financial market research topics

Research Topics & Ideas: Finance

120+ Finance Research Topic Ideas To Fast-Track Your Project

If you’re just starting out exploring potential research topics for your finance-related dissertation, thesis or research project, you’ve come to the right place. In this post, we’ll help kickstart your research topic ideation process by providing a hearty list of finance-centric research topics and ideas.

PS – This is just the start…

We know it’s exciting to run through a list of research topics, but please keep in mind that this list is just a starting point . To develop a suitable education-related research topic, you’ll need to identify a clear and convincing research gap , and a viable plan of action to fill that gap.

If this sounds foreign to you, check out our free research topic webinar that explores how to find and refine a high-quality research topic, from scratch. Alternatively, if you’d like hands-on help, consider our 1-on-1 coaching service .

Overview: Finance Research Topics

• Corporate finance topics
• Investment banking topics
• Private equity & VC
• Asset management
• Hedge funds
• Financial planning & advisory
• Quantitative finance
• Treasury management
• Financial technology (FinTech)
• Commercial banking
• International finance

Corporate Finance

These research topic ideas explore a breadth of issues ranging from the examination of capital structure to the exploration of financial strategies in mergers and acquisitions.

• Evaluating the impact of capital structure on firm performance across different industries
• Assessing the effectiveness of financial management practices in emerging markets
• A comparative analysis of the cost of capital and financial structure in multinational corporations across different regulatory environments
• Examining how integrating sustainability and CSR initiatives affect a corporation’s financial performance and brand reputation
• Analysing how rigorous financial analysis informs strategic decisions and contributes to corporate growth
• Examining the relationship between corporate governance structures and financial performance
• A comparative analysis of financing strategies among mergers and acquisitions
• Evaluating the importance of financial transparency and its impact on investor relations and trust
• Investigating the role of financial flexibility in strategic investment decisions during economic downturns
• Investigating how different dividend policies affect shareholder value and the firm’s financial performance

Investment Banking

The list below presents a series of research topics exploring the multifaceted dimensions of investment banking, with a particular focus on its evolution following the 2008 financial crisis.

• Analysing the evolution and impact of regulatory frameworks in investment banking post-2008 financial crisis
• Investigating the challenges and opportunities associated with cross-border M&As facilitated by investment banks.
• Evaluating the role of investment banks in facilitating mergers and acquisitions in emerging markets
• Analysing the transformation brought about by digital technologies in the delivery of investment banking services and its effects on efficiency and client satisfaction.
• Evaluating the role of investment banks in promoting sustainable finance and the integration of Environmental, Social, and Governance (ESG) criteria in investment decisions.
• Assessing the impact of technology on the efficiency and effectiveness of investment banking services
• Examining the effectiveness of investment banks in pricing and marketing IPOs, and the subsequent performance of these IPOs in the stock market.
• A comparative analysis of different risk management strategies employed by investment banks
• Examining the relationship between investment banking fees and corporate performance
• A comparative analysis of competitive strategies employed by leading investment banks and their impact on market share and profitability

Private Equity & Venture Capital (VC)

These research topic ideas are centred on venture capital and private equity investments, with a focus on their impact on technological startups, emerging technologies, and broader economic ecosystems.

• Investigating the determinants of successful venture capital investments in tech startups
• Analysing the trends and outcomes of venture capital funding in emerging technologies such as artificial intelligence, blockchain, or clean energy
• Assessing the performance and return on investment of different exit strategies employed by venture capital firms
• Assessing the impact of private equity investments on the financial performance of SMEs
• Analysing the role of venture capital in fostering innovation and entrepreneurship
• Evaluating the exit strategies of private equity firms: A comparative analysis
• Exploring the ethical considerations in private equity and venture capital financing
• Investigating how private equity ownership influences operational efficiency and overall business performance
• Evaluating the effectiveness of corporate governance structures in companies backed by private equity investments
• Examining how the regulatory environment in different regions affects the operations, investments and performance of private equity and venture capital firms

Asset Management

This list includes a range of research topic ideas focused on asset management, probing into the effectiveness of various strategies, the integration of technology, and the alignment with ethical principles among other key dimensions.

• Analysing the effectiveness of different asset allocation strategies in diverse economic environments
• Analysing the methodologies and effectiveness of performance attribution in asset management firms
• Assessing the impact of environmental, social, and governance (ESG) criteria on fund performance
• Examining the role of robo-advisors in modern asset management
• Evaluating how advancements in technology are reshaping portfolio management strategies within asset management firms
• Evaluating the performance persistence of mutual funds and hedge funds
• Investigating the long-term performance of portfolios managed with ethical or socially responsible investing principles
• Investigating the behavioural biases in individual and institutional investment decisions
• Examining the asset allocation strategies employed by pension funds and their impact on long-term fund performance
• Assessing the operational efficiency of asset management firms and its correlation with fund performance

Hedge Funds

Here we explore research topics related to hedge fund operations and strategies, including their implications on corporate governance, financial market stability, and regulatory compliance among other critical facets.

• Assessing the impact of hedge fund activism on corporate governance and financial performance
• Analysing the effectiveness and implications of market-neutral strategies employed by hedge funds
• Investigating how different fee structures impact the performance and investor attraction to hedge funds
• Evaluating the contribution of hedge funds to financial market liquidity and the implications for market stability
• Analysing the risk-return profile of hedge fund strategies during financial crises
• Evaluating the influence of regulatory changes on hedge fund operations and performance
• Examining the level of transparency and disclosure practices in the hedge fund industry and its impact on investor trust and regulatory compliance
• Assessing the contribution of hedge funds to systemic risk in financial markets, and the effectiveness of regulatory measures in mitigating such risks
• Examining the role of hedge funds in financial market stability
• Investigating the determinants of hedge fund success: A comparative analysis

Financial Planning and Advisory

This list explores various research topic ideas related to financial planning, focusing on the effects of financial literacy, the adoption of digital tools, taxation policies, and the role of financial advisors.

• Evaluating the impact of financial literacy on individual financial planning effectiveness
• Analysing how different taxation policies influence financial planning strategies among individuals and businesses
• Evaluating the effectiveness and user adoption of digital tools in modern financial planning practices
• Investigating the adequacy of long-term financial planning strategies in ensuring retirement security
• Assessing the role of financial education in shaping financial planning behaviour among different demographic groups
• Examining the impact of psychological biases on financial planning and decision-making, and strategies to mitigate these biases
• Assessing the behavioural factors influencing financial planning decisions
• Examining the role of financial advisors in managing retirement savings
• A comparative analysis of traditional versus robo-advisory in financial planning
• Investigating the ethics of financial advisory practices

The following list delves into research topics within the insurance sector, touching on the technological transformations, regulatory shifts, and evolving consumer behaviours among other pivotal aspects.

• Analysing the impact of technology adoption on insurance pricing and risk management
• Analysing the influence of Insurtech innovations on the competitive dynamics and consumer choices in insurance markets
• Investigating the factors affecting consumer behaviour in insurance product selection and the role of digital channels in influencing decisions
• Assessing the effect of regulatory changes on insurance product offerings
• Examining the determinants of insurance penetration in emerging markets
• Evaluating the operational efficiency of claims management processes in insurance companies and its impact on customer satisfaction
• Examining the evolution and effectiveness of risk assessment models used in insurance underwriting and their impact on pricing and coverage
• Evaluating the role of insurance in financial stability and economic development
• Investigating the impact of climate change on insurance models and products
• Exploring the challenges and opportunities in underwriting cyber insurance in the face of evolving cyber threats and regulations

Quantitative Finance

These topic ideas span the development of asset pricing models, evaluation of machine learning algorithms, and the exploration of ethical implications among other pivotal areas.

• Developing and testing new quantitative models for asset pricing
• Analysing the effectiveness and limitations of machine learning algorithms in predicting financial market movements
• Assessing the effectiveness of various risk management techniques in quantitative finance
• Evaluating the advancements in portfolio optimisation techniques and their impact on risk-adjusted returns
• Evaluating the impact of high-frequency trading on market efficiency and stability
• Investigating the influence of algorithmic trading strategies on market efficiency and liquidity
• Examining the risk parity approach in asset allocation and its effectiveness in different market conditions
• Examining the application of machine learning and artificial intelligence in quantitative financial analysis
• Investigating the ethical implications of quantitative financial innovations
• Assessing the profitability and market impact of statistical arbitrage strategies considering different market microstructures

Treasury Management

The following topic ideas explore treasury management, focusing on modernisation through technological advancements, the impact on firm liquidity, and the intertwined relationship with corporate governance among other crucial areas.

• Analysing the impact of treasury management practices on firm liquidity and profitability
• Analysing the role of automation in enhancing operational efficiency and strategic decision-making in treasury management
• Evaluating the effectiveness of various cash management strategies in multinational corporations
• Investigating the potential of blockchain technology in streamlining treasury operations and enhancing transparency
• Examining the role of treasury management in mitigating financial risks
• Evaluating the accuracy and effectiveness of various cash flow forecasting techniques employed in treasury management
• Assessing the impact of technological advancements on treasury management operations
• Examining the effectiveness of different foreign exchange risk management strategies employed by treasury managers in multinational corporations
• Assessing the impact of regulatory compliance requirements on the operational and strategic aspects of treasury management
• Investigating the relationship between treasury management and corporate governance

Financial Technology (FinTech)

The following research topic ideas explore the transformative potential of blockchain, the rise of open banking, and the burgeoning landscape of peer-to-peer lending among other focal areas.

• Evaluating the impact of blockchain technology on financial services
• Investigating the implications of open banking on consumer data privacy and financial services competition
• Assessing the role of FinTech in financial inclusion in emerging markets
• Analysing the role of peer-to-peer lending platforms in promoting financial inclusion and their impact on traditional banking systems
• Examining the cybersecurity challenges faced by FinTech firms and the regulatory measures to ensure data protection and financial stability
• Examining the regulatory challenges and opportunities in the FinTech ecosystem
• Assessing the impact of artificial intelligence on the delivery of financial services, customer experience, and operational efficiency within FinTech firms
• Analysing the adoption and impact of cryptocurrencies on traditional financial systems
• Investigating the determinants of success for FinTech startups

Commercial Banking

These topic ideas span commercial banking, encompassing digital transformation, support for small and medium-sized enterprises (SMEs), and the evolving regulatory and competitive landscape among other key themes.

• Assessing the impact of digital transformation on commercial banking services and competitiveness
• Analysing the impact of digital transformation on customer experience and operational efficiency in commercial banking
• Evaluating the role of commercial banks in supporting small and medium-sized enterprises (SMEs)
• Investigating the effectiveness of credit risk management practices and their impact on bank profitability and financial stability
• Examining the relationship between commercial banking practices and financial stability
• Evaluating the implications of open banking frameworks on the competitive landscape and service innovation in commercial banking
• Assessing how regulatory changes affect lending practices and risk appetite of commercial banks
• Examining how commercial banks are adapting their strategies in response to competition from FinTech firms and changing consumer preferences
• Analysing the impact of regulatory compliance on commercial banking operations
• Investigating the determinants of customer satisfaction and loyalty in commercial banking

International Finance

The folowing research topic ideas are centred around international finance and global economic dynamics, delving into aspects like exchange rate fluctuations, international financial regulations, and the role of international financial institutions among other pivotal areas.

