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  • Ripple Deep Dive for Financial Professionals

    Building Upon Other Digital Currencies Like other digital currencies such as Bitcoin, the Ripple Protocol enables peer-to-peer transaction settlement across a decentralized network of computers. As a result, Ripple circumvents many of the fees and reduces many of the risks involved in interbank funds transfers, particularly in international transactions. Unlike other digital currency protocols, however, the Ripple Protocol is currency agnostic and users are not required to transact in the Protocol’s native currency (XRP). In addition, the technology enables near real-time settlement (three to six seconds) and is built to route each international transaction to the cheapest FX bid/ask spread available in the network.

  • Ripple - Executive Summary for Financial Institutions

    Ripple simplifies interbank payments at the infrastructure-level Ripple is technology for routing payments and settling funds - it does not replace the existing networks (e.g. ACH in the US, BACS in the UK, international wire), but enables them to become faster, cheaper, and more interconnected. Banks, clearinghouses, and governments can build simple, powerful interbank payment networks on top of Ripple, enabling payment execution and fund settlement to occur simultaneously and in real time

  • Ripple Protocol Consensus Whitepaper

    Whitepaper on consensus protocol

  • Ripple Protocol

    What is Ripple? Ripple is an Internet protocol for making financial transactions. You can use Ripple to send money anywhere in the world in any currency, instantly, and for free. What is an Internet protocol? An Internet protocol is a set of rules designed to enable computers connected to the Internet communicate with each other. Examples of Internet protocols • The protocol HTTP (Hypertext Transfer Protocol) is a set of rules for building and sharing websites. The invention of HTTP led to the World Wide Web. • The protocol SMTP (Simple Mail Transfer Protocol) is a set of rules for sending messages on the Internet. The invention of SMTP made it possible to send emails across a distributed network. • The protocol RTXP (Ripple Transaction Protocol) is a set of rules for making transactions on the Internet. The invention of RTXP makes it possible to transfer value across a distributed network. Like email for money.

  • Ripple Gateways

    Ripple is a universal protocol for money that allows independent payment systems to communicate as easily as email systems do. Just as SMTP created a shared standard for email, Ripple creates a shared standard for payments. As with email, no one owns Ripple, and there is no central operator. Ripple is open source software that allows servers all over the world to communicate peer-to-peer financial transactions to one another. If the Ripple protocol becomes the standard protocol for money, payments will become as fast, cheap, and easy as email. There are no network fees, and payments are instant.

  • Harvard Business Review Blog

    The HBR blog gives expert opinion and excellent advice on a wide variety of current business topics, serving the CEO, the student, and everyone in-between.

  • Marc Andreessen on Finance: ‘We Can Reinvent the Entire Thing’

    Twitter. Facebook. AirBnB. Marc Andreessen, co-founder of the $4.2 billion venture capital firm Andreessen Horowitz, has backed them all -- along with dozens of others. His latest project? Upending finance. Bloomberg Markets magazine interviewed Andreessen at the firm’s headquarters in Menlo Park, California.

  • The Truth about Bitcoin and Its impact to business

    Bitcoin was designed first and foremost to facilitate online payments and it is as a payment system that I believe it will have its initial significant impact on business. On a daily basis we rely on conventional payment networks such as Visa, MasterCard and Interac. Now more than ever, businesses that want to be competitive must utilize electronic payments in selling their goods and services. The use of cheques and cash has been in steady decline for many years while e-commerce and electronic payments continue to grow year after year

  • Why Bitcoin matters to Bankers?

    To get the full sense of why Bitcoin matters, you have to start thinking of it not as a currency, nor as a payment system, but as a protocol—that is, a series of rules for exchange of information among computers in a network. The applications we all know and love are built on top of protocols. The World Wide Web, for example, was built atop TCP/IP, the protocol underlying the Internet.

  • Why Bitcoin Matters for Bankers

    Savvy observers are looking beyond Bitcoin as currency and seeing its potential as a new set of payment rails. But that's not even the half of it.

