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Large conglomerates dominate this sector, but it also includes a diverse range of smaller companies.\r\nAccording to the Finance and Development department of the International Monetary Fund (IMF), financial service is best described as the process by which a consumer or business acquires a financial good. For example, a payment system provider is providing a financial service when it is able to accept and transfer funds from a payer to a recipient. This includes accounts that are settled through credit and debit cards, checks and electronic funds transfers.\r\nConsider a financial advisor. The advisor manages assets and offers advice on behalf of a client. The advisor does not directly provide investments or any other product. Instead, the advisor facilitates the movement of funds between savers and the issuers of securities and other instruments. This service is a temporary task rather than a tangible asset.\r\nFinancial goods, on the other hand, are not tasks; they are things. A mortgage loan may seem like a service, but it's actually a product that lasts beyond the initial provision. Stocks, bonds, loans, commodity assets, real estate, and insurance policies are examples of financial goods.","materialsDescription":" <span style=\"font-weight: bold;\">What are Financial services?</span>\r\nFinancial services are the economic services provided by the finance industry, which encompasses a broad range of businesses that manage money, including credit unions, banks, credit-card companies, insurance companies, accountancy companies, consumer-finance companies, stock brokerages, investment funds, individual managers and some government-sponsored enterprises. Financial services companies are present in all economically developed geographic locations and tend to cluster in local, national, regional and international financial centers such as London, New York City, and Tokyo.\r\n<span style=\"font-weight: bold;\">What are Commercial banking services?</span>\r\nA commercial bank is what is commonly referred to as simply a bank. The term "commercial" is used to distinguish it from an investment bank, a type of financial services entity which instead of lending money directly to a business, helps businesses raise money from other firms in the form of bonds (debt) or stock (equity).\r\n<span style=\"font-weight: bold;\">What is the Investment management?</span>\r\nInvestment management - the term usually given to describe companies that run collective investment funds. It also refers to services provided by others, generally registered with the Securities and Exchange Commission as Registered Investment Advisors. Investment banking financial services focus on creating capital through client investments.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_Financial_services__1_.png"},{"id":771,"title":"P2P transfers","alias":"p2p-transfers","description":" Peer-to-peer transactions (also referred to as person-to-person transactions, P2P transactions, or P2P payments) are electronic money transfers made from one person to another through an intermediary, typically referred to as a P2P payment application. P2P payments can be sent and received via mobile devices or any home computer with access to the Internet, offering a convenient alternative to traditional payment methods.\r\nThrough the P2P payment application, each individual's account is linked to one or more of the user's bank accounts. When a transaction occurs, the account balance in the application records the transaction and either send or pulls money directly to the user's bank account or stores it in the user's account within the application.\r\nSince this concept's inception, many business entities have developed P2P transaction capabilities, increasing the competition in the space and the convenience brought to the consumer. The prevalence of mobile devices has also forced the adaptation of P2P payment applications to become more convenient for users.\r\nP2P payment application functionality varies, but the processes generally follow a similar structure:\r\n<ul><li>First, the user downloads the application and creates an account and links it to a credit card, debit card, or bank account.</li><li>Then the user can create contacts and send payments using another user's email address, phone number, or account handle.</li><li>During a transaction, money is taken out of the user's account within the application and transferred to the receiving user's account. If there is not enough money in the account to complete the transaction, money is taken directly from the user's bank account to finish the transaction.</li></ul>","materialsDescription":" <span style=\"font-weight: bold;\">What are Person-to-Person Payments (P2P)?</span>\r\nPerson-to-person payments (P2P) is an online technology that allows customers to transfer funds from their bank account or credit card to another individual's account via the Internet or mobile phone.\r\n<span style=\"font-weight: bold;\">How Do Person-to-Person Payments (P2P) Work?</span>\r\nThere are two general approaches for initiating a person-to-person payment:\r\nIn the first method, based on the successful Paypal approach, users establish secure accounts with a trusted third-party vendor, designating their bank account or credit card information to be used to transfer and accept funds. Using the third party's website or mobile application, individuals can complete the process of sending or receiving funds. Users are generally identified by their email address and can send funds to anyone who is a member of the network.\r\nIn the second method, customers use an online interface or mobile application (developed by their bank or financial institution) to designate the number of funds to be transferred. The recipient is designated by their email address or phone number. Once the transfer has been initiated by the sender, the recipient then receives a notification to use the online interface to input his or her bank account information and routing number to accept the transfer of funds. In this method, recipients do not need to have an account with the financial institution of the sender in order to receive a money transfer.\r\n<span style=\"font-weight: bold;\">Why Do Person-to-Person Payments (P2P) Matter?</span>\r\nThe increased acceptance of online banking, mobile banking, and e-commerce by consumers has paved the way for greater use of person-to-person payments.\r\nAfter more than a decade of PayPal dominating the market, major banks and credit card companies are finally getting in on the action. This type of capability has long been available in many parts of the world, but major financial institutions in the U.S. have been slow to adopt the technology. 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