Robots vs Humans: The fight for supremacy

Posted on December 12, 2019Categories Algorithms, Analytics, Artificial Intelligence, Blockchains, Cybersecurity, Data analytics, Digital currency, Internet of Things, Payment solutions, Robo advisor   Leave a comment on Robots vs Humans: The fight for supremacy

There were times when we dreamed of seeing robots doing jobs for us. Little did we know that along with making life easier for us, robots will steal our jobs. Some might argue that companies should stay loyal to its employees the same way its employees were loyal to it. Companies don’t mind taking that path, but it comes at a huge cost of losing ground to competitors. Most of the sectors out there have companies competing for supremacy, and technological changes are their path to success.

In order to stay relevant in a particular market, it is important to adapt to changes that bring efficiency and productivity.

This is also the case in the world of finance. The recent years have seen some dramatic changes in the financial sector, where robots have taken over some routine jobs. If you think this is bad news for people putting in years of work for these jobs, think again. Technology is not slowing down, and  robots are going to keep replacing many job functions.

Today, the usage of Artificial Intelligence (AI) is not breaking news. These technologies have been implemented in the capital markets. The use of such algorithms has resulted in automation of jobs in the global financial landscape.

The threat faced by the human financial experts is not simply based upon the fact that robots are way more efficient in all terms as compared to humans. It is also a fact that these experts are not trained to work alongside AI technologies.

Global financial executives and managers are aware of the changes that have taken place and the changes that are set to follow. A lot of these analysts are ready to welcome the changes by getting trained and skilled in the techniques, so that they get a chance to work using AI technologies  and remain in the position. It is quite evident that panic is setting in among professionals and the only way is to adapt and overcome.

Financial market traders, analysts, and a few other professionals are very well aware about the current. Fintech has ensured that most banking and finance facilities are now available at the fingertips of customers. Earlier, what used to take hours of standing in a line at banks is now replaced by sitting comfortably on your couch and takes a few seconds of your day.

On one hand, you have the ease of operations such as transferring money through Fintech apps, trading stocks from your phone, paying for commodities through mobile paying apps, and tones of other functions.

Apps like PayTM, Zerodha, PayZapp, etc are some wonderful examples of technology replacing many human functions. These apps today allow us to transfer funds, accept payments, buy and sell shares, mutual funds and many other market securities – from the comfort of our homes. These were tasks which would otherwise take a long time – as it involved us going out to banks and the broker’s office!

On the other hand, people are losing jobs because their jobs have been replaced by machines. This is an opportunity for us to upskill and get competitive as an economy.

Conclusion

The only thing permanent in this world is change. Embrace it! The overhaul that is set to take place in the financial industry is going to be rapid, and 10 years down the line, we will be witnessing changes that we never thought of.

Changes are going to happen whether you like it or not. We, at BSE Institute Limited truly believe in change and helping future experts adapt to these changes. With our GFMP Edge FinTech Professional program, get ready to be part of a disruptive new field that will change the way we live. This is your chance to be an expert, and bag high paying jobs in finance! Change, before you are forced to change!

Business Laws you should be aware of

Posted on December 10, 2019October 6, 2020Categories Education, Entrepreneurship, Executive Courses, Indian Economy, Mergers & Acquisition, Mutual Funds, Public policy   Leave a comment on Business Laws you should be aware of

Your business might be a separate entity on paper, but it is always going to be close to your heart. After all, your business is the bread and butter for all practical purposes.

So, what makes a business run smoothly in the longer run? A lot of you might say “sales”. Of course, sales is important and growth in sales every year is a positive sign. This is only possible if the business is doing business ethically as per the law of the land.

Business’ engaging in unethical practices come under the radar at some point of time, leading to a mega boycott by its consumers, suppliers and Government – which eventually making it a business from the past.

Different countries have different business laws. There are a few laws that are common, and a few that are different in each and every country.

Following business laws is very important as –

  1. You want your business to continue for a long time
  2. You don not want to end up in jail
  3. Your business has to be eligible for local, national and international contracts.