• Analysing the determinants of exchange rate fluctuations and their impact on international trade
• Analysing the influence of global trade agreements on international financial flows and foreign direct investments
• Evaluating the effectiveness of international portfolio diversification strategies in mitigating risks and enhancing returns
• Evaluating the role of international financial institutions in global financial stability
• Investigating the role and implications of offshore financial centres on international financial stability and regulatory harmonisation
• Examining the impact of global financial crises on emerging market economies
• Examining the challenges and regulatory frameworks associated with cross-border banking operations
• Assessing the effectiveness of international financial regulations
• Investigating the challenges and opportunities of cross-border mergers and acquisitions

Choosing A Research Topic

These finance-related research topic ideas are starting points to guide your thinking. They are intentionally very broad and open-ended. By engaging with the currently literature in your field of interest, you’ll be able to narrow down your focus to a specific research gap .

When choosing a topic , you’ll need to take into account its originality, relevance, feasibility, and the resources you have at your disposal. Make sure to align your interest and expertise in the subject with your university program’s specific requirements. Always consult your academic advisor to ensure that your chosen topic not only meets the academic criteria but also provides a valuable contribution to the field. 

If you need a helping hand, feel free to check out our private coaching service here.

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Financial Markets

Financial markets refers to the broad activity of buying and selling financial securities and derivatives, including bonds, equities, currencies, commodities, and other financial instruments. Changes in security valuations can affect the flow of capital through the economy, which can impact economic activity and have implications for monetary policy.

As part of its core responsibilities to inform U.S. monetary policy decisions, the SF Fed conducts extensive research on financial markets, financial conditions, and other related topics. This page features a collection of content on financial markets, including topics such as financial conditions, U.S. Treasury markets, securities and derivatives, and currencies and commodities.

Financial Conditions

U.S. Treasury Markets

Securities and Derivatives

Currencies and Commodities

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• How To Conduct Financial Market Research Like a Pro

How To Conduct Financial Market Research Like A Pro

Financial services providers need to integrate financial market research into their business strategy. This research supplies providers in this vertical with meaningful insights on their target market, market products, and services.

Moreover, this data grants and gives financial services providers a framework for decision-making. As these institutions have to deal with money, there’s a lot at stake for banks and money lending companies. 

In 2019 alone, the global financial services industry spent an estimated $50 billion extracting raw data to support their trading activities and transactions. 

This is because financial market research data enables them to forecast and analyze any trends or aspects of the organization that needs changes. Not only this, market research offers opportunities for investments that increase the profits for an organization.

Even in 2020, when the pandemic brought the entire world to a standstill and disrupted the global economy, financial market research helped finance leaders and the financial services industry to support the economy’s financial recovery. 

The Rising Importance Of Financial Services Industry

As aforementioned, the financial services industry is the main driver of a country’s economy, mainly dominated by large organizations. With a strong financial services sector, the nation’s economy grows, and the consumers earn more, thereby increasing their purchasing power.

The uncertainty brought about by the global pandemic means that potentially every company and organization is likely to make smart and bold financial decisions. Unlike the financial crisis of 2008, the 2020 pandemic has disrupted all aspects of the economy. This means that finance leaders and the financial services industry are strategically positioned to support the economy’s financial recovery. 

With the recent changes in technologies, the rise of new investment trends, and the significant shift in consumer behavior, financial services companies are forced to tap into valuable information to approach these changes. 

Moreover, companies need to leverage relevant data and insights to make the most of these opportunities to keep up with the recent digitization and innovation in the financial services industry. 

This means that market research is as crucial for the finance sector as any other industry. 

The Importance of Conducting Financial Market Research 

Financial markets play a crucial role in driving a country’s economy and offering countless opportunities for investors to tap into specific markets and services. But with changing regulatory demands and consumer requirements, financial services companies and organizations need unique insights to keep up with this changing industry.

Financial market research is essential because it can help break down market data and trends into a broader context that offers finance companies a clear perspective of the risks and benefits of a particular service.

Therefore, several financial services providers invest in data analytics and market research to gain valuable information about their customers. 

However, conducting accurate research is not easy. Lenders, bankers, real estate brokers, and all other kinds of financial services providers need to know precisely what kind of information will help them in decision making. 

For commercial banks and investment companies, market research is essential as it determines which business proposition can benefit them in the long run. Moreover, it helps brokerage firms assess which products are in demand by their customer base so that they can suggest them based on the individual requirements of their customers.

The following expounds on  why a financial market analysis is important for banks and other businesses for their decision-making process:

Reduced Business Risks

When it comes to investing money, businesses need to know the right time to invest. With financial market research, they can predict the value of their investment to reduce business risks. Developing a financial plan that outlines all the risks and benefits that a firm may incur can give financial services providers an idea of which opportunities to invest in. 

Understanding these trends is also important so firms know exactly how to respond to market changes. Some frequent research areas for financial services providers include: 

• Business Banking 
• Personal Loans  
• Property Management

Effective Forecasting And Analysis

Accurate financial forecasting is crucial for financial service providers to strategize in the face of any uncertainties that may affect their business. Thus, financial market research equips businesses and institutions in their strategic planning process . 

This kind of research also provides deep insights into customer behavior and market shifts due to external factors and variations in market trends. With thorough finance market research, supported with effective survey campaigns , businesses can tap into what their customers are doing to offer something unique that sets them apart in the industry.

 It enables financial service institutions to set realistic and feasible goals and helps them predict their annual budgets. 

Accurate Demographic Targeting

To know their ideal demographic, businesses need effective financial market research to assess their target market and what they require from their business. This kind of research is also useful for understanding the distribution of consumer spending over a particular period and how customers feel about their financial situations. 

Financial service providers should inquire of their target market as such : are its members willing to make financial deals with your business at this time of crisis? How have their spending and saving plans changed?

Adequate financial research will delve into all these behaviors and trends at length to help institutions make better decisions. It also provides insights into demographic spending trends, where customers look for financial guidance and receptivity to media. 

Internal Audit Assistance

Businesses can evaluate the trading activities, existing credits, and regulatory reports for a successful internal audit by assessing financial market conduct.

The interconnectedness within the financial system has made it necessary for institutions to analyze their vulnerability to systemic risk s by assessing and analyzing macro-economic factors, industry trends, changes in regulations, risks materializing at other entities, and innovation by peers.

Carrying out an internal audit for a company offers a detailed report on the market’s existing and predicted financial risks . The interconnectedness of different industries and systematic risks in the economy brought about by the pandemic have made it imperative for financial services providers to put forward a dynamic audit plan. And the only way an audit plan will be successful in pointing out a company’s vulnerabilities is with adequate financial market research . 

How To Conduct  Financial Market Research

The following are two foremost methods for conducting financial market research:

Primary market research methods for the finance industry

Primary market research for the finance industry involves the direct participation of financial services providers in the research. It offers valuable data on different market areas that providers may require, as obtaining firsthand data provides them with unique insights , particularly their study. This is of utmost importance as secondary research providers do not provide data into the particular inquiries and topic s of study that a financial services provider seeks. 

Some of the methods to conduct primary market research for the finance industry include:

• Interviews – Financial services providers can hold interviews with industry participants to ask questions that require deep understanding. This is important to assess the changing preferences of clients for different financial services
• Observations – This is a qualitative, no-interaction technique used by financial advisors that can help them gain useful insights regarding the practices followed by finance companies, their competitors, and customer trends
• Email surveys – Financial advisors can contact industry participants and get feedback through a survey that includes short questions. These responses can then be analyzed and compiled as a report to understand market trends
• Online Surveys – They prove to be an essential tool within market research techniques as they collect data and insights on the exact amount of respondents to use in a survey pool. Online surveys can also support a company’s decision-making processes and offer them a competitive advantage through fast quality data. By accessing the right platform for generating online surveys, the financial services providers access qualitative and quantitative surveys.

Secondary market research methods for the finance industry

Secondary market research for the finance industry relies on data and information that researchers extract, meaning that the data has already been conducted by a third party and made available. 

Some of the methods to conduct secondary market research include:

• Industry Reports – Industry reports identify any opportunities or risks that the industry might face and present scenarios from the past that can help financial advisors deal with threats in a better way 
• Case Studies – Case studies illustrate how industries dealt with financial crises in the past and can provide a detailed, in-depth investigation into a complex situation. They are perfect for providing you with real-life examples of industries and actionable insights
• Statistics sites – Statistical research can help you decide which data collection methods would garner maximum results, what decisions to make, and how to predict behavioral response based on past statistical reports
• Research papers – Research papers provide in-depth knowledge on a particular topic that helps financial services providers understand and make better decisions
• Research agencies – Research agencies know all the proper tactics for conducting market research. They can help financial advisors with information such as client preferences, the right target market, predicting future financial conditions, etc

However, the type of research method financial advisors choose depends highly on time and available data. Qualitative market research like interviews and participant observation offers detailed, rich information and takes some time to collect. On the other hand, surveys and online feedback are easy to collect and lack necessary details. 

Secondary Market Research For The Finance Industry

The following is the list of the best secondary market resources on important data and insights on the finance industry.

• Business Insider – Financial Services Industry Overview  

It offers a general overview of the financial services industry, from money management to digital banking technologies. Also, it outlines all the major trends, topics, and behaviors needed for companies to climb up the ladder in the financial sector. 

• MarketResearch. Com – Financial Market Research Reports and Industry Analysis

Includes reports on the latest financial market research and provides analytical data on different financial subjects such as insurance management and consumer spending/saving patterns.

• IBIS World – Finance and Insurance Industry in the US

Compiled by IBIS World, this website is a massive database of thousands of industries. It presents useful information on economic changes, demographic data and helps organizations make better financial decisions. 

• MarketsAndMarkets – Banking and Financial Services Market Research Reports and Consulting

This website provides press releases, publications, and reports on banking and financial services. Given the devastating impact of the pandemic on the financial sector, the reports on MarketsAndMarkets also offer strategic, tactical advice on using financial services to help companies recover from their losses. 

• The Business Research Company – Financial Services Global Market report

The Business Research Company is the most authentic report on the internet that provides detailed reports on different industries in the market. It presents past trends and how markets have changed in the past decade and predicts statistical information on financial services providers. 

Financial market research enables the finance industry to gain meaningful insights into different products and services. This increases sales opportunities and offers businesses all the information they need to design effective financial strategies. 

Carrying Out Effective Research in the Financial Sector  

Online surveys are the most convenient method for collecting data owing to their accessibility and accuracy. This is why financial services providers need to leverage the power of an online survey platform or market research experts so that they can target a vast audience base and generate reliable survey responses.

To improve data quality, advanced online surveys leverage machine-learning to highlight and eliminate poor quality responses. AI in market research reduces the chances of error and eliminates duplicate entries of data that might result in outdated information and poor data quality. 

