Sentences with phrase «by financial innovations»

In a speech laying out the potential changes wrought by financial innovations, Lagarde also said that over the next generation, «machines will almost certainly play a larger role» in helping policymakers, offering real - time forecasts, spotting bubbles, and uncovering complex financial linkages.

But the more prevalent view seemed to be that the diversification of risk made possible by financial innovation, and the relative strength of capital and liquidity levels, would stand the system in good stead.

Financial intermediaries, of course, routinely convert capital gains in stocks, bonds, and homes into cash for businesses and households to facilitate purchase transactions.6 The conversions have been markedly facilitated by the financial innovation that has greatly reduced the cost of such transactions.

High on the list of things learned might be that Wall Street's participation in the instruments created by financial innovation can increase underwriting standards and lower systemic risk.

Not exact matches

WASHINGTON — Thirty years after failing to convince the Supreme Court of the threat posed by home video recordings, big media companies are back and now trying to rein in another technological innovation they say threatens their financial well - being.

Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.

In a move that should be welcomed by anyone serious about innovation in financial technology, the Securities and Exchange Commission announced Friday that it would prosecute the creator of two stock - like «ICOs,» or Initial Coin Offerings, which it alleges were sold on the basis of fraudulent claims.

The financial industry has been so limited by process and tradition that it has fallen behind in terms of innovation and digital development, leaving opportunities for less - established fintech startup businesses to seize opportunities in the marketplace.

In its ruling, the agency also suggested it's looking for a way to encourage the promise of blockchain - based financial innovation — described in papers like this highly - cited one by venture capitalist Balaji Srinivasan — while also protecting investors from scammers.

«We actively encourage innovation by supporting those businesses looking to develop and introduce innovative ideas into the market,» said Samantha Barrass, chief executive of the Financial Commission.

While it remains uncertain whether the rate increase will pass legal muster, by focusing solely on short - term financial consequences rather than long - term growth and innovation, the PUD is shortchanging Washington's citizens by driving new technology businesses away from the state:

But Tu says that while consumers have benefitted tremendously from tech innovations by companies like Google, Facebook, Alibaba and Tencent, the financial industry lags behind because many financial service firms rely on in - house tech teams, which means that «fintech continues to be more «finance» than «tech,» especially in Asia.»

The Economist said his financial innovations «are credited with fueling much of America's rampant economic growth by enabling companies with bright ideas to get the money they need to develop them.»

Unlike most financial innovations, which are led by commercial consumers, blockchain started the other way around, leaving enterprises to catch up.

Increased innovation would benefit consumers, by giving them additional choices, more convenience, greater access to capital and lower costs when choosing financial products.

As FinTech companies disrupt the financial services industry with marketplace lending and blockchain - based supply chains, wholesale banks are meeting the challenge by reprioritizing IT spending and improving their innovation capacity.

Our definition of financial inclusion goes beyond the standard fintech approach: We welcome startups that address financial inclusion by leveraging unique innovations both at the solution and strategy levels.

The Australian government explains that it has taken the same approach that countries such as the United States, United Kingdom, and Canada have taken regarding digital currency businesses because it will facilitate innovation and follow guidance issued by the Financial Action Task Force — the international regulator for preventing money laundering, terrorism financing, and other dangers that hinder the world's financiaFinancial Action Task Force — the international regulator for preventing money laundering, terrorism financing, and other dangers that hinder the world's financialfinancial system.

Our mission is to leverage the newest innovations in technology, financial thought leadership, and the regulatory advocacy of our subsidiary broker - dealer, Liquid M Capital to reduce current market inefficiencies by providing our clients with a breadth of financial technology solutions.

Come join a discussion about ways emerging businesses can increase gender diversity to improve financial performance and increase innovation by empowering women entrepreneurs.

The Bitcoin network is itself fueled by money, but it is also an incredible innovation environment for the next generation of financial services.

