FinTech Glossary

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    Investing

    Intrinsic Value

    27 April 2024

    As a new investor you should be aware of certain financial terms used in the market and for the stocks and assets that you want to invest in.

    Centralized Market

    27 April 2024

    A centralised market is a system of the financial market that is to have all orders directed to one central exchange with no other competitive market.

    Investment Analyst

    27 April 2024

    An investment analyst is a professional who researches financial instruments and securities for the purpose of recommending the purchase, sale and holding of securities.

    Market Risk Premium

    27 April 2024

    The market risk premium is defined as the difference between the expected rate of returns on a market portfolio and the rate, which is considered risk-free.

    Decline

    27 April 2024

    Decline, in general, refers to a reduction or a gradual decrease in the value or price of an article and so on.

    Reclamation

    27 April 2024

    Reclamation is defined as the right to claim a repayment of funds if an invested stock or security is delivered poorly.

    Economy

    GDP Per Capita

    27 April 2024

    Gross Domestic Product per capita or GDP per capita is a measure that calculates the country’s economic output that accounts for the number of people in the country or the country’s population.

    Production Efficiency

    27 April 2024

    Production efficiency refers to a level of production at which additional quantities cannot be produced without sacrificing the production of another product.

    Purchasing Power

    27 April 2024

    Purchasing power is a currency's value expressed in terms of the number of goods or services that can be bought by one unit of capital.

    Negotiable Instrument Act

    27 April 2024

    The negotiable Instrument Act was originally drafted in the year 1866 and implemented in the year 1881.

    Applied Economics

    27 April 2024

    Applied economics applies the facts presented from economic theories and analytical studies to actual-world situations with the preferred objective of informing economic choices and forecasting possible scenarios.

    Welfare

    27 April 2024

    Welfare refers to assistance programs sponsored by governments for needy individuals and families, including schemes, such as food stamps, health care assistance, and unemployment compensation.

    Personal Finance

    Deceased Alert

    27 April 2024

    Deceased alerts are notifications sent to credit card companies that will inform them that a person is no more.

    Priority Sector Lending

    27 April 2024

    The Reserve Bank of India decides to allot funds to predetermined priority sectors of the economy that may require credit and financial assistance, especially in cases where the lack of PSL will lead to the heavy losses to the participants of that sector in some cases.

    Visa Card

    27 April 2024

    Visa Card is a cashless facility to pay for goods and services.

    vostro account

    27 April 2024

    A Vostro account is defined as an account that a correspondent bank holds on behalf of another bank.

    Judgmental Credit Analysis

    27 April 2024

    Judgmental credit analysis is a way of accepting or rejecting credit based on the lender's judgment and not on a particular credit scoring model.

    Credit Mix

    27 April 2024

    Credit mix is defined as the various kinds of credit accounts that form a consumer's overall credit report.

    Taxation

    Phase Out

    27 April 2024

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

    Cascading Effect

    27 April 2024

    One of the primary goals of a taxation system involves stopping the "taxation over taxes" or "cascading-effect" of incident taxes.

    Tax Laws

    27 April 2024

    Taxation means the imposition of compulsory levies on individuals or entities by the government.

    Tax Credit

    27 April 2024

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

    Active Income

    27 April 2024

    Active income refers to income from the rendering of some service for fixed income, such as wages, including bonuses, tips, and commissions.

    Supply Under GST

    27 April 2024

    Under Goods and Services Tax (GST), supply is viewed as a taxable case for tax charges.

    Business

    PoS, Point of Sale

    27 April 2024

    Point of sale corresponds to the location where the transaction occurs – this may be physical or virtual.

    Acceptance

    27 April 2024

    Acceptance refers to a contractual agreement by an importer to repay the amount due for procuring goods at a future specified date.

    Quorum

    27 April 2024

    A quorum is a minimum number of members of a deliberative body (an organization that uses legislative procedure, such as a legislature) needed to conduct the group's business.

    Credo

    27 April 2024

    Credo is a Latin word that is described by the Oxford English Dictionary as a declaration of beliefs or goals that direct the actions of someone.

    Life Cycle

    27 April 2024

    A life cycle is a series of events that gives birth to a new product and follows its development into a mature product and ultimately becomes a critical mass and decay.

    Business Plan

    27 April 2024

    A business plan means a document which is a written detailed description of how business, usually a new one, will achieve its goals.

    Financial Advisor

    Chartered Advisor for Senior Living (CASL)

    27 April 2024

    A Chartered Advisor for Senior Living (CASL) is a certification or designation given to those individuals who are going to provide advises to elderly clients to gain financial security.

    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.

    Advisory Management

    27 April 2024

    Advisory management refers to the activity of providing investment advice or financial advice.

    Investment Advice

    27 April 2024

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

    Churn Rate

    27 April 2024

    The churn rate is also referred to as the attrition rate or the customer churn.

    Asset Allocation

    27 April 2024

    Asset allocation is a strategy in investments that intends to balance the risk and rewards by allocating a portfolio’s capital assets as per the individual’s risk profile, goals, and investment horizon.

    Trading

    Trading Account

    27 April 2024

    Any investment account which contains shares, cash, or other assets can be a trading account.

    Price Discovery

    27 April 2024

    Price discovery is a process which determines market prices, mostly through interactions between buyers and sellers.

    Trading Software

    27 April 2024

    Trading software aids financial product trading and analysis, such as stocks, options, futures, or currencies.

    Forward Spread

    27 April 2024

    A forward spread is the price difference taken at a given interval between the spot value of a security and the forward price of the same security.

    Yo-Yo

    26 April 2024

    Yo-yo is a slang word for a market which is very competitive.

    Nominee

    27 April 2024

    A nominee can be an individual or entity on whose name the assets or other properties are assigned to help complete the transaction when leaving the client like the real owner.

    Corporate Finance And Accounting

    time value of money

    27 April 2024

    It is the concept that money you have now is worth more than the identical sum in the future due to its potential earning capacity.

    waterfall model

    27 April 2024

    The waterfall model is a classic model that has been used in the system development life cycle.

    debt to equity ratio

    26 April 2024

    The debt-to-equity (D/E) ratio, which is determined by dividing a company's total liabilities by its shareholder equity, is used to assess financial leverage.

    Agency Problem

    27 April 2024

    The agency problem is a scenario of a conflict of interest which is inherent in all relations wherein one party is anticipated to operate in the best interests of another party.

    Lien

    27 April 2024

    Whenever you borrow a loan for buying an asset such as a car or a house, the institution from which the loan has been borrowed will place a lien on the asset.

    Standard Error

    27 April 2024

    The standard error refers to a statistical concept that tests the precision of which a sample distribution utilises standard deviation to describe a population.

    Savings/Wealth Management

    Property Management

    27 April 2024

    Property management is the supervision of residential, commercial, and industrial properties, including apartments, detached houses, condominium units, and shopping centres.

    Burnout

    27 April 2024

    Burnout defines a period during which mortgage-backed securities' (MBS) prepayment rates drop despite dropping interest rates.

    Gentrification

    27 April 2024

    Gentrification is characterized as transforming a neighbourhood, from low to high value, contributing to a community.

    Occupancy Rate

    27 April 2024

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

    Appurtenance

    27 April 2024

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

    Savings Rate

    27 April 2024

    The savings rate is a measure of the amount of money which an individual deducts from his/her disposable personal income to keep aside as a nest egg or for retirement, expressed as a percentage or ratio.

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