These online surveys are then used in random device engagement sampling (RDE)to engage a huge customer base on devices they are already using. Whether these surveys are posted on mobile apps or gaming interfaces, they are placed where the business’s audience can easily respond to them. This way, they can tap into unique and high-quality market research data that drives their decision-making process. 

Frequently asked questions

What is financial market research.

Financial market research offers useful insights into financial trends and strategies and gives statistical information on the leading finance companies. It also provides actionable insights regarding various financial instruments like portfolio pricing, risk management, etc.

Why do businesses need to conduct financial market research?

Financial market research minimizes the risk for financial services providers and identifies new business opportunities for them. It also gives them insights into market trends, identifies problem areas in the market and untapped resources.

How can an online survey platform help businesses with financial market research?

Online surveys are a reliable way of getting insights directly from consumers. They are also affordable and require minimal to no investment.

What are some of the resources to find secondary research on the finance market?

Secondary market research sources include the web, media sources, industry reports, case studies, press releases, publications, and company compiled data.

Do businesses need a financial advisor?

Even though many business owners choose to conduct their research, financial advisors can offer a solid, strategic plan that takes all their previous, present, and future investments into account and provide them with the most feasible plan. Moreover, financial advisors are experienced in their job and know a lot more about financial market trends than business owners that can help in effective decision making.

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How the Carl Icahns of the World Benefit Firms but Not Workers

• Walter Frick
• October 09, 2015

The Art of Commerce

• HBR Editors
• From the March 2014 Issue

A Short-Seller Crashes the Party

• Suraj Srinivasan
• From the December 2013 Issue

Research: How Investors' Reading Habits Influence Stock Prices

• Anastassia Fedyk
• September 02, 2016

What Private Equity Investors Think They Do for the Companies They Buy

• Paul Gompers
• Vladimir Mukharlyamov
• June 18, 2015

If CEOs Care About the Long Term, Why Don’t They Talk About It?

• Sakis Kotsantonis
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• George Serafeim
• November 13, 2015

Private Equity's Lessons for the Rest of Us

• Paul Michelman
• July 23, 2007

Survival of the Richest

• Andrew W. Lo
• From the March 2006 Issue

Who’s to Blame for the Bubble?

• D. Quinn Mills
• From the May 2001 Issue

Do Algorithms Make Better — and Fairer — Investments Than Angel Investors?

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Capitalism Won’t Thrive on Value Investing Alone

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Everything You (Don’t) Want to Know About Raising Capital

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How Banks Can Avoid a Repeat of the 2008 Foreclosure Crisis

• Michael Olenick
• July 09, 2020

The Fastest-Growing Cause for Shareholders Is Sustainability

• July 12, 2016

Activist Hedge Funds Aren’t Good for Companies or Investors, So Why Do They Exist?

• Roger L. Martin
• August 20, 2018

Strong Dollar, Weak Thinking

• October 13, 2015

What Has the Eurozone Learned from the Financial Crisis?

• Antonio Fatás
• September 28, 2018

As Cryptocurrencies Rise, Who Needs Banks?

• Beatrice Weder di Mauro
• May 07, 2018

Column: To Win, Create What’s Scarce

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Does the Market Know Your Company’s Real Worth?

• James McNeill Stancill
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Anheuser-Busch and Campbell Taggart

• Jonathan Shakes
• December 15, 1990

General Electric vs. Westinghouse in Large Turbine Generators (A)

• Michael E. Porter
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1994-95 Mexican Peso Crisis

• Kenneth A. Froot
• Matthew McBrady
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IndiGrid: Transitioning into India's First Independent Power Transmission InvIT (B)

• Sobhesh Kumar Agarwalla
• Ajay Pandey
• May 31, 2020

Enfoca: Private Equity in Peru

• Victoria Ivashina
• Jeffrey Boyar
• August 03, 2018

Indonesia's OJK: Building Financial Stability

• Lakshmi Iyer
• March 19, 2013

Introduction to Options

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Financial Crisis and the Revolutions of 1848 (A)

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• January 13, 2020

Gome: Bidding for China Paradise

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Valuation and Discounted Cash Flows

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Ensuring Your Family's Future: The Alagil Family Office

• Lauren H. Cohen
• Fares Khrais
• September 06, 2021

The Curious Case of Dell (B)

• Marshall Sonenshine
• March 07, 2014

Air Wars: Deregulating the U.S. Airline Industry

• Tom Nicholas
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• August 11, 2022

Summa Equity: Building Purpose-Driven Organizations

• David Freiberg
• November 15, 2017

Walt Disney Company's Yen Financing

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• William B. Allen
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European Bank for Reconstruction and Development: Marketing Strategy for the Debut Bond Offering

• Jeffrey Rayport
• July 07, 1993

BEA Associates: Enhanced Equity Index Funds

• Andre F. Perold
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Exchange-Traded Funds at Vanguard (A)

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Econometrics

Microeconomics, macroeconomics, international economics, financial economics, public economics, health, education, and welfare, labor economics, industrial organization, development and growth, environmental and resource economics, regional and urban economics, more from nber.

In addition to working papers , the NBER disseminates affiliates’ latest findings through a range of free periodicals — the NBER Reporter , the NBER Digest , the Bulletin on Retirement and Disability , the Bulletin on Health , and the Bulletin on Entrepreneurship  — as well as online conference reports , video lectures , and interviews .

Articles on Financial markets

Displaying 1 - 20 of 104 articles.

Stock indexes are breaking records and crossing milestones – making many investors feel wealthier

Alexander Kurov , West Virginia University

No one can predict how financial markets will behave with absolute certainty. Here’s why

Benoît Béchard , Université Laval

Grain as a weapon: Russia-Ukraine war reveals how capitalism fuels global hunger

Alicja Paulina Krubnik , McMaster University

How the Israel-Hamas war could affect the world economy and worsen global trade tensions

Daniele Bianchi , Queen Mary University of London

The US role in the global financial system is changing – here’s how it could affect the world’s economy

Steve Schifferes , City, University of London

ChatGPT-powered Wall Street: The benefits and perils of using artificial intelligence to trade stocks and other financial instruments

Pawan Jain , West Virginia University

What is insider trading? Two finance experts explain why it matters to everyone

Alexander Kurov , West Virginia University and Marketa Wolfe , Skidmore College

Plunging pound and crumbling confidence: How the new UK government stumbled into a political and financial crisis of its own making

David McMillan , University of Stirling

How bonds work and why everyone is talking about them right now: a finance expert explains

Why Black Wednesday still matters – it was the start of markets telling politicians what to do

Alexis Stenfors , University of Portsmouth

Russian debt default: two experts explain what it means for Russia and for global financial markets

Nasir Aminu , Cardiff Metropolitan University and Rodrigo Olivares-Caminal , Queen Mary University of London

Insights from Zimbabwe on how to link formal and informal economies

John Luiz , University of Cape Town

Five things that economists know, but sound wrong to most other people

Renaud Foucart , Lancaster University

Could better regulation reconcile trading and ethics?

Aziza Laguecir , EDHEC Business School and Bernard Leca , ESSEC

Ukraine and the financial markets: the winners and losers so far

Gabriella Legrenzi , Keele University ; Reinhold Heinlein , University of the West of England , and Scott Mahadeo , University of Portsmouth

What’s insider trading and why it’s a big problem

Humans v AI: here’s who’s better at making money in financial markets

Barbara Jacquelyn Sahakian , University of Cambridge ; Fabio Cuzzolin , Oxford Brookes University , and Wojtek Buczynski , University of Cambridge

Omicron and market sell-off : don’t be surprised if there’s more turbulence to come

Arturo Bris , International Institute for Management Development (IMD)

Mood, music and money: what our Spotify playlists reveal about the emotional nature of financial markets

Ivan Indriawan , Auckland University of Technology ; Adrian Fernandez-Perez , Auckland University of Technology ; Alexandre Garel , Audencia , and Alex Edmans , London Business School

What is decentralized finance? An expert on bitcoins and blockchains explains the risks and rewards of DeFi

Kevin Werbach , University of Pennsylvania

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Professor of Finance and Fred T. Tattersall Excellence in Finance Research Chair, West Virginia University

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retired, The University of Western Australia

Professor and Head, School of Business, Monash University

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Dynamics of Demand for Index Insurance: Evidence from a Long-Run Field Experiment

This paper estimates how experimentally-manipulated experiences with a novel financial product, rainfall index insurance, affect subsequent insurance demand. Using a seven-year panel, we develop three main findings. First, recent experience matters for demand, consistent with overinference from small samples. Second, spillovers also matter, in the sense that the recent payout experience of village co-residents affects insurance demand about as much as one's own recent payout experience. Third, the spillover effect decays as time passes while the effect of one's own experience does not. We discuss implications of this analysis for commercial sustainability of this complicated but promising risk management technology.

This paper estimates how experimentally-manipulated experiences with a novel financial product, rainfall index insurance, affect subsequent insurance demand. Using a seven-year panel, we develop three main findings. First, recent experience matters for demand, consistent with overinference from small samples. Second, spillovers also matter, in the...

Expectations of Returns and Expected Returns

We analyze time-series of investor expectations of future stock market returns from six data sources between 1963 and 2011. The six measures of expectations are highly positively correlated with each other, as well as with past stock returns and with the level of the stock market. However, investor expectations are strongly negatively correlated with model-based expected returns. The evidence is not consistent with rational expectations representative investor models of returns.

We analyze time-series of investor expectations of future stock market returns from six data sources between 1963 and 2011. The six measures of expectations are highly positively correlated with each other, as well as with past stock returns and with the level of the stock market. However, investor expectations are strongly negatively correlated...

• August 2014

Mortgage Convexity

Most home mortgages in the United States are fixed-rate loans with an embedded prepayment option. When long-term rates decline, the effective duration of mortgage-backed securities (MBS) falls due to heightened refinancing expectations. I show that these changes in MBS duration function as large-scale shocks to the quantity of interest rate risk that must be borne by professional bond investors. I develop a simple model in which the risk tolerance of bond investors is limited in the short run, so these fluctuations in MBS duration generate significant variation in bond risk premia. Specifically, bond risk premia are high when aggregate MBS duration is high. The model offers an explanation for why long-term rates could appear to be excessively sensitive to movements in short rates and explains how changes in MBS duration act as a positive-feedback mechanism that amplifies interest rate volatility. I find strong support for these predictions in the time series of US government bond returns.

Most home mortgages in the United States are fixed-rate loans with an embedded prepayment option. When long-term rates decline, the effective duration of mortgage-backed securities (MBS) falls due to heightened refinancing expectations. I show that these changes in MBS duration function as large-scale shocks to the quantity of interest rate risk...

