tp钱包官方app下载|financial services

作者： tp钱包官方app下载

2024-03-13 01:44:22

Importance and Components of the Financial Services Sector

Investing

Stocks

Cryptocurrency

Bonds

ETFs

Options and Derivatives

Commodities

Trading

Automated Investing

Brokers

Fundamental Analysis

Markets

View All

Simulator

Trade

Research

My Games

Leaderboard

Banking

Savings Accounts

Certificates of Deposit (CDs)

Money Market Accounts

Checking Accounts

View All

Personal Finance

Budgeting and Saving

Personal Loans

Insurance

Mortgages

Credit and Debt

Student Loans

Taxes

Credit Cards

Financial Literacy

Retirement

View All

News

Markets

Companies

Earnings

CD Rates

Mortgage Rates

Economy

Government

Crypto

ETFs

Personal Finance

View All

Reviews

Best Online Brokers

Best Savings Rates

Best CD Rates

Best Life Insurance

Best Personal Loans

Best Mortgage Rates

Best Money Market Accounts

Best Auto Loan Rates

Best Credit Repair Companies

Best Credit Cards

View All

Academy

Investing for Beginners

Trading for Beginners

Become a Day Trader

Technical Analysis

All Investing Courses

All Trading Courses

View All

Live

Please fill out this field.

Investing

Stocks

Cryptocurrency

Bonds

ETFs

Options and Derivatives

Commodities

Trading

Automated Investing

Brokers

Fundamental Analysis

Markets

View All

Simulator

Trade

Research

My Games

Leaderboard

Banking

Savings Accounts

Certificates of Deposit (CDs)

Money Market Accounts

Checking Accounts

View All

Personal Finance

Budgeting and Saving

Personal Loans

Insurance

Mortgages

Credit and Debt

Student Loans

Taxes

Credit Cards

Financial Literacy

Retirement

View All

News

Markets

Companies

Earnings

CD Rates

Mortgage Rates

Economy

Government

Crypto

ETFs

Personal Finance

View All

Reviews

Best Online Brokers

Best Savings Rates

Best CD Rates

Best Life Insurance

Best Personal Loans

Best Mortgage Rates

Best Money Market Accounts

Best Auto Loan Rates

Best Credit Repair Companies

Best Credit Cards

View All

Academy

Investing for Beginners

Trading for Beginners

Become a Day Trader

Technical Analysis

All Investing Courses

All Trading Courses

View All

Economy

Government and Policy

Monetary Policy

Fiscal Policy

Economics

View All

Financial Terms

Newsletter

About Us

Table of Contents

Expand

Table of Contents

The Financial Services Sector

Importance

Banking Services

Investment Services

Insurance Services

Tax and Accounting Services

FAQs

The Bottom Line

Personal Finance

Banking

Importance and Components of the Financial Services Sector

The Investopedia Team

Full Bio

Investopedia contributors come from a range of backgrounds, and over 24 years there have been thousands of expert writers and editors who have contributed.

Learn about our

editorial policies

Updated January 09, 2024

Reviewed by

Thomas J. Catalano

Reviewed by

Thomas J. Catalano

Full Bio

Thomas J Catalano is a CFP and Registered Investment Adviser with the state of South Carolina, where he launched his own financial advisory firm in 2018. Thomas' experience gives him expertise in a variety of areas including investments, retirement, insurance, and financial planning.

Learn about our

Financial Review Board

Fact checked by

Kimberly Overcast

Fact checked by

Kimberly Overcast

Full Bio

Kimberly Overcast is an award-winning writer and fact-checker. She has ghostwritten political, health, and Christian nonfiction books for several authors, including several New York Times bestsellers. Kimberly also holds a Class C private investigator license.

Learn about our

editorial policies

The economy is made up of many different segments called sectors. These sectors are comprised of different businesses that provide goods and services to consumers. The variety of services offered by lending institutions, brokerage firms, and other businesses are collectively referred to as the financial services sector.

The financial services sector is comprised of banking, mortgages, credit cards, payment services, tax preparation and planning, accounting, and investing. Financial services are often limited to the activity of firms and professionals, while financial products are the financial instruments these professionals provide to their clients.

Key Takeaways

Financial services make up one of the economy's most important and influential sectors.Financial services are a broad range of more specific activities such as banking, investing, and insurance.Financial services are limited to the activity of financial services firms and their professionals, while financial products are the actual goods, accounts, or investments they provide.

What Is the Financial Services Sector?

