Muhammad Abid

The writer is having vast experience in Banking and Finance sector for over one and half decade, where during his period of work he has experienced different economic and development initiatives taken for the wellbeing of the public masses through the banking channel. He has worked for the Microfinance banks which are offering community based services among the under developed segment of the society. The major work done in Financial Inclusion where several hundreds of people were brought to Banking channel to improve their businesses. The under served segment of society like woman were given the chances to change their lives through credit facilities to grow their home based businesses which is also an imitative of Women Empowerment. The Writer has also worked against different social issues and highlighting them for positive change in the society through public awareness and their active involvement to reach to the solution. This journey of empowering people is on going and is never lasting till the time last person remains underserved.

Blockchain and cryptocurrency in Banking

Financial Terminologies /

Blockchain and cryptocurrency have had a significant impact on the banking industry, introducing new opportunities and challenges. Blockchain and cryptocurrency are two closely related concepts, but they serve distinct purposes. Let’s explore their roles separately; Blockchain in banking: Blockchain technology is a distributed and decentralized ledger system that allows secure and transparent recording of transactions […]

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Brick and Mortar Model of Banking

Financial System & Institutions /

Brick and Mortar model concept in banking refers to the traditional physical presence of banks through physical branch locations. It implies that banks have physical buildings “bricks” while representing the physical infrastructure “mortar” that holds the business together where customers can walk in and conduct their banking transactions, as opposed to operating solely through online

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Future of Conventional Banking – Factors Affecting Conventional Banking

Financial System & Institutions /

The future of conventional banking is expected to undergo significant changes as technology continues to advance and customer preferences evolve. Conventional banking involves physical branches where customers can conduct various financial transactions and access banking services while now technology is changing all the conventional banking concepts which are not much significant. Here are some potential

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Digital Banking: How Banks Operate in the Digital Age

Financial System & Institutions /

Introduction: The dawn of the digital age has revolutionized the banking industry, transforming the way financial institutions operate and how customers interact with their banks. Traditional brick-and-mortar banking has given way to digital banking, where financial services are delivered through online platforms and mobile applications. This article aims to provide a detailed exploration of how

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Interest Rates

Uncategorized /

An interest rate is a percentage that represents the cost of borrowing money or the return earned on an investment. It is typically expressed on an annual basis. When you borrow money, the interest rate is the additional amount you pay back to the lender on top of the principal amount borrowed. When you save

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Labour Day

Socio Economic /

A day set aside for honoring and celebrating the struggles and achievements of workers and their unions have made, and continue to make countries of the world great, it is today. While, we tend to think about Labour Day as a holiday, the idea of a day for honoring working people has held international appeal.   The

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Cost of Funds

Financial Terminologies /

Introduction to Cost of Funds: The cost of funds refers to the interest rate that a financial institution or a company has to pay to obtain funds. It is the cost that a company or a financial institution incurs in order to borrow money or raise capital. The cost of funds is usually determined by

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Solutions of Energy Crisis

Socio Economic /

The solutions to an energy crisis would depend on the specific nature and causes of the crisis. However, there are several broad strategies that can help address energy shortages and promote sustainable energy use; A. Diversify energy sources:  Over-reliance on a single energy source can make a country vulnerable to supply disruptions and price fluctuations.

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