• Working Paper

Financial Repression in the European Sovereign Debt Crisis

By the end of 2013, the share of government debt held by the domestic banking sectors of Eurozone countries was more than twice its 2007 level. We show that this type of increasing reliance on the domestic banking sector for absorbing government bonds generates a crowding out of corporate lending. For a given domestic firm, new debt is less likely to be a loan—i.e., the loan supply contracts—when local banks have purchased more domestic sovereign debt and when that debt is risky (as measured by CDS spreads). These effects are most pronounced in the period following the second Greek bailout in early 2010.

By the end of 2013, the share of government debt held by the domestic banking sectors of Eurozone countries was more than twice its 2007 level. We show that this type of increasing reliance on the domestic banking sector for absorbing government bonds generates a crowding out of corporate lending. For a given domestic firm, new debt is less likely...

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Our intellectual roots are based in a long line of scholars from Robert Merton whose collaborative work on risk management and option pricing won him the Nobel Prize in Economics in 1997, to John Lintner who co-created the Capital Asset Pricing Model and made significant contributions to dividend policy , and Gordon Donaldson whose work helped shape the field of corporate finance . We strive to understand how managers and firms make value-enhancing decisions; and how financial institutions, markets, and instruments contribute to this process. Our approach to research is distinguished by its unique combination of theory, empirical analysis, mathematical modeling, and field observations at companies.

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Give Employees Cash to Purchase Their Own Insurance

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How to conduct effective market research for financial services

Learn how to conduct market research for financial services like a pro with our comprehensive guide.

• The importance of market research for the financial services

How to do financial services market research

• How to make financial services market research

Getting started with market research for financial services

Market research for financial institutions faqs.

What’s one company type that seriously needs to revisit its old market research reports and keep up to date with the latest consumer trends? Financial service companies, of course. 

When the finance industry is full of old-school incumbents, the plucky fintechs snapping at their heels mean they really need to stay on the consumer pulse. 

If you’re a marketing or insights professional in the finance industry, this guide is for you. It’s the little push to get talking to your target audience again.

What we’ll dive into in this guide is first of all the importance of market research in financial services nowadays—because let’s face it, a lot has changed over the past few years, and the market is still adapting. 

Then we’ll cover how to conduct that market research effectively. We’ll give you some pointers and resources to use, and our market research top tips. 

Ready to get to know the financial services industry all over again? Let’s get started.

The importance of market research for the financial services industry

The financial industry has changed more than people often realise. Much of the recent changes started with a growing demand for simpler services. 

The industry’s answer to that was more digital services, but anyone who’s had a bank account for the past two decades knows that that was a struggle to get right for many banks. 

Why does this matter for market research? Because market research will dive into—at the very least—the following things: the evolving needs of your customers, and the technology that is available to meet it. 

Let’s specify the reasons why you should be conducting market research. 

The rise of fintech

Nowadays, even your grandparents know how to send money from their iPad. People have adopted digital forms of managing their finances in the blink of an eye, and fintech startups are popping up like wild mushrooms to keep up with the demand. 

In the wake of the Financial Crisis, trust in traditional banking, lending companies and investment services hit the floor, and consumers started to look elsewhere in the finance industry for providers that were right for them. As a result, many of those older financial service companies have added a fintech branch to their household names. 

Much like Diana Ross, the entire market is upside-down. Add to that an era-defining global pandemic, and you can see the clear shift in the financial services industry:

• 23% of consumers in 28 countries today already have a digital-only bank account
• Digital banking adoption is expected to grow to around 70% in the future
• There’s a potential market size of 1.4 billion customers

Our own research finds 45% of UK consumers are considering opening a new digital bank account in the next six months. 

This all means there’s huge competition in the financial services industry, and financial services providers really need to find their competitive advantage and understand market trends to win the battle for the customer. 

There’s a lot of money to be made 

The financial services industry is one that has been extremely digitally disrupted in recent years. AI and other tech has made their processes, and those of their customers, a lot easier and more impactful. 

Investors are latching on to this growing industry. The fintech market is expected to grow at a compound annual growth rate (CAGR) of around 20% and reach around $305 billion by 2025. 

Unsurprisingly, incumbents are now actively investing, acquiring, and collaborating. With market research, you can present them with a clear proposal and pitch to get the big bucks on your side. 

But entering the market is extremely difficult

We’ve asked around (aka we ran some robust market research through the Attest platform), and it turns out that even though people are looking for digital solutions, they won’t just jump to anyone. Consumers are unlikely to simply start using an entirely unknown financial brand

When we asked them how likely they are to use a financial brand they haven’t heard of before, across all demographics the results were:

• Very likely – 12%
• Quite likely 26%
• Not very likely – 39%
• Not at all likely – 22%

That’s 61% of people saying they’re unlikely to use a financial brand that’s new to them. So if you’re a startup looking to enter the market of financial services, better do your market research and perfect your product, messaging and delivery.

Curious to find out whether it makes a difference if a new player pairs up with a household name? Read our entire research , and add it to your own later! 

The users of financial services aren’t who they once were

With the cashless society we’re in, even the younger generations now need access to digital financial services. 

No more pocket money, but more and more Apple watches that pay for their coffee. And an app to go with that too, please, so they know how many of those drinks they can have this week. 

Generation Z 

Tech-savvy millennials and older generations are no longer the only ones occupying the market of financial services. Gen Z is making its entrance, and they shouldn’t be overlooked. 

Chances are, they won’t walk into the bank on the corner and open up an account. They have different needs and buying processes, and that’s precisely what market research will reveal to you, so you can adapt accordingly. 

The customer base is finally becoming more diversified

The shift in the target audience doesn’t only have something to do with age and generation, however. Research from N26 has shown that there’s a noticeable shift in user demographics when it comes to digital banking. 

While the majority of digital-only adopters are still higher-income earners, male, and aged 25 to 44 years, the study shows that the middle class is starting to cover more ground—in Spain, for example, where 55% of digital-only customers have medium incomes.

And it’s not just income either—the gap between genders is also closing. Take Brazil for example, which is the first country with more female digital banking customers than male (52% female vs. 48% male customers).

Women becoming more and more financially independent and choosing financial services, is crucial to take into account when you’re doing market research.

Gig Economy Workers

You might want to focus your market research on a very specific, often overlooked target group: gig economy workers. 

Once a high-risk demographic, they are now becoming more and more accepted by financial institutions, but still the right services often are lacking. 

It’s expected that half of the US population will be part of the gig economy by 2028, so fire up your market research now and find ways to monetize this opportunity.

Financial products and services are often perceived as complicated.

Even if they aren’t. That’s because they are presented as if they are difficult and dangerous, often by people who haven’t done market research since the 90s.

Financial institutions often lack the language to make their services look attractive, and that’s because they lack the knowledge of their target audience. 

If you start conducting market research, you will find out what financial challenges you’re actually helping someone tackle, and how to communicate that clearly and in an attractive way. 

How GoCardless harnessed consumer insights to launch truly impactful products

Learning about consumers’ payment challenges has enabled GoCardless to increase the effectiveness of sales and marketing conversations

Time to get down to business: how do you conduct market research for financial service companies in a way that will leave you with real valuable information.  

We’ll cover both primary and secondary research and point you in the right direction when it comes to tools and other handy tips.

Primary financial market research

For customer-focused market research, it’s crucial that you go straight to the source: talk to your target audience. 

With primary financial market research, we mean anything from interviews to observations. Here are some ideas.

Online surveys

It can take your respondents only a minute to respond, and you immediately get to process all the information: online surveys are our top pick when it comes to market research in the financial service industry. 

No need to worry about finding the right people to survey: Attest has such a big pool of respondents—125m in 58 countries—that you’re sure to pick the right people, for super relevant data.

We’ll even help you get started with our market research template . Tailor it to fit your specific research questions and start collecting results in minutes! 

Learn how to tap into consumer insights for financial services

Understand what compels customers to open accounts, spend in new ways and invest intelligently

Observations

No need to don a disguise and sit in a bank’s waiting area for this one (unless you really want to): you can easily do this online. Simply monitor how people are moving on your website. What pages are they looking at before purchasing? 

What place on your website is the one where most people abort the mission? This kind of first-hand information can give you great insights into the online shopping behaviour of your target audience, and you’re very likely to find out how to improve either your website or your content. 

Focus groups

Watching a discussion unfold about a certain topic often brings businesses great insights. You can use focus groups to get specific questions answered, or at the start of your research to find out what topic needs most research, based on what your target audience is talking about. 

What misconceptions do they have about your service? Who are they considering and why? Let the discussion begin!

Really want to get to the core of your customers’ challenges? Sit them down for a one-to-one interview. 

This is often a great tool to use when following up after a survey or conversation round, to put your newly learned insights into perspective.

Put a lot of extra thought into finding the right people

A man, aged 50-60, can be both Jay-Z and Matthew Perry, and they are pretty different, so make your target audience a lot more specific than that. 

If you’re doing marketing research, you want to weed out all the people that don’t fit your actual buyer persona, so also think about who doesn’t fit the bill within the larger context of your target audience, and keep this into account when analysing the results of your primary market analysis. 

Quantitative market research

Quantitative market research focuses on things you can measure. For financial services providers, numbers are everything—so don’t miss out on this part of your research.

Quantify how big your target group really is, what they are willing to spend and the way these numbers have developed over time.

Qualitative market research

With the qualitative part of your research, you put the numbers in perspective. Sure, it’s great to know 5,000 people are willing to spend 5€ in theory, but what messaging and words do they need to read first to be convinced to do so?

What channels can you find them on? What types of services are they interested in: advice, or financial planning? Do they want to talk to their financial advisors on the phone, or face-to-face? 

What type of customer support are they looking for from a financial services provider, and what other extras on top of your service will make them loyal? This is what will help you put your market insights to use. 

Secondary financial market research

If you’re hunting for some great sources on the financial market, keep an eye on our insights on the fintech market: we have some articles readily available to you with our own research. 

Here are some articles you’d might like:

• Green finance: consumers not yet sold on sustainability
• How to master global expansion like Klarna
• How to get started in consumer research for FinTech startups
• Do financial partnerships drive consumer trust?
• Why do UK consumers love neobanks?
• How close is the UK to becoming a cashless society?
• The payment tech most-wanted by British consumers
• British consumers are ready to embrace a cashless future
• How US consumers will be won over by cryptocurrencies

You can also use recent and relevant industry reports, and up-to-date statistics sites. Always make sure that your sources are relevant and recent, and check who wrote it—you don’t want someone who’s biased or has something to gain from it leading your research. 

Double-check your sources and don’t hesitate to reach out to industry experts directly to get their opinion!

How to make financial services market research data actionable?

Get the right people around the table, and turn nice-to-know information into actionable insights. 

At the end of the day, you want your market research efforts to pay off. Not just with a nice report on the desk of your CEO, but with a strategic, actionable plan that has been set in motion and is being monitored closely.  

You conduct market research to learn what you can do better, and how—and then you go do it!

Before you even get started with your research, it’s crucial that you have a clear goal in mind: this research will not just answer, but also put things in action. 

Be willing to have it influence ideas you might have had in your head for a while—the real world will be doing the talking from now on.

We also recommend getting decision-makers involved in the research process. Not just knowing it’s being conducted, but give them a seat at the table when you’re defining the goals and the roads to take. 