  • Federal Reserve - Payment System Improvements 2014

    Advancing the Federal Reserve Financial Services Strategic Direction. Payment System Improvement Town Hall June 2014

  • The Electronic Data Gathering, Analysis, and Retrieval System (EDGAR)

    EDGAR performs automated collection, validation, indexing, acceptance, and forwarding of submissions by companies and others who are required by law to file forms with the U.S. Securities and Exchange Commission (SEC).

  • Regulation of Bitcoin in Selected Jurisdictions

    This report surveys forty foreign jurisdictions and the European Union, reporting on any regulations or statements from central banks or government offices on the handling of bitcoins as well as any significant use of bitcoins in business transactions.

  • Thomson One

    Thomson One is an analytical tool combining financial data, search, market quotes, earnings estimates, financial fundamentals, corporate filings, and analyst reports.

  • FRED

    Short for Federal Reserve Economic Data, FRED is an online database consisting of more than 223,000 economic data time series from 67 national, international, public, and private sources

  • The Digital Currency Challenge, Shaping Online Payment Systems through U.S. Financial Regulations

    Private online digital currency systems offer people accessible, convenient, and inexpensive everyday financial tools outside of traditional bank-owned and operated platforms. Digital currency systems facilitate local and international fund transfers, online and offline payments, and simple cash-to-digital everyday financial products without the need for a conventional bank account or any retail bank product. Over the past several years, Bitcoin has grown into an efficient person-to-person and person-to-business payment system without the backing of any bank or financial institution. This phenomenon is producing a new level of an on- and offline commerce and a society much more attuned to digital currency systems. The Digital Currency Challenge details how new 2007-2008 U.S. legal issues surrounding digital currency products forced companies from the U.S. market and caused the Treasury Department to enact stricter regulations. Mullan profiles new and innovative present day digital currency systems, such as Bitcoin, and illustrates how software designers and monetary theorists use new technology to circumvent current U.S. regulations. This work also explains how new digital currency systems are not just software products, but tools providing financial freedom to people in countries all around the world.

  • 2013-ATM Skimming Incidents and Analysis in India

    ATM Skimming is common Fraud with highest impact to customer confidence, brand image of ATM and Card Network. India has been choking out plan for EMV Migration but, being surrounded by European, African skimmers invading and started laying card skimming kits from 2012. 2013 has seen confirmed reports of increase in skimming incidents impacting large card holders from various banks including police personnel :) This report brings facts and figures as well as raises points on way forward to curb this issue.

  • Berkshire Hathaway Inc. Shareholder Letters

    Berkshire Hathaway's annual shareholder letters gives us a unique perspective into the insightful mind of legendary value investor, Warren Buffet. The letters may be written to shareholders, but in the past couple decades have become the standard on how to invest and conduct business for everyone.

  • Crowdfunding Bible

    As the term crowdfunding becomes more pervasive in our everyday lives, the Crowdfunding Bible introduces and explores the nuances of crowdfunding and allows unfamiliar users to become more versed in the subject. Specific examples of crowdfunding stories are used to highlight the pros and cons of this emerging financing tool.

  • IBISWorld

    IBISWorld is one of the world's leading publishers of business intelligence, specializing in Industry research and Procurement research.

  • Bitcoin and Beyond: The Possibilities and Pitfalls of Virtual Currencies

    A quick report on Bitcoin. Created by Vice President at the Federal Reserve Bank of St. Louis, David Andolfatto.

  • The Boom in Global Fintech Investment

    Global investment in financial technology (‘fintech’) ventures has more than tripled during the last five years – from under $930 million in 2008 to more than $2.97 billion in 2013. Given the dramatic changes occurring in financial services, driven by new technology, regulations, consumer behavior, and the need for cost reduction, this global trend is expected to continue for the foreseeable future.