The financial services sector provides financial services to people and corporations. This segment of the economy is made up of a variety of financial firms including banks, investment houses, lenders, finance companies, real estate brokers, and insurance companies.

As noted above, the financial services industry is one of the most important sectors of the economy. Large conglomerates dominate this sector, but it also includes a diverse range of smaller companies.

According to the finance and development department of the International Monetary Fund (IMF), financial services are the processes by which consumers or businesses acquire financial goods. For example, a payment system provider offers a financial service when it accepts and transfers funds between payers and recipients. This includes accounts settled through credit and debit cards, checks, and electronic funds transfers.

Companies in the financial services industry manage money. For instance, a financial advisor manages assets and offers advice on behalf of a client. The advisor does not directly provide investments or any other product, rather, they facilitate the movement of funds between savers and the issuers of securities and other instruments. This service is a temporary task rather than a tangible asset.

Financial goods, on the other hand, are not tasks. They are things. A mortgage loan may seem like a service, but it's actually a product that lasts beyond the initial provision. Stocks, bonds, loans, commodity assets, real estate, and insurance policies are examples of financial goods.

Investopedia / Joules Garcia

The Importance of the Financial Services Sector

The financial services sector is the primary driver of a nation's economy. It provides the free flow of capital and liquidity in the marketplace. When the sector is strong, the economy grows, and companies in this industry are better able to manage risk.

The strength of the financial services sector is also important to the prosperity of a country's population. When the sector and economy are strong, consumers generally earn more. This boosts their confidence and purchasing power. When they need access to credit for large purchases, they turn to the financial services sector to borrow.

A strong financial services sector can lead to economic growth, while a failing system can drag down a nation's economy.

If the financial services sector fails, though, it can drag a country's economy down. This can lead to a recession. When the financial system starts to break down, the economy starts to suffer. Capital begins to dry up as lenders tighten the reins on lending. Unemployment rises, and wages may even drop, leading consumers to stop spending.

In order to compensate, central banks lower interest rates to try to boost economic growth. This is primarily what happened during the financial crisis that led to the Great Recession.

Banking Services

The banking industry is the foundation of the financial services group. It is most concerned with direct saving and lending, while the financial services sector incorporates investments, insurance, the redistribution of risk, and other financial activities. Banking services are provided by large commercial banks, community banks, credit unions, and other entities.

Banks earn revenue primarily on the difference in the interest rates charged for credit accounts and the rates paid to depositors. Financial services like these primarily earn revenue through fees, commissions, and other methods like the spread on interest rates between loans and deposits.

Banking Segments

Banking is made up of several segments—retail banking, commercial banking, and investment banking. Also known as consumer or personal banking, retail banking serves consumers rather than corporations. These banks offer financial services tailored to individuals, including checking and savings accounts, mortgages, loans, and credit cards, as well as certain investment services.

Corporate, commercial, or business banking, on the other hand, deals with small businesses and large corporations. Like retail banking, it provides account services and credit products that are tailored to the specific needs of businesses.

An investment bank typically only works with deal makers and high-net-worth individuals (HNWIs)—not the general public. These banks underwrite deals, secure access to capital markets, offer wealth management and tax advice, advise companies on mergers and acquisitions (M&A), and facilitate the buying and selling of stocks and bonds. Financial advisors and discount brokerages also occupy this niche.

Investment Services

Individuals may access financial markets like stocks and bonds through investment services. Brokers—either human or self-directed online services—facilitate the buying and selling of securities, taking a commission for their efforts. Financial advisors may charge an annual fee based on assets under management (AUM) and direct several trades in the pursuit of constructing and managing a well-diversified portfolio.

Robo-advisors are the latest incarnation of financial advice and portfolio management, with fully automated algorithmic portfolio allocations and trade executions.

Not all investment services in the financial sector are available to everyone. High-net-worth individuals (those with a net worth of $1 million or more in liquid financial assets) have many more options open to them for investments.

Hedge funds, mutual funds, and investment partnerships invest money in the financial markets and collect management fees in the process. These organizations require custody services for trading and servicing their portfolios, as well as legal, compliance, and marketing advice. There are also software vendors that cater to the investment fund community by developing software applications for portfolio management, client reporting, and other back-office services.

Private equity funds, venture capital providers, and angel investors supply investment capital to companies in exchange for ownership stakes or profit participation. Venture capital was especially important to technology firms in the 1990s. Much of what goes on behind the scenes in the making of big deals is attributed to this group.

Insurance Services

Insurance is another important subsector of the financial services industry. Insurance services are available for protection against death or injury (e.g., life insurance, disability income insurance, health insurance), against property loss or damage (e.g., homeowners insurance, car insurance), or against liability or lawsuit.