This will ensure that when the results start coming in, they are up to speed and now what actions will have to be taken. 

Get finance industry insights and data with Attest—fast

If you’re looking for a reliable way to reach a lot of people at the same time, who fit your target group specifics to a T—use Attest. 

Whether you’re an established bank looking to track your brand health or a fintech start up still creating a consumer profile, we’ve got you covered: you get access to 125 million people across 58 countries and can use our filters and quotas to make it as niche as you need.

Market research for the financial industry investigates consumer behaviour and market trends such as the rise of fintech and the evolving needs consumers have, like more digital products. This information fuels decision-making processes for financial services companies.  Attest  is here to power your marketing decisions with real consumer data.

Not to toot our own horn, but we really recommend  Attest  and have seen customers get great results. It’s fast, reliable, simple to use and laser-focused when it comes to audience selection. Try our  market analysis template  to get started!

If you want to reach a lot of people and ask them very specific questions, plus analyse the results superfast, surveys are the way to go. 

The market of financial services has changed enormously over the past few years, and the pandemic has boosted the need for innovation. The rise of fintech and demand for digital products makes it vital that you understand your customers even better than ever. 

Fintech Digest

Download our digital magazine for the latest fintech insight, interviews and more. The consumer trends and business stories you need to know for fintech success.

Customer Research Lead 

Nick joined Attest in 2021, with more than 10 years' experience in market research and consumer insights on both agency and brand sides. As part of the Customer Research Team team, Nick takes a hands-on role supporting customers uncover insights and opportunities for growth.

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Top 140 Finance Research Paper Topics

Why finance topics? The search for interesting finance topics is a constant one. Of course, this is understandable because knowledge of hot topics in finance puts you ahead of the game. Students or researchers who major in business will, at one point or the other in their careers, make presentations, and submit research papers, essays,or help with dissertation or projects. With the headache of writing these papers aside, the challenge of picking finance topics always looms around. We have, therefore, carried out extensive research to present you with these 30 finance topics that will make your paper worth reading! When in doubt, this list of finance topics will surely come in handy to shed some light on that darkness!

Finding Excellent Topics in Finance

We offer you 30 researchable topics in finance. But why should we only catch fish for you if we can teach you how to fish too? The need to find unique topics in finance is on the increase. Here are some excellent tips that will help you choose appropriate finance topics:

• Find out unanswered questions from previous research works or develop on areas that require additional study.
• Read several theses to form ideas.
• Check economics topics . They may be more general but you can narrow down some of them.
• Search online for related topics that are unique, or make them unique to suit your purpose.
• Discuss your chosen topic with other students or people who have experience writing dissertations asking for their input.

Research Topics In Finance

In financial research, unique topics are pivotal to the overall success of the study. The reason for this is simple. Now put yourself in the shoes of professors who have read hundreds of theses and essays. They already know common topics that students like to write or work on. A hot research topic in finance will surely catch the attention of your professor and will likely earn you better grades. Writing finance research papers becomes much easier when you have superb finance research topics.

Here is a finance research topics list that will spark people’s interest in your research work and make your finance research paper worth reading! Ready for these research topics in finance? Read on!

• Merger and Acquisition: An Analytical Study of the Benefits and Set-backs.
• Capital Asset Pricing Model: Possible Solutions to its Inadequacies.
• Global Financial Crisis: A Critical Study of the Role of Auditors and Stakeholders.
• The Impact of Manipulating the Commodity Market on Future Commerce.
• Continuous-time Models: An exhaustive Comparative Analysis of its Application in Divers financial Environments.
• How Speculations Undermine the Stability of Banking in Asian Markets.
• Branding: Its Effect on Consumer Behavior.
• An effective strategy for managing inventory and controlling your budget.
• An analytical report on the various investments in tax-saving products.
• Using a systematic investment strategy to build stability for retail investments.
• How income tax is planned and implemented in India’s economy.
• A detailed analysis of how the Indian banking system operates.
• How does multi-level marketing work in different economies around the world?
• A detailed report on electronic payment and how it can be improved.
• A case study regarding senior citizen investment portfolios.
• Are there potential risks and rewards when comparing savings to investments?
• Is ratio analysis an effective component of financial statement analysis?
• How the Indian economy functions with its current banking operations.

Finance Research Topics For MBA

Here are some great finance research topics you can use toward your MBA. It’s sure to intrigue your professor and get you to look at finance from a different perspective.

• Investment analysis of a company of your choice.
• A detailed report on working capital management.
• Financial plans and considerations for saving taxes and salaried employees.
• A detailed analysis of the cost and costing models of the company of your choice.
• The awareness of investments in financial assets and equity trading preference with financial intermediaries.
• The perspective of investors and their involvement with life insurance investments.
• A detailed analysis of the perception of mutual fund investors.
• The comparative study between UIL and the traditional products.
• A detailed report on how the ABC company manages cash.

Corporate Risk Management Topics

These are some key topics you can use relating to corporate risk management.

• A detailed report on the fundamentals of corporate risk management.
• The analytical concepts relating to effective corporate and financial management within a company.
• How does corporate risk management affect the financial market and its products?
• What are risk models and how are they evaluated?
• How is market risk effectively measured and managed in today’s economy?
• How can a company be vigilant of potential credit risks they can face?
• What are the differences between operational and integrated risks in the corporate world?
• Is liquidity an effective strategy to lower financial risk to a company?
• How risk management can connect with and benefit investment management.
• The current issues that are affecting the modern marketplace and the financial risks they bring.

Healthcare Finance Research Topics

These are some key topics you can use relating to healthcare finance research.

• Is it better for the government to pay for an individual’s healthcare?
• The origins of healthcare finance.
• An analysis of Canada and their healthcare finance system.
• Is healthcare financing a right or a privilege?
• The changing policies of healthcare in the U.S.
• Can healthcare be improved in first-world countries?
• Can the healthcare system be improved or remade?
• How much influence does the government have on healthcare in a country?
• The impact of growing global health spending.
• Is free healthcare achievable worldwide?

Corporate Finance Topics

Corporate finance deals with processes such as financing, structuring of capital, and making investment decisions. It seeks to maximize shareholder value by implementing diverse strategies in long and short-term financial planning.

Corporate finance research topics broadly cover areas like tools for risk management, trend research in advanced finance, physical and electronic techniques in securities markets, research trends in advance finance, investment analysis, and management of government debt. The following corporate finance topics will surely minimize any risk of mistakes!

• Using the Bootstrapped Interest Rates to Price Corporate Debt Capital Market Instruments.
• Corporate Organizations: The Impact of Audit Independence on Accountability and Transparency.
• Buybacks: A Critical Analysis of how Firms can Buy Back at Optimal Prices.
• Merge and Acquisitions: Reasons why Firms still Overpay for bad Acquisitions.
• Corporate Finance: Ethical Concerns and Possible Solutions.
• Understanding the investment patterns relative to smaller and medium-capitalization businesses.
• A detailed analysis of the different streams of investment relating to mutual funds.
• Equity investors and how they manage their portfolios and perception of potential risks.
• How does investor preference operate in the commodity market in Karvy Stock Broking Limited?
• An analysis of the performance of mutual funds in the public and private sectors.
• Understanding how Videcon manages its working capital.
• The Visa Port trust and how it conducts ratio analysis.
• How the gold monetization scheme has affected the Indian economy and banking operations.
• How does SWIFT work and what are the potential risks and rewards?
• A detailed analysis of the FMC and SEBI merger.

Business Finance Topics

Every decision made in a business has financial implications. It is, therefore, essential that business people have a fundamental understanding of finance. To show your knowledge, you must be able to write articles on finance topics in areas such as financial analysis, valuation, management, etc. Here are some juicy business finance topics!

• Application of Business Finance: Its importance to the Business Sector.
• The Importance of Business Finance in the Establishment of Business Enterprises.
• Modernization of Business: Roles of Business Finance in Business Modernization.
• A detailed study on providing financial aid to self-help groups and projects.
• Is tax an effective incentive for selling life insurance to the public?
• Understanding how the performance of mutual funds can change within the private and public sectors.
• Is there a preference for different investment options from financial classes?
• A detailed analysis of retail investors and their preferences and choices.
• A study on investors and their perspective on investing in private insurance companies.
• How analyzing financial statements can assess a business’s performance.
• Increasing the accountability of corporate entities.
• Ethical concerns connected to business finance and how they can be managed.
• The level of tax paid by small to medium businesses.

International Finance Topics

As the world is now a global village, business transactions occur all around the world. No more are we limited to local trade, and this is why the study of international is essential and relevant. Here are some international finance topics that will suit your research purpose!

• Stock Exchange: How Important are the Functions of a Bank Office?
• Global Economic Crises: Possible Precautions to prevent Global Financial crisis.
• Bond Rating: the Effect of Changes on the Price of Stocks.
• How the Banking Industry can Decrease the Impact of Financial Crisis.
• Is it possible for a country to budget funds for healthcare for the homeless?
• The negative impact of private healthcare payments on impoverished communities.
• What sectors in healthcare require more funding at the moment?
• The dilemma of unequal access to adequate healthcare in third world countries.
• Can cancer treatment be more inexpensive to the public?
• The problem with the high pricing of medication in the U.S.
• Is there a better way to establish healthcare financing in the U.S?
• What are the benefits of healthcare finance systems in Canada and the UK?
• How can third-world countries improve their healthcare systems without hurting their economy?
• Is financing research a priority in healthcare and medicine?
• Does free healthcare hurt the tax system of a country?
• Why is free and privatized healthcare present in different economies?
• How does government funding affect healthcare finance systems?
• How do patient management systems work?
• Where does affordable healthcare financing fit in growing economies?
• The economic impact of COVID-19 in various countries.
• The healthcare policies of the Serbian government.

Finance Research Paper Ideas

Writing a research paper requires an independent investigation of a chosen subject and the analysis of the remarkable outcomes of that research. A finance researcher will, therefore, need to have enough finance research paper topics from which to choose at his fingertip. Carefully selecting a finance thesis topic out of the many finance research papers topics will require some skill. Here are some exciting finance paper topics!

• Behavioral Finance versus Traditional Finance: Differences and Similarities.
• Budgetary Controls: The Impact of this Control on Organizational performance.
• Electronic Banking: The Effect of e-Banking on Consumer Satisfaction.
• Credit and Bad Debts: Novel Techniques of management in commercial Banks.
• Loan Default: A Critical Assessment of the Impact of Loan Defaults on the Profitability of Banks.
• A detailed analysis of the best risk management methods used in the manufacturing industry.
• Identifying and measuring financial risks in a derivative marketplace.
• Exploring the potential risks that can occur in the banking sector and how they can be avoided.
• The risks that online transactions bring.
• What are the methods used to ensure quantitive risk management is achieved?
• A better understanding of policy evaluation and asset management.
• What makes traditional finance so different from behavioral?
• The significance of budgetary control in a corporate organization.
• How do loans benefit the profitability of banks?
• How do commercial banks assist their clients that are in bad debt?
• The various considerations we need to be aware of before making investment decisions.

