Academic Assignments

  Introduction Globally, electronic money is used for money transfers. As the global and networked economy grows, professionals are becoming more interested in the implications of e-money for future banking functions. Globalization and the advancement of information technologies are linked to the development of electronic payment systems. The process is not linear or consistent.   In the domain of e-money and implementing new banking methods, Euro-zone countries and countries from the region have advantageous experiences that help each country learn from the other.   What is E-money? Electronic money refers to money stored electronically on a "saved" card. Stashed in a user's account and usable to pay for products and services using a card or an electrical gadget such as a phone. One may have a financial company acting as intermediary supervising electronic money transactions. These funds are issued by both public and private entities globally, raising concerns about...

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Ratio analysis can be defined as a quantitative analysis of data obtained from the financial statements of a company. It assists in evaluating financial and operating performance , particularly in the context of efficiency, solvency, liquidity and profitability. It also provides a brief idea regarding the financial health of the company by comparing its performance over time. This, in turn, helps in assessing whether the company is improving or not. Never the less, the ratios can be categorized into six groups: liquidity ratios measuring the capability of the company in clearing off its short term debt obligations, then solvency ratios, comparing the company’s total amount of debts with its assets. Next profitability ratios which provide a clear and comprehensible picture regarding the generation of profits from the operations of the company. Also, efficiency ratios evaluate the proper usage of assets and liabilities of the company, while coverage ratios measure the ability o...

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