In the United States, an insurance agent differs from a broker. The former is a representative of the insurance carrier, while the latter represents the insured and shops around for insurance policies. This is also the realm of the underwriter, who assesses the risk of insuring clients and also advises investment bankers on loan risk.

Reinsurers are in the business of selling insurance to the insurers themselves to help protect them from catastrophic losses.

Tax and Accounting Services

The sector also includes accountants and tax filing services, currency exchange and wire transfer services, and credit card machine services and networks. It also includes debt resolution services and global payment providers such as Visa and Mastercard, as well as exchanges that facilitate stock, derivatives, and commodity trades.

Accountants ensure all financial records and statements—the balance sheet, income and loss statement, cash-flow statement, and tax return—are in line with federal laws and regulations and generally accepted accounting principles (GAAP).

Accountants also compile the information needed to prepare entries to company accounts such as the general ledger, and they document business financial transactions over time. This information is used to prepare weekly, monthly, quarterly, or annual closing statements and cost accounting reports.

Accountants must also resolve any discrepancies or irregularities they find in records, statements, or documented transactions. They typically observe established accounting control procedures through an accounting system or software program.

A good tax accountant can save you a significant amount of money at tax time; particularly if you have many different assets.

Accountants are often assigned other finance-related tasks in addition to analyzing financial records and statements. Ancillary job duties include monitoring the efficiency of accounting control procedures or software programs to ensure they are up to date with federal and state regulations. Accountants are also tasked with making recommendations to various departments or C-suite staff regarding the efficient use of company resources and procedures. These recommendations aim to provide solutions to potentially costly business financial concerns or problems.

In some instances, accountants may also prepare and review invoices for customers and vendors to assist with the timely payment of outstanding balances. Reconciliation of payroll, verification of contracts and orders, construction of a company budget, and the development of financial models or projections may also be part of an accountant's regular responsibilities.

In addition to these duties, accountants prepare and file taxes for companies and individuals. They analyze all company assets, income earned and paid, or anticipated expenses and liabilities to reach a total tax obligation for the year. With both company and individual tax preparation and filing, accountants are expected to provide a detailed analysis of tax efficiency or inefficiency and make recommendations for how to reduce total tax liabilities in the future.

What Is in the Financial Services Sector?

The financial services sector consists of banking, investing, taxes, real estate, and insurance, all of which provide different financial services to people and corporations.

Is the Financial Services Sector the Same As the Banking Sector?

No, the financial services sector is not the same as the banking sector. The banking sector is one component of the financial services sector, which consists of many other components. The banking sector is primarily considered with saving and lending, whereas the financial services sector also includes investing, insurance, and real estate.

What Are the Types of Financial Services?

Financial services can include depositing your check at a bank, obtaining a mortgage from a lender, investing your money with a mutual fund, having a bank underwrite your business for an IPO, purchasing insurance for your car, and similar transactions.

The Bottom Line

The financial sector is both large and wide, encompassing many types of businesses, from investments to taxes to accounting to insurance to banking, and more. It is most likely that in your personal and professional lives, you will touch upon most. Having a basic understanding of each sector will make navigating each a little easier and perhaps even profitable.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our

editorial policy.

International Monetary Fund. "Financial Services: Getting the Goods."

Open a New Bank Account

Advertiser Disclosure

The offers that appear in this table are from partnerships from which Investopedia receives compensation. This compensation may impact how and where listings appear. Investopedia does not include all offers available in the marketplace.

Embedded Finance: Everything You Need to Know

How the Financial Services Sector Differs From Banks

Services Sector ETF: Meaning, Examples, Pros and Cons

Types of Finance and Financial Services

What Common ETFs Track the Banking Sector?

10 Biggest Banks in the World

Partner Links

Related Terms

Embedded Finance: Everything You Need to Know

Embedded finance integrates financial and banking services into platforms for nonfinancial companies.

Services Sector ETF: Meaning, Examples, Pros and Cons

A services sector ETF is an exchange-traded fund (ETF) that primarily invests in the consumer services or financial services sector of an economy.

Financial Sector: Definition, Examples, Importance to Economy

The financial sector consists of companies that provide financial services to commercial and retail clients.

Retail Banking: What It Is, Different Types, and Common Services

Retail banking consists of basic financial services, such as checking and savings accounts, among others, that are sold to the general public via local branches.

What Is Wholesale Banking? Types of Services and Example

Wholesale banking includes banking services such as currency conversion and large trade transactions between investment banks and other large institutions.

