Top 5 FinTech Influencers

FinTech is a recent technological innovation that seeks to better the financial world through the introduction and application of technology to the world of finance. FinTech integrates both new and existing financial and technological companies to provide effective services in the areas of online payment, mobile transactions, and smooth financial management. Over time, the operation […]

What the Future Holds for Blockchain

When we talk about blockchain we refer to bitcoins essential technology. Blockchain, as it is known, promotes the exchange of data without the aid of a trusted go-between or intermediary. Thus, there was for the first time ever an internet of great value. Over time blockchain has gained impressive grounds. Startups for example that are […]

The Importance of Blockchain Wallet

Blockchain wallet which is provided by Blockchain software founded by Peter Smith and Nicholas Cary is a digital wallet used to manage cryptocurrencies like bitcoin and ethereum. Once you engage in the cryptocurrency business, you need to have a digital wallet that you would store your bitcoins and ethereum in for easy transactions. Blockchain is […]

The ways how blockchain is disrupting the financial system

Only within the spate of a decade, the blockchain decentralized payment system has done a lot more than we could have imagined. As it stands now, new projects with blockchain operating methods, are being nurtured and developed every day. The need for an autonomous system devoid of third party interference has become more pronounced, even […]

The Relevance of Rating Agencies

Credit rating agencies basically check and determine the ability of individuals, companies, countries to pay back debt. It assesses the creditworthiness of various bodies. Now that we have an idea of what credit rating agencies are, what then are the impacts they have on businesses and economies? That is what this article aims to shed […]

Issues Relating to Credit Rating Agencies

Understanding the Often-Unsatisfactory Behavior of The Rating Agencies The evidence that emerges from the analyses can lead, more than understandably, to the formation of a negative concept about the agencies, but above all, they weaken those certainties that lead to consider these organizations, essential for the proper functioning of the market. The birth of these […]

Rating Agencies in a Financial Crisis Approach

Introduction According to the thought of Himan Minsky, an American economist belonging to the Keinian doctrine, who died in 1996, in periods of expansion, when the cash flow of the enterprises exceeds the quota necessary to pay the debts, a speculative euphoria develops. At the origin of the crises there is a displacement, that is, […]

Ratings and Crisis

Introduction Rating Agencies have become increasingly important over the decades, slowly but surely penetrating the “market” system and strongly influencing it. Their importance has increased exponentially since the Eighties, as the development of financial markets reinforced the need for investors to have external support such as Ratings for the need to perceive the size of […]

Procyclical Rating

Introduction The Asian crisis of 1997-1998 and the default wave in 2001 have cast some doubts on the ability of the Agencies to carry out the review of the Ratings. A series of surveys have shown how high the percentage of market operators who are dissatisfied with the slow progress of the Agencies in adjusting […]

Rating Operation Problem

Introduction Most of the rating agencies’ problems stem from their inclusion in various regulations relating to the financial system. The rating was included in the regulation of the U.S. financial markets, the most developed today, which have long been the reference for all other financial systems. Today, the Basel 2 agreement marks a step forward: […]