  • The Regulatory Responses to the Global Financial Crisis: Some Uncomfortable Questions

    Financial regulation or reform takes a significant amount of time after a crises to be implemented. This paper explores key reasons why progress towards financial reform is often slowed down. The main argument being that it is usually because of short sightedness and lack of understanding of the underlying causes to a crisis, that people cannot solve issues right away.

  • F6S

    F6S is the network for Founders with the highest-ranked Startup programs globally, 4,700+ Startup orgs, 49k Startups and 1k+ deals

  • Reducing Youth Unemployment in Sub-Saharan Africa

    (April 2013) The youth population in sub-Saharan Africa is increasing rapidly. Today, economies in sub-Saharan Africa are experiencing rapid growth, averaging 5.3 percent in GDP growth in 2012well above the world average of 3.3 percent per year. Countries must take the opportunity to cultivate the capacity of their youth, a valuable resource for their prosperity. Second-chance education for individuals with low or no foundation skills will help these youth catch up later in life. By 2050, that age group is projected to nearly double to about 561 million, according to PRB's The World's Youth 2013 Data Sheet.1 The youth of the region are also becoming better educated.

  • EBA Opinion on 'virtual currencies'

    EBA report detailing the risks of virtual currencies. Overall assessment dictates major risks for involvement in virtual currencies for EU based financial institutions in consideration of the potential benefits offered: lower transaction cost and fast transaction times.

  • Top 10 for 2014: Our Outlook for Financial Markets Regulation and Supervision

    An outlook on 10 areas in which global financial regulation will improve or change in 2014. Topics include Banking Unions, individual accountability, wholesale conduct risk, and more.

  • Crunchbase

    CrunchBase is a freely available database of start-ups, entrepreneurs, and investors that can be edited by anyone.

  • Coindesk

    Free website that focuses on the subject of Bitcoins. Provides information such as price, latest news articles, or purchasing opportunities that any Bitcoin beginner or enthusiast can use as a resource.

  • Monetary Policy Report

    The Monetary Policy Report is a semi-annual report released by the Federal Reserve to address the conduct of monetary policy and economic developments within the U.S. The report focuses on real GDP, the current unemployment rate, and the rate of inflation and how the Federal Reserve plans to tackle these issues in the near future.

  • Global Wealth 2014: Riding a Wave of Growth

    Global private financial wealth grew by 14.6 percent in 2013 to reach a total of $152.0 trillion. The rise was stronger than in 2012, when global wealth grew by 8.7 percent. The key drivers, for the second consecutive year, were the performance of equity markets and the creation of new wealth in RDEs.

  • Disruptive Technology and Changing Customer Behaviours

    The paper examines the transformational impact that technology is having on banking, and how it is re-shaping customer expectations. It asserts that banking has become a digital business and the successful banks of the future will exploit technology to better meet evolving customer needs.

  • Transit Payment Systems: A Case for Open Payment Systems

    A white paper published by First Data (2010) introducing the concept of Open Payment Systems for the first time through the use of transit payment systems. The paper goes into detail about how the adoption of this concept will set the future precedent for payments of this nature and how the success of transit payment systems makes it seem like this concept will be heavily adopted by all int he future.

  • Crowdfunding's Potential for the Developing World

    This document addresses the enormous potential and power of crowdfunding and crowdfund investing as a tool that is being used more frequently within the developing world. The advantages of crowdfund financing over traditional financing in developing economies are highlighted as crowdfunding allows for more flexible financing and enables companies to exploit more market opportunities.

  • Foreign Exchange Research - Bitcoin 101: A Primer

    In this report, Wells Fargo seeks to provide an introduction to Bitcoin—what it is and how it works—the potential, the problems and the price swings

  • Bitter to Better — How to Make Bitcoin a Better Currency

    A preliminary but broad study of bitcoin. This report highlights key benefits and detractions from the viewpoint of researching looking to provide a long-lasting alternative for low-to-no cost digital transactions.

  • NASDAQ IPOs

    A database consisting of the latest filed and withdrawn IPOs on the market. Also includes comprehensive historical data on how recent IPOs have performed months to years after their debut.