Custodian: What It Means in Banking and Finance

A custodian bank is a financial institution that holds customers' securities in electronic or physical form to minimize the risk of theft or loss.

About Us

Dictionary

Editorial Policy

Advertise

News

Careers

Investopedia is part of the Dotdash Meredith publishing family.

Please review our updated Terms of Service.

Financial services - Wikipedia

Jump to content

Main menu

move to sidebar

hide

Navigation

Main pageContentsCurrent eventsRandom articleAbout WikipediaContact usDonate

Contribute

HelpLearn to editCommunity portalRecent changesUpload file

Create account

Personal tools

Create account Log in

Pages for logged out editors learn more

ContributionsTalk

Contents

move to sidebar

hide

(Top)

1History

2Relationship to the government

3Banks

Toggle Banks subsection

3.1Commercial banking services

3.2Investment banking services

4Foreign exchange services

5Investment services

6Insurance

7Other financial services

8Financial exports

9See also

10References

11Further reading

12External links

Toggle the table of contents

Financial services

38 languages

العربيةবাংলাБългарскиCatalàČeštinaDanskDeutschEestiΕλληνικάEspañolEuskaraفارسیFrançais한국어Հայերենहिन्दीBahasa IndonesiaItalianoಕನ್ನಡLietuviųМакедонскиमराठीBahasa MelayuNederlands日本語Norsk bokmålਪੰਜਾਬੀPolskiPortuguêsРусскийShqipSuomiSvenskaதமிழ்TürkçeУкраїнськаTiếng Việt中文

Edit links

ArticleTalk

English

ReadEditView history

Tools

move to sidebar

hide

Actions

ReadEditView history

General

What links hereRelated changesUpload fileSpecial pagesPermanent linkPage informationCite this pageGet shortened URLDownload QR codeWikidata item

Print/export

Download as PDFPrintable version

In other projects

Wikimedia Commons

From Wikipedia, the free encyclopedia

Economic service provided by the finance industry

For the Hong Kong constituency, see Financial Services (constituency).

Part of a series onFinance

Markets

Assets

Bond

Commodity

Derivatives

Foreign exchange

Money

Over-the-counter

Private equity

Real estate

Spot

Stock

Participants

Investor

institutional

Retail

Speculator

Locations

Financial centres

Offshore financial centres

Conduit and sink OFCs

Instruments

Bond

Cash

Collateralised debt obligation

Credit default swap

Time deposit (certificate of deposit)

Credit line

Deposit

Derivative

Futures contract

Indemnity

Insurance

Letter of credit

Loan

Mortgage

Option (callexoticput)

Performance bonds

Repurchase agreement

Stock

Security

Syndicated loan

Synthetic CDO

Corporate

General

Accounting

Audit

Capital budgeting

Credit rating agency

Risk management

Financial statements

Transactions

Leveraged buyout

Mergers and acquisitions

Structured finance

Venture capital

Taxation

Base erosion and profit shifting (BEPS)

Corporate tax haven

Tax inversion

Tax haven

Transfer pricing

Personal

Credit / Debt

Employment contract

Financial planning

RetirementStudent loan

Public

Government spending

Final consumption expenditure

OperationsRedistribution

Transfer payment

Government revenue

TaxationDeficit spending

Budget (balance)Debt

Non-tax revenue

Warrant of payment

Banking

Central bank

Deposit account

Fractional-reserve

Full-reserve

Loan

Money supply

Lists of banks

Bank regulation

Banking license

Basel Accords

Bank for International Settlements

Financial Stability Board

Deposit insurance

Separation of investment and retail banking

Regulation · Financial law

International Financial Reporting Standards

ISO 31000

Professional certification

Fund governance

Economic history

Private equity and venture capital

Recession

Stock market bubble

Stock market crash

Accounting scandals

Business and Economics portal

Money portalvte

Financial services are economic services tied to finance provided by financial institutions. Financial services encompass a broad range of service sector activities, especially as concerns financial management and consumer finance.

The finance industry in its most common sense concerns commercial banks that provide market liquidity, risk instruments, and brokerage for large public companies and multinational corporations at a macroeconomic scale that impacts domestic politics and foreign relations. The extragovernmental clout and scale of the finance industry remains an ongoing controversy in many industrialized Western economies, as seen in the American Occupy Wall Street civil protest movement of 2011.

Styles of financial institution include credit union, bank, savings and loan association, trust company, building society, brokerage firm, payment processor, many types of broker, and some government-sponsored enterprise.[1]

Financial services include accountancy, investment banking, investment management, and personal asset management.

