BBA/ B.Com FINANCIAL INSTUTION AND MARKET June 2024

Description

Financial Institutions & Markets

June 2024 Examination

 

 

1. “Banking and financial services have been seen as a significant transformation as a result of the introduction of digital technologies”. In view to the given statement, enumerate how UPI, Blockchain and AI are changing the trends in the banking and financial service industry. (10 Marks)

Ans 1.

Introduction

The banking and financial services industry is undergoing a radical transformation driven by the advent of digital technologies. This shift is not just about automation or increased efficiency; it’s about fundamentally redefining how financial transactions and services are conducted globally. Among the most influential technologies shaping this change are the Unified Payments Interface (UPI), Blockchain, and Artificial Intelligence (AI). These innovations are revolutionizing the industry by enabling faster, more secure, and customer-centric financial processes. The integration of these technologies has not only enhanced operational efficiencies but also expanded the scope of financial services, making them more accessible to a broader audience. This essay will explore the specific impacts of UPI, Blockchain, and AI on the banking and financial services sector, highlighting the transformative potential each

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2. Elaborate the given statement “It is better to invest money in some other financial instrument rather than buying life Insurance. ‘’ (10 Marks)

Introduction

The debate over the optimal deployment of personal finance often centers around comparing investment in life insurance versus other financial instruments. Traditionally, life insurance has been considered a cornerstone of financial planning, primarily providing security against the uncertainties of life. However, with the evolution of diverse investment opportunities offering potentially higher returns, many now argue that funds might be better allocated elsewhere. This assertion rests

 

 

3. Neeta wants to diversify her portfolio and wants to invest in mutual fund. She is unaware about mutual funds and its significance.
4. Help Neeta to explain details about mutual fund and its significance in investing in Mutual fund. (5 Marks)

Ans 3a.

Introduction

Mutual funds present an appealing investment option for individuals like Neeta looking to diversify their investment portfolios. By pooling money from many investors, mutual funds allow individuals to invest in a broad range of securities, managed by professional fund managers. This approach provides an accessible route to a diversified investment portfolio, which can mitigate risk while potentially enhancing returns.

Concept and Application

A mutual fund is

 

 

1. Help Neeta to understand the various types of Mutual Funds and structure of Mutual Funds. (5 Marks)

Ans 3b.

Introduction

For investors like Neeta who are considering mutual funds as a part of their investment strategy, understanding the various types of mutual funds and their structures is crucial. Each type of mutual fund caters to different investor needs based on risk tolerance, investment horizon, and financial goals. This knowledge can empower Neeta to make informed decisions that align with her