Financial deregulation and the associated increase in competition among lenders has also played a role by making loans cheaper, easier to obtain, particularly to investors, and providing innovations such as home equity loans and redraw facilities.

Rotman MFin students can play a vital role at the Lab by providing the strategic insights and the financial acumen needed to turn research innovations into high - growth ventures.

Ever since, our capital markets have been in a perpetual state of transformation fueled by innovations in brokerage services, advisory tools, investment products, retirement plans, financial technology, and shifts in both the political and economic climates.

This is partly driven by the need for innovation in the light of financial austerity, alongside the recognition that a vibrant public realm is at the core of a successful, prosperous society.

«Our continued rise in the league of the world's biggest banks is made possible by the passion and unwavering commitment of every member of staff, the management and the board to building a solid financial institution reputable for innovation, integrity, good corporate governance standards, and excellence in service delivery.»

But in the last decade, the Japanese government has sought to counter this by internationalizing the country through a series of administrative innovations, alliances with foreign government agencies, financial support for foreign scholars, and programs that bolster top universities» international recruitment efforts.

Using an event study and financial expert ratings, the authors analyzed the types of innovations and returns on 428 financial innovations by 39 major banks in North America and Western Europe between 2001 and 2010.

The study by Gerard J. Tellis, professor, director of the Center for Global Innovation and Neely Professor of American Enterprise at USC Marshall School of Business and his colleagues, Lisa Schöler and Bernd Skiera at the Goethe University Frankfurt in Germany, is titled «Stock Market Returns to Financial Innovations Before and During the Financial Crisis in the U.S. and Europe.»

Now is the time to accelerate our progress by further lifting of the charter cap, where sufficient demand and proven providers exist, while at the same time making the financial investment in growing and deepening the innovation school movement.

Now is the time to accelerate our progress by further lifting of the charter cap, where sufficient demand and proven providers exist, while at the same time making the financial investment in growing and deepening the innovation school movement,» writes Professor Paul Reville.

Such innovation is sabotaged by the waiver plan due to limited time and financial resources as well as little evidenced - based research to model.

Charter Schools Development Corporation, a 501 (c)(3) nonprofit corporation and Community Development Financial Institution (CDFI), promotes innovation and excellence in education by helping charter school entrepreneurs and leaders finance, build and expand their school models, with the goal of ultimately improving student achievement by increasing school choice within the American public education system.

CSDC, a 501 (c)(3) non-profit corporation and Community Development Financial Institution (CDFI), is celebrating 20 years of promoting innovation and excellence in education by financing and developing facilities for great public charter schools nationally.

Charter Schools Development Corporation, a 501 (c)(3) nonprofit corporation and Community Development Financial Institution (CDFI), promotes innovation and excellence in education by helping charter school entrepreneurs and leaders finance, build, expand and replicate their school models, to create great public charter schools nationwide.

Charter Schools Development Corporation, a 501 (c)(3) nonprofit corporation and Community Development Financial Institution, promotes innovation and excellence in education by helping charter school entrepreneurs and leaders finance, build, expand and replicate their school models, to create great public charter schools nationwide.