Financial products include insurance, credit cards, mortgage loans, and pension funds.

Financial Services Authority Seychelles logo on building

History[edit]

See also: Global financial system § History of international financial architecture

Change in access to a financial account or services between 2005 and 2014 by country[2]

The term "financial services" became more prevalent in the United States partly as a result of the Gramm–Leach–Bliley Act of the late 1990s, which enabled different types of companies operating in the U.S. financial services industry at that time to merge.[3]

Companies usually have two distinct approaches to this new type of business. One approach would be a bank that simply buys an insurance company or an investment bank, keeps the original brands of the acquired firm, and adds the acquisition to its holding company simply to diversify its earnings. Outside the U.S. (e.g. Japan), non-financial services companies are permitted within the holding company. In this scenario, each company still looks independent and has its own customers, etc. In the other style, a bank would simply create its own insurance division or brokerage division and attempt to sell those products to its own existing customers, with incentives for combining all things with one company.[citation needed]

Relationship to the government[edit]

The financial sector is traditionally among those to receive government support in times of widespread economic crisis. Such bailouts, however, enjoy less public support than those for other industries.[4]

Banks[edit]

Main article: Bank

Commercial banking services[edit]

Main article: Commercial bank

A commercial bank is what is commonly referred to as simply a bank. The term "commercial" is used to distinguish it from an investment bank, a type of financial services entity which instead of lending money directly to a business, helps businesses raise money from other firms in the form of bonds (debt) or share capital (equity).

The primary operations of commercial banks include:

Keeping money safe while also allowing withdrawals when needed

Issuance of chequebooks so that bills can be paid and other kinds of payments can be delivered by the post

Provide personal loans, commercial loans, and mortgage loans (typically loans to purchase a home, property or business)

Issuance of credit cards, processing of credit card transactions and billing

Issuance of debit cards for use as a substitute for cheques

Allow financial transactions at branches or by using automatic teller machines (ATMs)

Provide wire transfers of funds and electronic fund transfers between banks

Facilitation of standing orders and direct debits, so payments for bills can be made automatically

Provide overdraft agreements for the temporary advancement of the bank's own money to meet the monthly spending commitments of a customer in their current account.

Provide internet banking system to facilitate customers to view and operate their respective accounts through the internet.

Provide charge card advances of the bank's own money for customers wishing to settle credit advances monthly.

Provide a check guaranteed by the bank itself and prepaid by the customer, such as a cashier's check or certified check.

Notary service for financial and other documents

Accepting deposits from customers and providing credit facilities to them.

Sell investment products like mutual funds Etc.

The United States is the largest location for commercial banking services.

Investment banking services[edit]

Singapore financial district by night (25449263528)

Main article: Investment banking

Underwriting debt and equity for the private and public sector for such entities to raise capital.

Mergers and acquisitions – Work to underwrite and advise companies on mergers or takeovers.

Structured finance – Develop intricate (typically derivative) products for high net worth individuals and institutions with more intricate financial needs.

Restructuring – Assist in financially reorganizing companies

Investment management – Management of assets (e.g., real estate) to meet specified investment goals of clients.

Securities research – Maintain their own department that services to assist their traders, clients and maintain a public stance on specific securities and industries.

Broker Services – Buy and sell securities on behalf of their clients (sometimes may involve financial consulting as well).

Prime brokerage – An exclusive type of bundled broker service specifically meant to service the needs of hedge funds.

Private banking – Private banks provide banking services exclusively to high-net-worth individuals. Many financial services firms require a person or family to have a certain minimum net worth to qualify for private banking service.

New York City and London are the largest centers of investment banking services. NYC is dominated by U.S. domestic business, while in London international business and commerce make up a significant portion of investment banking activity.[5]

Foreign exchange services[edit]

Foreign exchange machine

FX or Foreign exchange services are provided by many banks and specialists foreign exchange brokers around the world. Foreign exchange services include:

Currency exchange – where clients can purchase and sell foreign currency banknotes.

Wire transfer – where clients can send funds to international banks abroad.

Remittance – where clients that are migrant workers send money back to their home country.

London handled 36.7% of global currency transactions in 2009[update] – an average daily turnover of US$1.85 trillion – with more US dollars traded in London than New York, and more Euros traded than in every other city in Europe combined.[6][7][8][9][10]

Investment services[edit]

Collective investment fund – A fund that acts as an investment pool so investors can put money into a fund that will reinvest it into a variety of securities based upon their common, outlined investment goal.