  • UBPR

    The Uniform Bank Performance Report (UBPR) is an analytical tool created for bank supervisory, examination, and management purposes.

  • The Apple Business Model: Value Capture and Dysfunctional Economic and Social Consequences

    In April 2013, Apple committed to distributing as much as $100 billion to shareholders in stock buybacks and cash dividends by the end of calendar 2015. By employing the theory of innovative enterprise to analyze how over the course of its 37-year history Apple became so profitable, we argue that there is no economic justification from a risk-reward perspective for this distribution to Apple's shareholders. Taxpayers and workers have superior claims on these profits.

  • The Impact of Public Officials’ Corruption on the Size and Allocation of U.S. State Spending

    A new study from researchers at the University of Hong Kong and Indiana University estimates that corruption on the state level is costing Americans in the 10 most corrupt states an average of $1,308 per year, or 5.2% of those states’ average expenditures per year.

  • How does a bitcoin transaction work

    An image showing the flow of a bitcoin transaction, with some insight into the cryptography and verification involved.

  • Bitcoin A Primer for Policymakers

    This paper provides a short introduction to the Bitcoin network and describes the socioeconomic benefits of Bitcoin's decentralized development as well as potential issues for consumers, policymakers, and regulators.

  • Financial Regulatory Reform

    This document is the financial regulation plan of the U.S Department of Treasury as a result of the most recent financial crisis. The Treasury plans to restore confidence in the integrity of the financial system in the U.S by meeting five key objectives that center around a simpler and more effectively enforced financial system.

  • Global Market Sentiment Survery 2014

    An online survey conducted by the CFA Institute with participation from about 6561 of their members to gauge feedback on market sentiment, performance, integrity issues in the new year. The common sentiment being that global and local economies are expected to grow in 2014.

  • Squeezing Out More Juice: 2014 Investment Outlook

    An outlook on 2014 from a investment point of view by Blackrock. In this document after surveying around 100 portfolio managers they come to the conclusion that 2014 may be the year to invest in more risky assets, as the potential for upside gains is becoming a regularity.

  • Bitcoin: An Innovative Alternative Digital Currency

    The first academic paper written on the topic of Bitcoin from an outside sources. Socioeconomic and legal impact is described in depth. Highly cited.

  • Dodd-Frank Act Stress Test 2014: Supervisory Stress Test Methodology and Results

    A summary of the results of the stress tests enacted due to the Dodd-Frank Act 2014, ensuring that major U.S banks are meeting certain capital requirements

  • Analysis of Bitcoin Pooled Mining Reward Systems

    This paper describes the various scoring systems used to calculate rewards of participants in Bitcoin pooled mining. Furthermore, it explains the problems each were designed to solve and analyze their respective advantages and disadvantages.

  • The Koch Cycle of Endless Cash

    Koch Companies Public Sector, part of the industrial group owned by a well-known pair of conservative brothers, has hired a big-name firm to lobby Congress on campaign-finance issues, according to a registration form. The form doesn’t say what those issues are, but there are several bills in the House that would reduce the role of anonymous big money in campaigns, and restrict the kinds of super PACs and nonprofit groups that the Koch brothers and others have inflated with cash.

  • Bloomberg Terminal

    Bloomberg is the industry standard for trading data providing real-time market data such as price data on exchange traded stocks, warrants, options, futures, indices, bonds, commodities and currencies as well streaming news and comprehensive economic indicators and financial data.

  • An Analysis of Anonymity in the Bitcoin System

    This report tackles the central tenant of bitcoin's mass adoption appeal: anonymity. Due to the public ledger of all past bitcoin transactions, casual users of bitcoin need to be aware that it is possible to trace donations over the course of time.

  • Monthly U.S Economic and Housing Market Outlook

    A monthly report by Freddie Mac on the U.S Housing Market. Goes into summary of major trends that attribute to the housing market and a brief outlook for the month. Explains the latest mortgage rates, vacancy rates, and employment rate and how it effects all houseowners within the U.S.