Personal Finance Topics

Personal finance covers the aspects of managing your money, including saving and investing. It comprises aspects such as investments, retirement planning, budgeting, estate planning, mortgages, banking, tax, and insurance. Researching in this area will surely be of direct impact on the quality of living. Here are some great personal finance topics that are eager to have you work on them!

• Evaluation of Possible Methods of Saving while on a Budget.
• The Effect of Increase in Interest Rate and Inflation on Personal Finance.
• Benefits of Working from Home to both Employers and Employees.
• Will dental services be considered an essential medical service soon?
• Is affordable or free healthcare a right that everyone should be entitled to?
• The best ways to save money while on a tight budget.
• What happens to personal finance when inflation and interest rates rise?
• The financial benefits of working from home.
• Does innovations in personal finance act as an incentive for households to take risks?
• A detailed analysis of credit scores.
• The importance of credit and vehicle loans.
• A detailed analysis of employee benefits and what should be considered.
• The effect of tax on making certain financial decisions.
• The best ways to manage your credit.
• The difficulties that come with mobile banking.

Finance Topics For Presentation

Sometimes, you may need to present a topic in a seminar. The idea is that you can whet the appetite of your audience with the highlights of your subject matter. Choosing these finance seminar topics requires a slightly different approach in that you must be thoroughly familiar with that topic before giving the presentation. Interesting and easy-to-grasp finance topics are, therefore, necessary for presentations. Here are some topic examples that fit perfectly into this category.

• Analysis of the Year-over-Year Trend.
• Maximizing Pension Using Life Insurance.
• The Architecture of the Global Financial System.
• Non-communicable diseases and the burden they have on economies.
• Is there a connection between a country’s population and its healthcare budget?
• The spending capability of medical innovations in a third-world economy.
• The long-term effects of healthcare finance systems in the U.S.
• A detailed analysis of pharmaceutical marketing in eastern Europe.
• Understanding the reduction in medical expenses in Greece.
• Private payment for healthcare in Bulgaria.
• A complete change in healthcare policy worldwide. Is it necessary?
• The significance of electronic banking on the public.
• The evolution of banking and its operations.

So here we are! Surely, with this essay on finance topics that you have read, you’ll need only a few minutes to decide your topic and plunge into proper research! If you need professional help, don’t hesitate to contact our economics thesis writers .

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Research topics for finance 2023

Research topics for finance 2023.

Finance is the study of money management. The economy runs the world, and financial decisions are made on a daily basis. Currency, loans, bonds, shares, and stocks are all banked, invested, and insured. From small start-ups to large multinational corporations (MNCs), everyone needs finance expertise for insurance and tax reporting. Emerging technologies are constantly changing the way people interact with money, and financial institutions gain from block chain, artificial intelligence and machine learning, cloud banking, and robotic process automation (RPA).

Are you prepared to be on the cutting edge of knowledge? With the help of our innovative platform, Latest research Topics, stay informed and involved. We keep you abreast of developments in today's quick-paced world by bringing you the most recent Ph.D. Topics examples on a variety of domains

As finance & economics is the most in-demand subject, choosing a topic for in-depth research might be difficult. PhD Assistance may assist you in selecting a topic in finance from a broad array of application industries and study latest technology that financial sector use.

• A topic modelling approach to machine learning in finance
• Dynamic topic networks to evaluate systemic risk in financial markets
• Power dynamics in infrastructure public-private partnerships financing
• A systematic review of Fintech developments and ramifications in Islamic Finance
• A study on Risk evaluation of blockchain-powered supply chain financing research
• Impact of privatization on of banks efficiency and profitability: Role of privatisation.
• Stock prices, and cash supply cycle.
• Creating self-employment and financial independence: Contrasting micro-finance banks, micro-finance institutions and their rural support campaigns.
• CAPM validation in guessing stock values in Bombay stock exchange.
• Using the evidence from the sugar industry and related industries to know stock returns and other basic variables.
• Sales price, debt equity, book, and organization size—which of these are an apt barometer of stock exchange returns.
• Mutual funds, their attributes, their performance in the UK.
• What are the optimal debt and equity ratio in various funds?
• Stock returns on capital market investments.
• Relation between return on investment and price-earning ratio.
• A study on price-earnings ratio to guess future growth patterns.
• How dividend pay-out ratio is impacted by the factor’s effect?
• Price-earnings ratio and growth—what’s the relation?
• Studying the relation between dividends and company’s earning in wheat processing industry in the UK.
• Mutual fund’s performance indicators and size of funds.
• Automobile sector in the UK and how the capital structure is determined.
• What factors contribute to a decision on mutual fund investment?
• Forecasting stock price through a model of dividend discount. A study on building industry.
• How macroeconomic variables impact stock sector of UK.
• Mutual fund performance assessment.
• Studying the stock returns by comparing sales price, debt-equity, and book market value.
• Investment spending in the building industry and cash flow. What is the relationship?
• Studying price-earnings ratio in calculating growth
• Impact of free cash flow in a firm’s investment.
• Long-haul performance of IPO’s in the UK. An empirical analysis
• Investment policy and financial leverage.
• Future developments in financial reinforcement learning Techniques
• Structure of the board of directors and the composition’s impact on an organization’s performance.
• How taxation affects an organization’s dividend payout ratio?
• Islamic (Ijara contract) financing and its client satisfaction percentage.
• How mergers and acquisitions affect the firm’s performance in the building sector?
• Causes of changes in price to earnings ratio.
• Share price fluctuations and reasons for fluctuations.
• Stock price, economic variables such as interest rate, inflation, and GDP.
• How profitability is impacted by capital structure.
• How a banks’ profitability is affected by interest rate changes.
• The rate of inflation and stock market returns. Is there a connection?
• Stock price volatility versus Dividend policy.
• Pharma sector and what determines the capital structure.
• Stock’s returns and how it is affected by leverage?
• Factors that forecast mutual fund’s performance in the UK.
• Results of various traits that lead to acquisitions and mergers in the UK.
• Factors impacting leverage in concrete sector industry in the UK.
• How the bank’s profitability is affected by liquidity?
• Free cash flows and investment in the textile sector in the UK. Is there a connection?
• How working capital impacts a firm’s revenue and profits? Study of UK concrete sector.
• Is there a connection between capital structure and corporate strategy?
• Judging the profitability factors of Islamic banking in UAE.
• Does turnover affect inflation?
• Is the investment decision affected by dividend?
• Study of assets and liabilities in balance sheets of various firms.
• The fiscal policy’s impact on the economy of India.
• Bond market capitalization in Australia. What are the factors?
• CPI and bond price. Is there a connection?
• A literature review on Future Applications of financial instruments 2023

In conclusion, know the statistical techniques and data collection methods before deciding upon a topic.

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50 Best Finance Dissertation Topics For Research Students 2024

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Finance Dissertation Made Easier!

Embarking on your dissertation adventure? Look no further! Choosing the right finance dissertation topics is like laying the foundation for your research journey in Finance, and we're here to light up your path. In this blog, we're diving deep into why dissertation topics in finance matter so much. We've got some golden writing tips to share with you! We're also unveiling the secret recipe for structuring a stellar finance dissertation and exploring intriguing topics across various finance sub-fields. Whether you're captivated by cryptocurrency, risk management strategies, or exploring the wonders of Internet banking, microfinance, retail and commercial banking - our buffet of Finance dissertation topics will surely set your research spirit on fire!

What is a Finance Dissertation?

Finance dissertations are academic papers that delve into specific finance topics chosen by students, covering areas such as stock markets, banking, risk management, and healthcare finance. These dissertations require extensive research to create a compelling report and contribute to the student's confidence and satisfaction in the field of Finance. Now, let's understand why these dissertations are so important and why choosing the right Finance dissertation topics is crucial!

Why Are Finance Dissertation Topics Important?

Choosing the dissertation topics for Finance students is essential as it will influence the course of your research. It determines the direction and scope of your study. You must make sure that the Finance dissertation topics you choose are relevant to your field of interest, or you may end up finding it more challenging to write. Here are a few reasons why finance thesis topics are important:

1. Relevance

Opting for relevant finance thesis topics ensures that your research contributes to the existing body of knowledge and addresses contemporary issues in the field of Finance. Choosing a dissertation topic in Finance that is relevant to the industry can make a meaningful impact and advance understanding in your chosen area.

2. Personal Interest

Selecting Finance dissertation topics that align with your interests and career goals is vital. When genuinely passionate about your research area, you are more likely to stay motivated during the dissertation process. Your interest will drive you to explore the subject thoroughly and produce high-quality work.

3. Future Opportunities

Well-chosen Finance dissertation topics can open doors to various future opportunities. It can enhance your employability by showcasing your expertise in a specific finance area. It may lead to potential research collaborations and invitations to conferences in your field of interest.

4. Academic Supervision

Your choice of topics for dissertation in Finance also influences the availability of academic supervisors with expertise in your chosen area. Selecting a well-defined research area increases the likelihood of finding a supervisor to guide you effectively throughout the dissertation. Their knowledge and guidance will greatly contribute to the success of your research.

Writing Tips for Finance Dissertation

A lot of planning, formatting, and structuring goes into writing a dissertation. It starts with deciding on topics for a dissertation in Finance and conducting tons of research, deciding on methods, and so on. However, you can navigate the process more effectively with proper planning and organisation. Below are some tips to assist you along the way, and here is a blog on the 10 tips on writing a dissertation that can give you more information, should you need it!

1. Select a Manageable Topic

Choosing Finance research topics within the given timeframe and resources is important. Select a research area that interests you and aligns with your career goals. It will help you stay inspired throughout the dissertation process.

2. Conduct a Thorough Literature Review

A comprehensive literature review forms the backbone of your research. After choosing the Finance dissertation topics, dive deep into academic papers, books, and industry reports, gaining a solid understanding of your chosen area to identify research gaps and establish the significance of your study.

3. Define Clear Research Objectives

Clearly define your dissertation's research questions and objectives. It will provide a clear direction for your research and guide your data collection, analysis, and overall structure. Ensure your objectives are specific, measurable, achievable, relevant, and time-bound (SMART).

4. Collect and Analyse Data

Depending on your research methodology and your Finance dissertation topics, collect and analyze relevant data to support your findings. It may involve conducting surveys, interviews, experiments, and analyzing existing datasets. Choose appropriate statistical techniques and qualitative methods to derive meaningful insights from your data.

5. Structure and Organization

Pay attention to the structure and organization of your dissertation. Follow a logical progression of chapters and sections, ensuring that each chapter contributes to the overall coherence of your study. Use headings, subheadings, and clear signposts to guide the reader through your work.

6. Proofread and Edit

Once you have completed the writing process, take the time to proofread and edit your dissertation carefully. Check for clarity, coherence, and proper grammar. Ensure that your arguments are well-supported, and eliminate any inconsistencies or repetitions. Pay attention to formatting, citation styles, and consistency in referencing throughout your dissertation.