When in India, there are few business laws that every single business owner must know.

Business Formation Law

Before you start a business, you need to choose the type of business you wish to run. Are you planning to run a company that is public, a business with limited liability, sole proprietorship, or family business.

Once this is done, the owner must register his company with his regional Registrar of Companies (RoC).

Finance laws

Business runs on money and during the early days it is important to invest sufficient amount of money to keep your ship afloat.

Mainly, there are 3 ways to fund your business:

  1. Equity: By selling equity shares of your business, you bring cash in return which will help you grow your business.
  2. Debt: You incur a debt by taking out loan for your business at a fixed interest rate.
  3. Self-finance: This doesn’t need an explanation. You take money from your savings to fund your business.

Employment laws

You might be the only person working for your business during its early stages, but eventually when your business grows, you will have to start hiring.

When you have employees working for you, you must abide by labour laws and have agreements in place to ensure there are no conflicts in future. Ensuring you meet all labour/ employee law requirements may sometimes require you to hire consultants.

Intellectual Property Laws

If you have A business that invests heavily in research and development and builds new proprietory products – you need to be careful about Intellectual Property laws. It is necessary that you have a copyright, trademark, or patent it so that others cannot copy it.

Information technology laws

The use of technology in almost every single business is mandatory. It is also important to adapt to new technologies so that your business doesn’t lose out on efficiency.

Technology is the life blood of businesses now, but that comes at the risk of online threats. This is why the Government of India has introduced the IT act so that your identity and privacy is legally protected.

Contract laws

This is one of the most important laws to know. The laws that we spoke about until now thrive because of the contract law. This is a contract where both the parties unanimously agree to the stipulated conditions mentioned in the and agree to work together.

This needs to be communicated rightly so that there’s no dispute later on.

Conclusion

All major business players in the Indian market are known to abide by business laws to conduct business in India and the World. Only with clean books of accounts can the local and national population trust   a business. This is important for bidding for local, national and international contracts. This ensures longevity and a stable growth for the business.

BSE Institute Limited’s Executive Program in Securities and Business Law is all you need for building a stable empire, built on sound legal guidelines and trust. Join now!

 

Financial success with Fundamental analysis

Posted on December 4, 2019Categories Analytics, Corporate Finance, Education, Financial Markets, Investment Banking, Mutual Funds   Leave a comment on Financial success with Fundamental analysis

How do you evaluate a human being? We usually tend to do a background check, look at the person’s past records, his current status, and finally come to a conclusion.

Its the same with a company. An investor, before investing, looks into the financial data of the company before coming at a valuation. This method of financial analysis where every basic detail of a company is studied is known as Fundamental Analysis.

Why is fundamental analysis important?

  1. Evaluation of management

Management is the final decision making body that holds together an entire organization. Fundamental analysis will help you understand the management of an organization, and how efficient they are.

  1. Company and its competitors

A thorough fundamental analysis will not only tell you if a company is profitable, but also about its market share and how it fares as compared to its competitors. If a company cannot outperform its competitors, it won’t last in the longer run.

  1. Fair value

Analyzing a company’s past and present is important to understand its fair value. Fundamental analysis can help in arriving at this value by evaluating the company. This will help in understanding if the company is overvalued or undervalued.

This analysis will help you understand the fair value and pick stocks for investment.

  1. Future pricing

The most important factor an investor is concerned about is the future value of his investment. A company’s business model will help understand if it’s going to make money in the near future.

Fundamental analysis helps in forecasting the future price of a stock. If an analyst finds a favourable future, he will decide to invest his money into the company and vice versa.

How do you conduct fundamental analysis?

  1. Company website

A company’s website is the first place you need to visit. This will give you an idea about the company, its business’, board meetings, objectives, investor information and much more. This will help in getting an overview about the company and understanding if its worth considering.

  1. Company’s financial statements

Any company’s financial statements are readily available on the internet. It is important you go through its profit and loss statements, balance sheet, forecasts, etc to understand it’s health and future prospects. If this shows a year on year increase in sales and profits constantly, it should be a good investment.