Investment Advisory Offices – Run by registered investment advisors who advise clients in financial planning and invest their money.

Hedge fund management – Hedge funds often employ the services of "prime brokerage" divisions at major investment banks to execute their trades.

Private equity – Private equity funds are typically closed-end funds, which usually take controlling equity stakes in businesses that are either private or taken private once acquired. Private equity funds often use leveraged buyouts (LBOs) to acquire the firms in which they invest. The most successful private equity funds can generate returns significantly higher than provided by the equity markets.

Venture capital – Private equity capital typically provided by professional, outside investors to new, high-growth-potential companies in the interest of taking the company to an IPO or trade sale of the business. Startup companies are typically fueled by an angel investor.

Family office – Investment and wealth management firm that handles a wealthy family or small group of wealthy individuals with financial plans tailored to their needs. Similar to private banking.

Advisory services – These firms (or departments within a larger entity) service clients with financial advisers who serve as both, a broker as well as a financial consultant.

Custody services – the safe-keeping and processing of the world's securities trades and servicing the associated portfolios. Assets under custody in the world are approximately US$100 trillion.[11]

New York City is the largest center of investment services, followed by London.[12]

Insurance[edit]

Main article: Insurance

National Insurance Services (NIS) – St. Vincent ^ the Grenadines – panoramio

Insurance brokerage – Insurance brokers shop for insurance (generally corporate property and casualty insurance) on behalf of customers. Recently several websites have been created to give consumers basic price comparisons for services such as insurance, causing controversy within the industry.[13]

Insurance underwriting – Personal lines insurance underwriters actually underwrite insurance for individuals, a service still offered primarily through agents, insurance brokers, and stock brokers. Underwriters may also offer similar commercial lines of coverage for businesses. Activities include insurance and annuities, life insurance, retirement insurance, health insurance, and property insurance and casualty insurance.

Finance and insurance – a service still offered primarily at asset dealerships. The F&I manager encompasses the financing and insuring of the asset which is sold by the dealer. F&I is often called "the second gross" in dealerships that have adopted the model

Reinsurance – Reinsurance is insurance sold to insurers themselves, to protect them from catastrophic losses.

The United States, followed by Japan and the United Kingdom are the largest insurance markets in the world.[14]

Other financial services[edit]

This section does not cite any sources. Please help improve this section by adding citations to reliable sources. Unsourced material may be challenged and removed. (March 2024) (Learn how and when to remove this template message)

Angel investment networks – A group of angel investors can create their own network to be the financial foundation for future companies.

Credit card networking – Companies that serve as the bridge between the retailers and the banks who issue the bank cards. Major credit card networks are: UnionPay, Mastercard, Visa Inc., Rupay, American Express and Discover Financial.

Conglomerates – A financial services company, such as a universal bank, that is active in more than one sector of the financial services market e.g. life insurance, general insurance, health insurance, asset management, retail banking, wholesale banking, investment banking, etc. A key rationale for the existence of such businesses is the existence of diversification benefits that are present when different types of businesses are aggregated. As a consequence, economic capital for a conglomerate is usually substantially less than economic capital is for the sum of its parts.

Debt resolution – A consumer service that assists individuals that have too much debt to pay off as requested, but do not want to file bankruptcy and wish to pay off their debts owed. This debt can be accrued in various ways including but not limited to personal loans, credit cards, or in some cases merchant accounts.

Financial market utilities – Organizations that are part of the infrastructure of financial services, such as stock exchanges, clearing houses, derivative and commodity exchanges and payment systems such as real-time gross settlement systems or interbank networks.

Payment recovery – Assistance in recovering money inadvertently paid to vendors by businesses, such as by accidental duplicate payment of an invoice or failure to return a deposit.

Financial exports[edit]

A financial export is a financial service provided by a domestic firm (regardless of ownership) to a foreign firm or individual. While financial services such as banking, insurance, and investment management are often seen as domestic services, an increasing proportion of financial services are now being handled abroad, in other financial centres, for a variety of reasons. Some smaller financial centres, such as Bermuda, Luxembourg, and the Cayman Islands, lack sufficient size for a domestic financial services sector and have developed a role providing services to non-residents as offshore financial centres. The increasing competitiveness of financial services has meant that some countries, such as Japan, which were once self-sufficient, have increasingly imported financial services.[citation needed]