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Finance Dissertation Topics

Now that you know what a finance dissertation is and why they are important, it's time to have a look at some of the best Finance dissertation topics. For your convenience, we have segregated these topics into categories, including cryptocurrency, risk management, internet banking, and so many more. So, let's dive right in and explore the best Finance dissertation topics:

Dissertation topics in Finance related to Cryptocurrency

1. The Impact of Regulatory Frameworks on the Volatility and Liquidity of Cryptocurrencies.

2. Exploring the Factors Influencing Cryptocurrency Adoption: A Comparative Study.

3. Assessing the Efficiency and Market Integration of Cryptocurrency Exchanges.

4. An Analysis of the Relationship between Cryptocurrency Prices and Macroeconomic Factors.

5. The Role of Initial Coin Offerings (ICOs) in Financing Startups: Opportunities and Challenges.

Dissertation topics in Finance related to Risk Management

1. The Effectiveness of Different Risk Management Strategies in Mitigating Financial Risks in Banking Institutions.

2. The Role of Derivatives in Hedging Financial Risks: A Comparative Study.

3. Analyzing the Impact of Risk Management Practices on Firm Performance: A Case Study of a Specific Industry.

4. The Use of Stress Testing in Evaluating Systemic Risk: Lessons from the Global Financial Crisis.

5. Assessing the Relationship between Corporate Governance and Risk Management in Financial Institutions.

Dissertation topics in Finance related to Internet Banking

1. Customer Adoption of Internet Banking: An Empirical Study on Factors Influencing Usage.

Enhancing Security in Internet Banking: Exploring Biometric Authentication Technologies.

2. The Impact of Mobile Banking Applications on Customer Engagement and Satisfaction.

3. Evaluating the Efficiency and Effectiveness of Internet Banking Services in Emerging Markets.

4. The Role of Social Media in Shaping Customer Perception and Adoption of Internet Banking.

Dissertation topics in Finance related to Microfinance

1. The Impact of Microfinance on Poverty Alleviation: A Comparative Study of Different Models.

2. Exploring the Role of Microfinance in Empowering Women Entrepreneurs.

3. Assessing the Financial Sustainability of Microfinance Institutions in Developing Countries.

4. The Effectiveness of Microfinance in Promoting Rural Development: Evidence from a Specific Region.

5. Analyzing the Relationship between Microfinance and Entrepreneurial Success: A Longitudinal Study.

Dissertation topics in Finance related to Retail and Commercial Banking

1. The Impact of Digital Transformation on Retail and Commercial Banking: A Case Study of a Specific Bank.

2. Customer Satisfaction and Loyalty in Retail Banking: An Analysis of Service Quality Dimensions.

3. Analyzing the Relationship between Bank Branch Expansion and Financial Performance.

4. The Role of Fintech Startups in Disrupting Retail and Commercial Banking: Opportunities and Challenges.

5. Assessing the Impact of Mergers and Acquisitions on the Performance of Retail and Commercial Banks.

Dissertation topics in Finance related to Alternative Investment

1. The Performance and Risk Characteristics of Hedge Funds: A Comparative Analysis.

2. Exploring the Role of Private Equity in Financing and Growing Small and Medium-Sized Enterprises.

3. Analyzing the Relationship between Real Estate Investments and Portfolio Diversification.

4. The Potential of Impact Investing: Evaluating the Social and Financial Returns.

5. Assessing the Risk-Return Tradeoff in Cryptocurrency Investments: A Comparative Study.

Dissertation topics in Finance related to International Affairs

1. The Impact of Exchange Rate Volatility on International Trade: A Case Study of a Specific Industry.

2. Analyzing the Effectiveness of Capital Controls in Managing Financial Crises: Comparative Study of Different Countries.

3. The Role of International Financial Institutions in Promoting Economic Development in Developing Countries.

4. Evaluating the Implications of Trade Wars on Global Financial Markets.

5. Assessing the Role of Central Banks in Managing Financial Stability in a Globalized Economy.

Dissertation topics in Finance related to Sustainable Finance

1. The impact of sustainable investing on financial performance.

2. The role of green bonds in financing climate change mitigation and adaptation.

3. The development of carbon markets.

4. The use of environmental, social, and governance (ESG) factors in investment decision-making.

5. The challenges and opportunities of sustainable Finance in emerging markets.

Dissertation topics in Finance related to Investment Banking

1. The valuation of distressed assets.

2. The pricing of derivatives.

3. The risk management of financial institutions.

4. The regulation of investment banks.

5. The impact of technology on the investment banking industry.

Dissertation topics in Finance related to Actuarial Science

1. The development of new actuarial models for pricing insurance products.

2. The use of big data in actuarial analysis.

3. The impact of climate change on insurance risk.

4. The design of pension plans that are sustainable in the long term.

5. The use of actuarial science to manage risk in other industries, such as healthcare and Finance.

Tips To Find Good Finance Dissertation Topics 

Embarking on a financial dissertation journey requires careful consideration of various factors. Your choice of topic in finance research topics is pivotal, as it sets the stage for the entire research process. Finding a good financial dissertation topic is essential to blend your interests with the current trends in the financial landscape. We suggest the following tips that can help you pick the perfect dissertation topic:

1. Identify your interests and strengths 

2. Check for current relevance

3. Feedback from your superiors

4. Finalise the research methods

5. Gather the data

6. Work on the outline of your dissertation

7. Make a draft and proofread it

In this blog, we have discussed the importance of finance thesis topics and provided valuable writing tips and tips for finding the right topic, too. We have also presented a list of topics within various subfields of Finance. With this, we hope you have great ideas for finance dissertations. Good luck with your finance research journey!

Frequently Asked Questions

How do i research for my dissertation project topics in finance, what is the best topic for dissertation topics for mba finance, what is the hardest finance topic, how do i choose the right topic for my dissertation in finance, where can i find a dissertation topic in finance.

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WASHINGTON, D.C., April 3, 2024 – The World Bank (International Bank for Reconstruction and Development, IBRD, Aaa/AAA) today priced two Sustainable Development Bonds, raising a total of USD 6 billion from a USD 3 billion 2-year bond maturing in April 2026 and a USD 3 billion 7-year bond maturing in April 2031.

The transactions attracted over 260 orders totaling more than USD 12.7 billion. The dual tranche format, with points on the short and longer end of the yield curve, drew a globally diverse and broad base of fixed income investors and their investment strategies.  As is common with World Bank benchmark transactions, leading investor groups included central banks and official institutions, including sub-national and municipal entities, as well private sector investors including bank treasuries, pension funds, insurance companies and asset managers.

HSBC Bank plc, J.P. Morgan Securities plc, Merrill Lynch International, Wells Fargo Securities, LLC are the lead managers for both transactions. The bonds will be listed on the Luxembourg Stock Exchange.

The 2-year tranche priced at a spread versus the reference US Treasury of +8.5 basis points, resulting in a semi-annual yield of 4.764%, and the 7-year tranche priced at a spread versus the reference US Treasury of +15.3 basis points, resulting in a semi-annual yield of 4.521%.   

“This dual tranche transaction mobilized over 260 investor orders, demonstrating the wide breadth and depth of support that we enjoy from capital markets investors” said Jorge Familiar Vice President and Treasurer, World Bank .  “ This globally diverse stakeholder group is very important to the World Bank by providing financial support for its efforts to end extreme poverty and boost prosperity on a livable planet.”

Investor Breakdown by Type

Investor Breakdown by Geography

Lead Manager Quotes

“Congratulations to the World Bank team, returning to the bond market with a dual-tranche transaction and printing an impressive USD 3 billion 2-year and USD 3 billion 7-year bond on the back of a combined orderbook over USD 12.7 billion. This high-quality investor support allowed for their largest issuance since April 2021 and the largest USD dual tranche to date,” said Adrien de Naurois, Head of EMEA IG Syndicate, BofA Securities / Merrill Lynch International.

“Today’s US dollar dual-tranche transaction was a great result for the World Bank team. The trade highlights the quality and global appeal of the World Bank name and its Sustainable Development Bond format, taking a combined issue size of USD 6 billion and attracting a strong and diverse orderbook on both the 2-year and 7-year tranche. HBSC was delighted to be a part of the transaction,” said Asif Sherani, EMEA Head of Syndicate and Head of Public Sector DCM, HSBC .

“The World Bank was quick to take advantage of the constructive market tone following the holiday break, moving ahead with the first Sovereign, Supranational and Agency (SSA) US dollar new issue of the quarter.  With this well-timed transaction, the World Bank was able to achieve the largest US dollar outing of the year in the SSA market, choosing two under-supplied tenors and launching a USD 6 billion combined size across the two maturities.  Congratulations to the World Bank team for this impressive transaction,” said Sarah Lovedee, Head of Supranational DCM, J.P. Morgan.

“Utilizing good timing sense, the World Bank issued their first dual-tranche USD benchmark since March 2022. Robust demand allowed issuer to garner an orderbook more than USD 12.7 billion to price a combined USD 6 billion 2 & 7-year transaction. This issue becomes, the largest USD SSA transaction priced this year, an impressive result.  Wells Fargo is delighted to be part of this trade,” said Carlos Perezgrovas, Head SSA Origination, Wells Fargo Securities .

Transaction Summary

About the World Bank The World Bank (International Bank for Reconstruction and Development, IBRD), rated Aaa/AAA (Moody’s/S&P), is an international organization. Created in 1944, it is the original member of the World Bank Group and operates as a global development cooperative owned by 189 nations. The World Bank provides loans, guarantees, risk management products, and advisory services to middle-income and other creditworthy countries to support the Sustainable Development Goals and to end extreme poverty and promote shared prosperity. It also provides leadership to coordinate regional and global responses to development challenges. The World Bank has been issuing sustainable development bonds in the international capital markets for over 70 years to fund programs and activities that achieve a positive impact. More information on World Bank bonds is available at  www.worldbank.org/debtsecurities .

World Bank bonds support the financing of programs that further the Sustainable Development Goals (SDGs). World Bank bonds are aligned with the Sustainability Bond Guidelines published by the International Capital Market Association and as such support the financing of a combination of green and social, i.e., “sustainable development” projects, programs and activities in IBRD member countries as described in the  World Bank Sustainable Development Bond Framework . The World Bank is also a member of the Executive Committee of the Green Bond, Social Bond, and Sustainability Bond Principles. A key priority for the World Bank’s capital markets’ engagement is building strategic partnerships with investors to promote the importance of private sector financing in sustainable development. The World Bank’s Sustainable Development Bond  Impact Report  describes how the World Bank engages with investors on the SDGs and raises awareness for specific development challenges.

Disclaimers This press release is not an offer for sale of securities of the International Bank for Reconstruction and Development ("IBRD"), also known in the capital markets as "World Bank". Any offering of World Bank securities will take place solely on the basis of the relevant offering documentation including, but not limited to, the prospectus, term sheet and/or final terms, as applicable, prepared by the World Bank or on behalf of the World Bank, and is subject to restrictions under the laws of several countries. World Bank securities may not be offered or sold except in compliance with all such laws. The World Bank Sustainable Development Bond Framework, the World Bank’s Sustainable Development Bond Impact Report, and the information set forth therein are not a part of, or incorporated by reference into, the offering documentation.

