyst

    27 April 2024

    Security analysts are financial professionals that study and analyse several companies and industries and offer their valuation reports and research information.

    Investment Policy Statement (IPS)

    27 April 2024

    Investment Policy Statements (IPS) are documents that are drafted between an investor or a client and the folio manager.

    80-20 Rule

    27 April 2024

    The 80-20 rule is a financial observation which has shown that 80% of all the outcomes are due to 20% of causes for any event.

    Trading

    Commercial Hedger

    27 April 2024

    A commercial hedger is a company that uses futures contracts to lock the price of particular goods that it uses to operate its business.

    Online Currency Exchange

    27 April 2024

    Online currency exchange is an internet-based platform that aids the transfer of currencies for distribution in a stable, centralised setting between countries or companies.

    Fund Flow

    27 April 2024

    Fund flow is the sum of all cash inflows/outflows from and into different financial assets.

    Negative Bond Yield

    27 April 2024

    Negative bond yields are an unusual situation in which debt issuers are paid to borrow.

    Asteroid Event

    27 April 2024

    An asteroid event refers to unexpected events or unforeseen events which have adverse consequences for any business.

    Horizontal Line

    27 April 2024

    A horizontal line is often drawn, in technical analysis, on a price chart to illustrate areas of support or resistance.

    Corporate Finance And Accounting

    Inventory

    27 April 2024

    Inventory is the term used for the goods available for sale and the raw materials used to manufacture products for sale.

    Minority Interest

    27 April 2024

    A minority interest is less than 50 per cent ownership or interest in a company.

    Accounting Principles

    27 April 2024

    Generally Agreed Accounting Principles (GAAP) are general accounting principles and guidelines that provide the basis for more formal and rigorous accounting regulations, standards, and other accounting practices unique to the sector.

    Profit Centre

    27 April 2024

    A profit centre refers to a branch, unit, or division of a company which directly adds or which normally adds to the bottom-line or profits of the company as a whole.

    Capitalize

    27 April 2024

    Capitalising is a method of accounting where the value of an asset is expensed over the useful life of that asset, and not just during the period of incurring the cost.

    r squared

    26 April 2024

    It is a statistical measurement that is used to indicate the proportion of the variance for a dependent variable from the independent variable in a regression model.

    Savings/Wealth Management

    Land Value

    27 April 2024

    Land value is the worth of a piece of property, which includes both the value of the land itself and any enhancements made to it.

    Encumbrance

    27 April 2024

    An encumbrance is a charge by a party who is not the proprietor against a property.

    Easement

    27 April 2024

    An easement, or easement arrangement, is a term describing a situation in which one party uses another party's property, where a fee is charged to the property's owner in exchange for the easement rights.

    Savings Account

    26 April 2024

    A savings account refers to a bank or other financial entity holding interest-bearing savings account.

    Voluntary Retirement Scheme

    27 April 2024

    A Voluntary Retirement Scheme or VRS is a scheme that is offered by many companies to give employees the freedom to take voluntary retirement before they reach the age of retirement.

    Micro savings

    27 April 2024

    Micro-savings is a microfinance branch, consisting of a small deposit account provided to families or individuals with low income as an opportunity to store funds for potential use.

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