The leading financial exporter, in terms of exports less imports, is the United Kingdom, which had $95 billion of financial exports in 2014.[15] The UK's position is helped by both unique institutions (such as Lloyd's of London for insurance, the Baltic Exchange for shipping etc.)[16] and an environment that attracts foreign firms;[17] many international corporations have global or regional headquarters in the London and are listed on the London Stock Exchange, and many banks and other financial institutions operate there or in Edinburgh.[18][19]

Types of Finance and Financial Services

Investing

Stocks

Cryptocurrency

Bonds

ETFs

Options and Derivatives

Commodities

Trading

Automated Investing

Brokers

Fundamental Analysis

Markets

View All

Simulator

Trade

Research

My Games

Leaderboard

Banking

Savings Accounts

Certificates of Deposit (CDs)

Money Market Accounts

Checking Accounts

View All

Personal Finance

Budgeting and Saving

Personal Loans

Insurance

Mortgages

Credit and Debt

Student Loans

Taxes

Credit Cards

Financial Literacy

Retirement

View All

News

Markets

Companies

Earnings

CD Rates

Mortgage Rates

Economy

Government

Crypto

ETFs

Personal Finance

View All

Reviews

Best Online Brokers

Best Savings Rates

Best CD Rates

Best Life Insurance

Best Personal Loans

Best Mortgage Rates

Best Money Market Accounts

Best Auto Loan Rates

Best Credit Repair Companies

Best Credit Cards

View All

Academy

Investing for Beginners

Trading for Beginners

Become a Day Trader

Technical Analysis

All Investing Courses

All Trading Courses

View All

Live

Please fill out this field.

Investing

Stocks

Cryptocurrency

Bonds

ETFs

Options and Derivatives

Commodities

Trading

Automated Investing

Brokers

Fundamental Analysis

Markets

View All

Simulator

Trade

Research

My Games

Leaderboard

Banking

Savings Accounts

Certificates of Deposit (CDs)

Money Market Accounts

Checking Accounts

View All

Personal Finance

Budgeting and Saving

Personal Loans

Insurance

Mortgages

Credit and Debt

Student Loans

Taxes

Credit Cards

Financial Literacy

Retirement

View All

News

Markets

Companies

Earnings

CD Rates

Mortgage Rates

Economy

Government

Crypto

ETFs

Personal Finance

View All

Reviews

Best Online Brokers

Best Savings Rates

Best CD Rates

Best Life Insurance

Best Personal Loans

Best Mortgage Rates

Best Money Market Accounts

Best Auto Loan Rates

Best Credit Repair Companies

Best Credit Cards

View All

Academy

Investing for Beginners

Trading for Beginners

Become a Day Trader

Technical Analysis

All Investing Courses

All Trading Courses

View All

Economy

Government and Policy

Monetary Policy

Fiscal Policy

Economics

View All

Financial Terms

Newsletter

About Us

Table of Contents

Expand

Table of Contents

Types of Finance

Financial Services

What Are Financial Activities?

Finance FAQs

Corporate Finance

Financial Analysis

Types of Finance and Financial Services

Understanding money management and how needed funds are acquired

Daniel Kurt

Full Bio

Daniel has 10+ years of experience reporting on investments and personal finance for outlets like AARP Bulletin and Exceptional magazine, in addition to being a column writer for Fatherly.

Learn about our

editorial policies

Updated June 05, 2023

Reviewed by

Natalya Yashina

Reviewed by

Natalya Yashina

Full Bio

Natalya Yashina is a CPA, DASM with over 12 years of experience in accounting including public accounting, financial reporting, and accounting policies.

Learn about our

Financial Review Board

Fact checked by

Skylar Clarine

Fact checked by

Skylar Clarine

Full Bio

Skylar Clarine is a fact-checker and expert in personal finance with a range of experience including veterinary technology and film studies.

Learn about our

editorial policies

Finance is a broad term that describes activities associated with banking, leverage or debt, credit, capital markets, money, and investments.

Essentially, finance represents money management and the process of acquiring needed funds. Finance also encompasses the oversight, creation, and study of money, banking, credit, investments, assets, and liabilities that make up financial systems.

Many of the basic concepts in finance originate from microeconomic and macroeconomic theories. One of the most fundamental theories is the time value of money, which states that a dollar today is worth more than a dollar in the future.

Key Takeaways

Finance encompasses banking, leverage or debt, credit, capital markets, money, investments, and the creation and oversight of financial systems.Basic financial concepts are based on microeconomic and macroeconomic theories. The finance field includes three main subcategories: personal finance, corporate finance, and public (government) finance.Consumers and businesses use financial services to acquire financial goods and achieve financial goals. The financial services sector is a primary driver of a nation’s economy.