Net proceeds of the securities described herein are not committed or earmarked for lending to, or financing of, any particular projects or programs. Payments on the securities described herein are not funded by any particular project or program

Contact Heike Reichelt, The World Bank +1 202 477 2880 [email protected]

World Bank Treasury

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Published on Thursday, April 11, 2024 | Updated on Thursday, April 11, 2024

Bank performance in 2023 was affected by a lackluster macro environment, primarily due to the downturn in the property market. Bank's housing sector exposure declining, but risks from local government financial vehicles remain concerning.

• Key points:
• Bank assets growth saw steady expansion in response to regulators’ renewed call for more credit support to corporate and house borrowers amid the deep housing market correction.
• Banks’ profitability deteriorated due to falling lending rates and narrowing interest margins. Return on assets (ROA) and return on equity (ROE) registered the lowest records in more than a decade.
• Both the non-performing loan (NPL) ratio and special-mention loan ratios declined, benefiting from a sustained NPL disposal. However, asset risks are rising.
• The recently implemented capital rule will potentially free up capital for banks with large mortgage exposure. However, lenders are subject to pressures of capital shortfall due to the prospective implementation of the Total Loss-Absorbing Capacity (TLAC) rule in 2025.
• Banks interconnectedness with the shadow banking system picked up slightly. The decline of interest rate in the interbank market has encouraged smaller banks to rely more on interbank funding.

Documents to download

Report (pdf).

• Olga Gouveia BBVA Research - Lead Economist
• Betty Huang BBVA Research - Economist
• Le Xia BBVA Research - Chief Economist

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• Geography Tags
• Regional Analysis China
• bank capital
• asset quality
• Banking and financial systems
• Macroeconomics

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ORIGINAL RESEARCH article

This article is part of the research topic.

Incentive Policies for Green Innovation, Energy Efficiency, Environmental Protection, and Sustainability

A Comparative Assessment of Policy Induced Diffusion Pathways for Utility Scale Solar PV: Case Study of Indonesia Provisionally Accepted

• 1 Imperial College London, United Kingdom
• 2 Centre for Environmental Policy, Faculty of Natural Sciences, Imperial College London, United Kingdom

The final, formatted version of the article will be published soon.

Lack of effective policies hinder the uptake of Utility-scale solar PV, even though they are projected to play a pivotal role in achieving Indonesia’s 2050 net-zero energy target. This study seeks to identify a cost-effective pathway to increase the capacity of utility-scale solar PV in Indonesia through supportive policies that ensure equitable cost distribution between the government and industry. A novel Market Penetration Optimization Model is developed and applied in simulation mode to assess existing policies, and optimization mode to determine new policy recommendations and compare three policy induced diffusion pathways. Results show that current price-based policies are insufficient to stimulate growth in the solar PV market, only covering approximately 13% of the investment cost required by the industry. Thus, necessitating a reactivation of Feed-in-Tariffs. The optimal tariffs rates required range from 0.39 to 1.47 cents /kWh for the most economic pathway during the initial ten-year post-construction period. The Innovation Diffusion Theory-based pathway necessitates the lowest initial investment cost while yielding the highest revenue from electricity sales, demonstrating its superior cost-effectiveness compared to both the supply-based and linear pathways. This study enriches the literature by exploring the financial implications of policy induced diffusion pathways.

Keywords: Utility scale solar PV, Indonesia energy policy, Feed-in Tariff, Innovation diffusion theory, market penetration optimization, clean technology uptake modelling Market Penetration Optimisation Model MW: Megawatt NDC: Nationally Determined Contribution PLN: Perusahaan Listrik Negara (State Electricity Company

Received: 06 Oct 2023; Accepted: 12 Apr 2024.

Copyright: © 2024 Oluleye and Syafina. This is an open-access article distributed under the terms of the Creative Commons Attribution License (CC BY) . The use, distribution or reproduction in other forums is permitted, provided the original author(s) or licensor are credited and that the original publication in this journal is cited, in accordance with accepted academic practice. No use, distribution or reproduction is permitted which does not comply with these terms.

* Correspondence: Dr. Gbemi Oluleye, Imperial College London, London, United Kingdom

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Economist: Tens of billions of dollars in forest products are being overlooked

Are we missing the forest for the trees? More than timber grows in forests -- including products worth many tens of billions of dollars. Because these goods go unrecorded in official trade statistics, their economic value escapes our attention. As a result, clear opportunities to combat poverty are being missed, according to a University of Copenhagen economist.

In the Roman Empire, custom taxes on spices, black pepper in particular, accounted for up to a third of the empire's annual income. And during the late Middle Ages, European efforts to cut out middle men and monopolise the spice trade led to colonization in Asia. Historically, non-timber forest products have frequently played a key role in the global economy.

Today however, non-timber forest products are neglected when the values of forests are recorded in official trade statistics. This applies both in the EU and globally. And it is despite the fact that these products account for a large part of the economies of many countries -- from medicinal plants and edible insects to nuts, berries and herbs, to materials like bamboo and latex.

The UN Food and Agriculture Organization (FAO) estimates that annual producer income from non-wood products is US$ 88 billion -- and when the added value of processing and other links in the value chain are included, the value of these products rockets up to trillions of dollars.

According to Professor Carsten Smith-Hall, an economist at the University of Copenhagen's Department of Food and Resource Economics, this is a good reason to begin including forest products like ginseng, shea nuts, acai berries, baobab and acacia gum into global trade accounts.

"We estimate that roughly 30,000 different non-timber forest products are traded internationally, but less than fifty of them currently have a commodity code. We're talking about goods worth enormous sums of money that are not being recorded in official statistics -- and are therefore invisible. This means that the countries and communities that deliver these goods do not earn enough from them, in part because there is no investment in local processing companies," says Smith-Hall, a world-leading bioeconomy researcher. He adds:

"Because we underestimate the role of these goods, we're wasting clear opportunities to combat poverty. These are goods that contribute significantly to food security, health and employment in large parts of the world, especially in low- and middle-income countries."

Carsten Smith-Hall and James Chamberlain from the U.S. Department of Agriculture have written a commentary in the journal Forest Policy and Economics, in which they argue for the great, though yet to be realized, potential.

Adding value

Examples of valuable products that go unrecorded, but are traded in informal markets, are numerous. One of these is caterpillar fungus ( Ophiocordyceps sinensis), a fungus that infects and then erupts from the heads of mummified moth larvae. On the Tibetan plateau and in the Himalayas, people collect the medicinal mushroom that they call yartsa gunbu -- and is also known as the Viagra of the Himalayas -at every opportunity.

"Caterpillar fungus is exported to China, where it is sold as an aphrodisiac and traditional medicine. Rural gatherers can sell it for about €11,500 per kilo. It fights poverty and helps transform local communities. That is, it allows people to send their children to better schools and build new houses. But because the trade goes unrecorded, local communities aren't getting what they could out of the product," says Carsten Smith-Hall.

The professor goes on to explain that the consequence of products like these not appearing in official trade accounts is that they are ignored in important contexts:

"The products are not prioritised when funds are allocated for the development of industries and new technology. This means that many countries are missing out on the huge sums of money involved in the processing of a product in the country where a raw material is harvested. Processing is where you really see value being added to a product."

Another major consequence is that non-timber products are ignored when developing policies for how natural resources should be managed. Though official registries could also serve biodiversity, Smith-Hall points out:

"Many of these products appear on various red lists because they are believed to be overexploited. In such cases, investment may be needed to develop cultivation technology, as opposed to harvesting them in the wild. But when investors and decision-makers aren't aware of the importance of a product, the money ends up elsewhere."

Focus and systematize

According to the researchers, one of the obstacles standing in the way of non-timber products being included in trade accounts today is the overwhelmingly large number of products. It is a concern for which they have advice.

"There is a general perception among researchers and public agencies that there are simply too many products to manage. But if you list the economically important products in a country, ones that are traded in large quantities, you can shorten the list from, for example, 2,000 items to perhaps only fifteen. This lets people know which species to take an interest in and where to better focus research and technological investments. For example, in relation to developing cultivation techniques," says Carsten Smith-Hall.

Furthermore, the researchers recommend establishing systematic data collection at local, national and global levels of the volumes traded and prices fetched. They point out that tools have already been developed for this and could be made more widely available.

"We have a huge untapped potential here that can contribute in tackling extreme poverty and at the same time conserving nature and biodiversity. But this requires us to broaden our horizons and not just maintain the traditional focus on timber as the only important forest resource," Carsten Smith-Hall concludes.

THE IMPORTANCE OF NON-TIMBER PRODUCTS

• Only a very limited number of non-timber product types appear in official trade statistics today. These include coffee, cocoa, rubber, vanilla, avocado and bananas, which are all considered agricultural crops. The researchers estimate that tens of thousands of different non-timber products are traded worldwide which are not included in the statistics. However, the number of economically significant products is much smaller.
• One study estimates that between 3.5 and 5.8 billion people currently use non-timber products. About half of these users live in rural areas in the Global South, while the other half live in urban areas and the Global North.
• In the subtropics and tropics, it is estimated that roughly 28% of rural household income comes from non-timber products.

SHEA NUTS AS SAFETY NET

Shea nut oil is a common ingredient in body care products, but is also used in chocolate and other products. Shea nuts are an example of a non-timber forestry product that plays an important role in rural West African communities.

"Shea nuts prevent people from sinking deeper into poverty in Ghana, Burkina Faso and other places. Global demand for them has grown, contributing to local incomes and providing a safety net for people if, for example, their cattle are stolen or there is a sudden death in the family. At these times, many people go out and harvest these nuts to cover sudden income gaps," explains Carsten Smith-Hall.

HOW INVISIBLE TRADE WORKS

"Many non-timber products are harvested by small-scale farmers in the countryside at certain times of the year -- for example, when they are not working in the fields. At these times, they go into the forest to harvest. This makes production relatively hidden. Typically, smallholders then go to the village and sell the goods to a local trader. The trader loads the goods onto a truck, and they are transported to wholesalers, who often export them unprocessed to other countries. However, these long logistics and value chains are also largely invisible," says Carsten Smith-Hall.

• Agriculture and Food
• Food and Agriculture
• Rainforests
• Markets and Finance
• Spintronics Research
• Information Technology
• Consumerism
• Resource Shortage
• Poverty and Learning
• Old growth forest
• Deforestation
• Social inclusion
• Social inequality

Story Source:

Materials provided by University of Copenhagen - Faculty of Science . Note: Content may be edited for style and length.

Journal Reference :

• James Chamberlain, Carsten Smith-Hall. Harnessing the full potential of a global forest-based bioeconomy through non-timber products: Beyond logs, biotechnology, and high-income countries . Forest Policy and Economics , 2024; 158: 103105 DOI: 10.1016/j.forpol.2023.103105

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