(e) The board shall establish the information needed in an application for the approval of a charter school; provided that the application shall include, but not be limited to, a description of: (i) the mission, purpose, innovation and specialized focus of the proposed charter school; (ii) the innovative methods to be used in the charter school and how they differ from the district or districts from which the charter school is expected to enroll students; (iii) the organization of the school by ages of students or grades to be taught, an estimate of the total enrollment of the school and the district or districts from which the school will enroll students; (iv) the method for admission to the charter school; (v) the educational program, instructional methodology and services to be offered to students, including research on how the proposed program may improve the academic performance of the subgroups listed in the recruitment and retention plan; (vi) the school's capacity to address the particular needs of limited English - proficient students, if applicable, to learn English and learn content matter, including the employment of staff that meets the criteria established by the department; (vii) how the school shall involve parents as partners in the education of their children; (viii) the school governance and bylaws; (ix) a proposed arrangement or contract with an organization that shall manage or operate the school, including any proposed or agreed upon payments to such organization; (x) the financial plan for the operation of the school; (xi) the provision of school facilities and pupil transportation; (xii) the number and qualifications of teachers and administrators to be employed; (xiii) procedures for evaluation and professional development for teachers and administrators; (xiv) a statement of equal educational opportunity which shall state that charter schools shall be open to all students, on a space available basis, and shall not discriminate on the basis of race, color, national origin, creed, sex, gender identity, ethnicity, sexual orientation, mental or physical disability, age, ancestry, athletic performance, special need, proficiency in the English language or academic achievement; (xv) a student recruitment and retention plan, including deliberate, specific strategies the school will use to ensure the provision of equal educational opportunity as stated in clause (xiv) and to attract, enroll and retain a student population that, when compared to students in similar grades in schools from which the charter school is expected to enroll students, contains a comparable academic and demographic profile; and (xvi) plans for disseminating successes and innovations of the charter school to other non-charter public schools.

By delivering Federal Financial and Technology Services, the ESC is able to save its customer agencies money by reducing costs through economies of scale, partnerships, innovation and improvement in capital planninBy delivering Federal Financial and Technology Services, the ESC is able to save its customer agencies money by reducing costs through economies of scale, partnerships, innovation and improvement in capital planninby reducing costs through economies of scale, partnerships, innovation and improvement in capital planning.

Through more than 30 essays authored by experts from across a broad range of fields, What It's Worth provides a 360 - degree view of the financial problems and challenges millions of American households face, the enormous creativity and innovation already happening to increase financial well - being, and how we can implement proven and emerging solutions.

Over the last few decades, a surge of financial innovation has occurred that has created hundreds of new financial products that are not well understood by the common consumer.

Ever since, our capital markets have been in a perpetual state of transformation fueled by innovations in brokerage services, advisory tools, investment products, retirement plans, financial technology, and shifts in both the political and economic climates.

Our award - winning deposit products have been endorsed by numerous financial outlets and we've won awards for technology and innovation in banking.

Our organization has been promoting the concept of financial capability by seeding and testing grass - roots innovations designed to shrink the know - do gap.

I find it hard to reconcile talking points of the current Republican leadership on the irresponsible burden placed on future generations by the ballooning national debt and deficit with derisive attacks on efforts to move past finite fossil fuels, to conserve fuel, to spur innovation and basic research and to treat the risks from accumulating greenhouse gases the same way the party treats the risk of fiscal breakdown from building financial obligations.

The innovations can be financial — the realm of microfinance — which has been a transformative force, although one suffering deep growing pains in India — and its less well - known cousin, microfranchising (a model best illustrated by VisionSpring's network of homegrown entrepreneurs providing cheap eyeglasses in poor places).

«Our financial analysis shows beyond doubt that the low carbon transition underway is driven by unstoppable technological change and innovation.

Its innovative and transformative curriculum would address changes in the profession by focussing on innovation in legal education and offering more opportunities for experiential learning geared towards «new competencies» such as entrepreneurial spirit, financial literacy and technological proficiency.

This venture is a testament to Therium's continued innovation of the third party funding industry, driven by growing demand for funding of financial services cases, as highlighted by the firm's recent research, and the increasing complexity of financial products and transactions across the global financial markets.

Lighthouse continues to bring innovation in governance, compliance, and ediscovery with the acquisition of the leading chat ediscovery software and services used by financial institutions and other highly regulated industries worldwide.

[span style = «font - size: 12.16 px; line - height: 15.808 px;»] It began with little fanfare when Maureen Jensen, the first woman to be nominated as chairwoman and chief executive officer of the Ontario Securities Commission, announced plans in late September to create the first innovation hub by a Canadian securities regulator to help financial technology companies navigate the OSC's regulatory framework.