Articles on Commercial Banking

What is Commercial Banking?

The banking industry is a highly specialized field. To the layman, it may appear like all banks perform the same...

Types of Products Offered by Commercial Banks

In terms of products and service coverage, the commercial banking ecosystem is much larger than the retail banking ecosystem. Corporations...

Market-Based Vs Bank-Based Financial Systems

Commercial banks do make some money by providing services such as transaction processing and payroll processing to their clients. However,...

How do Commercial Banks Help in Processing Payments?

Timely payments are very important to any corporation. Only if a corporation is able to keep its word and make...

Fraud Prevention Using Positive Pay

As we have already seen in previous articles, corporations all over the world have started automating their payments. Unfortunately, a...

Check Printing and Mailing Services offered by Commercial Banks

Corporations all across the world make a wide variety of payments via checks. This includes statutory payments, payments to utility...

Reverse Factoring – Meaning and its Benefits

The purpose of commercial banking is to help corporations meet their funding needs in a better manner. Commercial banks help...

Multi-Currency Accounts

In the globalized world of today, it is common for a business to go international. Almost any company which has...

Treasury Management Services

The role of commercial banks is to act as trusted partners to their corporate associates. Over the years, the degree...

Remote Deposit Capture (RDC)

Commercial banks have been relying on a wave of digitization in order to provide the best-in-class service to their customers....

Risks Associated with Remote Deposit Capture

The usage of remote deposit capture has been increasing rapidly in the recent past. This is because the technology is...

What is Bank Guarantee? – Different Types of Guarantees

The scope of trade has been widely expanded in the modern world. There are many kinds of organizations, private and...

Pros and Cons of Bank Guarantees

In the previous article, we have already studied what bank guarantees are and how these bank guarantees are provided by...

What are Corporate Credit Cards? – Different Types of Cards

Credit cards have been a great financial innovation that has revolutionized personal banking. As far as retail banking is concerned,...

Relationship Banking in Commercial Banking

Commercial banking is fundamentally different from retail banking in several ways. One of the main differences between the two types...

Pros and Cons of Relationship Banking

In the previous article, we studied what relationship banking is and how it is different as compared to transactional banking....

Point of Sale (PoS) System – Meaning, Importance and Benefits

With the advent of technology, more and more people have started accepting digital payments. This means that corporations have to...

Next Day Funding – Meaning and its Benefits

In the previous article, we have already studied how commercial banks help in providing point-of-sale services to their corporate customers....

Data Analytics in Commercial Banking

Commercial banking has traditionally been a relationship-driven business. This meant that the business was primarily driven by human-to-human contact. Over...

The Role of Commercial Banks In Liquidity Management

Due to increasing globalization in the world economy, a lot of multinational corporations today have their businesses spread out across...

Real-Time Liquidity – Meaning, Importance and Challenges

The liquidity management paradigm in the commercial banking industry has undergone a drastic change. At one time, liquidity management was...

Notional Pooling – Meaning, Advantages and Disadvantages

Commercial banks provide various types of services to their customers. One such area of service is that of liquidity management....

Sweeping – Meaning, Need and Types

We are already aware that commercial banks are offering several liquidity management services to their clients. In the previous article,...

Automated Intercompany Loans

Liquidity management can be a big problem for several companies. This is particularly true if the company has a large...

Multi Bank Cash Concentration

In the previous article, we studied about the concept of sweeping. We are now aware that commercial banks provide their...

Swingline Loans – Meaning, Need and Its Alternatives

In the previous articles, we have seen the various non-lending-related commercial banking products which are offered by banks. However, at...

Advantages and Disadvantages of Swingline Loans

In the previous article, we have already studied what Swingline loans are. We now know that such loans are different...

Merchant Cash Advance

The commercial banking system has undergone a high deal of innovation in the past few years. A lot of new...

Pros and Cons of Merchant Cash Advance

In the previous article, we understood what a merchant cash advance is. We also understood the two types of merchant...