  1. Debt ratio

A company’s debt ratio will help you understand if its a good long term investment. A company having a debt ratio of less than 1 is usually seen as a good investment. It means that it is not heavily under debt and can grow quite fast.

It is the duty of an investor to conduct fundamental analysis of a company by looking at various factors that influence its market share, longevity,valuation, and profitability.

Conclusion

Fundamental analysis involves an in depth understanding of a company’s competitors, industry and finances. This is important from an investor’s perspective as it’s his money that will be involved in the business.

To understand how stock markets work, why and how fundamental analysis impacts a company’s shares, opt for BSE Institute Limited’s Basic Program in Stock Markets.

Online learning at your fingertips

Posted on December 3, 2019Categories Education, Undergraduate Courses   Leave a comment on Online learning at your fingertips

When it comes to new innovation, skepticism follows it. We have been skeptical about a lot of innovations, but eventually we get used to it. Be it using Financial technologies (Fintech), use of social media sites on phones, and the list goes on and on.

Online learning platforms are today a huge hit, but there was a time when people were skeptical about them. An ever increasing number of people are opting for online courses because of various reasons. Being a cheaper option and flexible learning time are some of the most important factors that have given the virtual class an edge.

Some people doubt the online coaching platforms because they tend to believe, people who opt for such courses are lazy or not good enough to sit inside a traditional classroom. Adding to such doubts is a misconception that there are no doubt solving sessions.

Instead of drowning deep inside all the negativity and misconceptions, let’s talk about reasons why online training programmes are better than normal classroom sessions.

  1. Wide range of options

Online training platforms offer a wide variety of courses to its users. This enables people from various educational backgrounds to choose a course of their liking and develop modern skills and adapt to new technologies.

The options available are vast, ranging from free digital marketing courses, software programming, various technical languages that you could learn, and even executive MBA courses from some of the top B-schools in the world.

  1. Flexible learning

Anyone who has spent hours inside a classroom will tell you how difficult it is to keep your concentration levels stable throughout the lectures. It makes it difficult for people to grasp everything that has been taught during lectures.

Online learning enables you to watch and learn through online classes at your speed and time. This ensures that the person is able to focus throughout the module and better understand all the topics.

Moreover, you can pause, rewind and replay your online lectures and complete it at your own pace.

  1. Learning made easy

There are a lot of concepts in different subjects that are hard to understand through textbooks. These concepts are simplified and shown in an interactive way through online courses, which makes it easier to understand.

Visuals that you see with your naked eyes get registered in your brain and last longer. This is something traditional methods of education can’t afford to do.

  1. Flexible schedule

Once a person gets into a corporate life, it becomes difficult for him to learn something new. The current work environment is so competitive that a few skill sets could help you stand out.

People who go to work every single day need to develop a certain skill set in order to elevate their career.

Online certificate programs are the perfect remedy for this issue. An everyday office goer can learn new skills at a time and place of his choice. With this, challenges like traveling and interference with your job schedule are completely eliminated.

  1. Solving queries

One of the misconceptions that we spoke earlier was about doubt solving sessions. Online courses have forums where candidates can clear their queries. These forums include a vast number of people from the same discipline discussing about topics and solving queries to help the candidates in need.

Training portals also have dedicated doubt solving sessions which are conducted live.

  1. Benefiting both the parties

We have spoken about the benefits from a student perspective. Let’s talk about the benefits for a teacher.

There are teachers who have given up their profession due to some personal reason. These teachers can benefit from online courses as they can now teach from a location of their choice. This is now the source of income for many people interested in teaching and had previously given up on their careers for personal reasons.

Conclusion

Online learning is not a trend that will fade away with time. Ever since its introduction, the number of users have increased rapidly. This has led to new online platforms being created. The rise has even seen online degrees being issued by some of the biggest Universities on the planet.

 

Choose a finance course from bsevarsity.com, a 100% subsidiary of BSE India, the world’s largest stock exchange and gain new skills to move up in life.