  • Russian bank chiefs take aim at US dollar

    Russian companies will make bypassing the U.S. dollar in international transactions a top priority, the heads of three Russian banks said this week, in the latest sign that Russia is turning its back on the West and moving toward Asia.

  • 50 Competitive Intelligence Analysis Techniques

    List of 50 competitive analysis techniques with some references included.

  • Britain becomes haven for U.S. companies keen to cut tax bills

    In the last year around a dozen major U.S. companies unveiled plans to shift their tax bases overseas outside the United States. Following recent legal changes whereby Britain largely stopped seeking to tax corporate profits reported in other countries, companies are increasingly choosing the UK as a corporate base.

  • U.S. to Sue Citigroup Over Faulty Mortgage Bonds: Sources

    The U.S. Department of Justice is preparing to sue Citigroup Inc on charges that the bank defrauded investors on billions of dollars worth of mortgage securities in the run-up to the financial crisis. A lawsuit could be filed in U.S. District Court in Brooklyn as early as next week, involving penalty numbers of $10 billion or more. Bloomberg News reported that the Justice Department asked the bank to pay more than $10 billion, and that the bank had offered less than $4 billion.

  • Who Regulates Whom and How? An Overview of the U.S Financial Regulatory Policy for Banking and Securities Market

    In the midst of many financial regulations being implemented due to the most recent crisis it becomes unclear how the hierarchy of regulation works within the U.S. This document goes into detail of how and why each branch of regulation does what it does.

  • It's Time For a Hard Bitcoin Fork

    This article cites the central issue of centralized Bitcoins. It details the topic of GHash, which at one point controlled 51% of all mining of Bitcoins.

  • Informed-Options Trading prior to M&A Announcements: Insider Trading?

    An investigation into trading activity before the announcement of major corporate mergers and acquisitions. The paper goes on to provide evidence of possible insider trading in correlation with timely derivative trading that would only benefit those with inside information.

  • Middle Market

    Merger & Acquisition news and insight website that mentions every public deal on the market. Complete with extensive industry search, comprehensive M&A database, and professional opinion section.

  • The Software Industry Financial Report

    A lengthy detailed report about the M&A market for software companies, predominately in the $5-75 million range (small to mid-cap). Analysis on deal volume, ecommerce and digital advertising spend, internet M&A by product category, ect.

  • Financial Services in 2013 and Beyond: Adapting to the New Regulatory Climate

    The May 7, 2013, article from the US law firm Morrison Foerster handles the aftermath of the watershed Dodd-Frank banking legislation. Morrison Foerster is a US law firm with 1,000+ lawyers in 17 offices.

  • Bank Regulation: Too small to Torture

    The blurring of thresholds based on assets with more subjective judgments about the riskiness of certain activities confuses things for banks getting closer to levels set by Dodd-Frank.

  • Japan to slash corporate tax rate to below 30%

    The Japanese government said Friday it was slashing Japan’s corporate tax rate, one of the world’s highest, as the country’s top central banker called for speedier reforms to unshackle an economy long mired in red tape. The cuts would bring the levy under 30% within a few years, resulting in a tax rate ranging from 20% to 29%, depending on the jurisdiction.

  • Analysis of Bitcoin Pooled Mining Reward Systems

    This paper describes the various scoring systems used to calculate rewards of participants in Bitcoin pooled mining. Furthermore, it explains the problems each were designed to solve and analyze their respective advantages and disadvantages.

  • BIS Papers

    A database of white papers, annual reports, and reviews all published by the Bank of International Settlements. The BIS also comments on global economic and financial developments and identifies issues that are of common interest to central banks. The research agenda of the BIS is focused on key areas of interest to central banks, such as monetary and financial stability, monetary policy and exchange rates, financial institutions and infrastructure, financial markets, central bank governance, and legal issues.