Advantages of Non-Interest Income

Over the years, corporate banking has become a very important part of the overall banking system. This is because of...

Disadvantages of Non-Interest Income

In the previous article, we learned about the non-interest income at various commercial banks. We have also understood what these...

Managing Money Laundering Risks in Commercial Banks

Up until now, we have seen various ways in which commercial banks are able to serve their corporate clients. Almost...

Anti-Money Laundering Activities at Commercial Banks

In the previous article, we have already seen how commercial banks inadvertently help anti-social elements in laundering money. We have...

Subscription-Based Corporate Banking Business

Banking services in general and corporate banking, in particular, have witnessed a lot of innovation in the past few years....

Advantages of Subscription-Based Banking

Commercial banks were first hesitant to adopt a subscription-based revenue model. This is because it was widely believed that such...

Disadvantages of Subscription-Based Banking

In the previous articles, we have learned about what subscription-based banking is. We also know the various advantages that this...

Artificial Intelligence in Commercial Bank Lending

We have already seen the various ways in which technology has shaped the commercial banking domain. However, the commercial banking...

Disadvantages of Artificial Intelligence in Commercial Banking

In the previous articles, we have already seen what artificial intelligence is and how it can be applied in commercial...

Use Cases of Artificial Intelligence in Commercial Banking

In a previous couple of articles, we have already seen how artificial intelligence is useful in the field of commercial...

Why Blockchain May Not be Suitable for Commercial Banking?

As far as technology enthusiasts are concerned, blockchain is the most important invention since the wheel! It is very easy...

Open Banking – Meaning, Need, Advantages and Disadvantages

The field of commercial banking is undergoing many technological changes simultaneously. Open banking is one such technological change. Open banking...

Banking as a Service

Technological innovations are having a huge impact on the commercial banking industry. Many parts of the commercial banking business are...

Three Layers of Banking as a Service

The concept of banking as a service is revolutionary. This is because banking as a service is a mechanism using...

Advantages of Banking as a Service

In the previous articles, we have already studied open banking as well as banking as a service. Many people tend...

Disadvantages of Banking as a Service

Banking as a service is set to transform the commercial banking industry. It is the latest buzzword in the commercial...

Digital Onboarding in Commercial Banking

Commercial banking has traditionally been slow to adopt the latest technology. However, over the past few years, commercial banks have...

4 Driving Factors for Sustainable Corporate Banking

Commercial or corporate banking has undergone a sea of change in the recent past. All these changes have not been...

Challenges Faced by Commercial Banks

Commercial banking has been around for a very long time. Ever since the birth of corporations more than three centuries...

Straight Through Processing in Commercial Lending

Commercial banks all over the world have been forced to adapt to increasing changes in technology. This is because technological...

Benefits and Drawbacks of Straight-Through Processing

In the previous article, we have already seen what straight-through processing is and how it is different from the usual...

Multi-Banking: Meaning and Characteristics

The commercial banking industry is undergoing a rapid transformation. This transformation has been enabled by the increasing use of digital...

Pros and Cons of Multi-Banking

In the previous article, we have already seen what multi-banking is. We are now aware of how multi-banking is an...

Neo Banks and Commercial Banking

Traditionally, the commercial banking industry was largely controlled by commercial banks which had a huge brick-and-mortar presence. However, over the...

Pros and Cons of Neo Banks

In the previous article, we have already discussed what neo banks are. We now know the business model of neo...

Commercial Banks and Branch Banking

The business model behind commercial banking practice has completely changed over the years. Earlier, commercial banks were heavily dependent upon...

Types of Risks in Commercial Banking

Banking activity is generally considered to be risky. Banks earn money by borrowing money from people and then lending them...

Technology Risks In Commercial Banking: KfW Bank Case Study

The speed at which commercial banking is being automated is astounding. The automation process is about two decades old. However,...

Pros and Cons of Banking as a Platform (BaaP)

We know the way in which Banking as a Platform (BaaP) is using technology to revolutionize the commercial banking industry....

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Articles on Commercial Banking