Types of Finance

Individuals, businesses, and government entities all need funding to operate. Therefore, the finance field includes three main subcategories:

Personal financeCorporate financePublic (government) finance

1. Personal Finance

Personal finance is specific to an individual’s situation and activity. Therefore, related financial strategies depend largely on a person’s earnings, living requirements, goals, and desires. Financial planning involves analyzing the current financial position of individuals to formulate strategies for future needs within financial constraints.

For example, individuals must save for retirement. That requires saving or investing enough money during their working lives to fund their long-term plans. This type of financial management decision falls under personal finance.

Personal finance covers a range of activities, including using or purchasing financial products such as credit cards, insurance, mortgages, and various types of investments.

Banking is also considered a component of personal finance because individuals use checking and savings accounts as well as online or mobile payment services such as PayPal and Venmo.

2. Corporate Finance

Corporate finance refers to the financial activities related to running a corporation. A division or department usually is set up to oversee those financial activities.

For example, a large company may have to decide whether to raise additional funds through a bond issue or stock offering. Investment banks may advise the firm on such considerations and help it market the securities.

Startups may receive capital from angel investors or venture capitalists in exchange for a percentage of ownership. If a company thrives and decides to go public, it will issue shares on a stock exchange through an initial public offering (IPO) to raise cash. In other cases, to budget its capital properly and effectively, a company with growth goals may need to decide which projects to finance and which to put on hold.

All of these types of decisions fall under corporate finance.

3. Public Finance

Public finance includes taxing, spending, budgeting, and debt-issuance policies that affect how a government pays for the services it provides to the public. It is a part of fiscal policy.

The federal and state governments help prevent market failure by overseeing the allocation of resources, the distribution of income, and economic stability. Regular funding is secured mostly through taxation. Borrowing from banks, insurance companies, and other nations also helps finance government spending.

In addition to managing money in day-to-day operations, a government body also has social and fiscal responsibilities. A government is expected to ensure adequate social programs for its taxpaying citizens. It must maintain a stable economy so that people can save and be assured that their money will be safe.

Financial services are not the same as financial goods. Financial goods are products, such as mortgages, stocks, bonds, and insurance policies. Financial services are services offered by financial entities. The investment advice and management a financial advisor provides for a client is one example of financial services.

Financial Services

Financial services are the services that allow consumers and businesses to acquire financial goods. One straightforward example is the financial service offered by a payment system provider when it accepts and transfers funds between payers and recipients. This includes accounts settled via checks, credit and debit cards, and electronic funds transfers.

The financial services sector is one of the most important segments of the economy. It helps drive a nation’s economy, providing the free flow of capital and liquidity in the marketplace.

The financial services sector is made up of a variety of financial firms, including banks, investment houses, finance companies, insurance companies, lenders, accounting services, and real estate brokers.

When this sector and a country’s economy are strong, consumer confidence and purchasing power rise. When the financial services sector fails, it can drag down the economy and lead to a recession.

What Are Financial Activities?

Financial activities are the initiatives and transactions that businesses, governments, and individuals undertake as they seek to further their economic goals.

They are activities that involve the inflow or outflow of money. Examples include buying and selling products (or assets), issuing stocks, initiating loans, and maintaining accounts.

When a company sells shares and makes debt repayments, it is engaging in financial activities. Similarly, individuals and governments are involved in financial activities when they take out loans and levy taxes, which further specific monetary objectives.

What Is Finance?

The term "finance" refers to financial activities that support the lives of individuals, businesses, and governments. Some of those activities include banking, borrowing, saving, and investing. Finance also refers to the study of money and financial tools that are part of a country's financial system.

Is the Financial Services Industry Important?

Yes. Companies that offer financial services have always been important because they help facilitate for individuals and businesses transactions that involve money. The financial services industry is also important for its role in the health of a country's economy. According to EIU research, the financial services industry represents around 20% of the global economy.

What Is Personal Finance?

Personal finance involves planning, implementing, and managing financial activities that impact individuals. These activities can include earning an income, spending money, saving and investing, and borrowing.

Article Sources

editorial policy.

Rice University via OpenStax. "Principles of Finance: 1.1 What Is Finance?"

Rice University via OpenStax. "Principles of Finance: 1.6 Microeconomic and Macroeconomic Matters."

Harvard Business School. "Business Insights: Time Value of Money (TVM): A Primer."

International Monetary Fund. "Financial Services: Getting the Goods."

Cybersecurity and Infrastructure Security Agency. "Financial Services Sector."

The Economist Intelligence Unit. "Financial Services Sector Analysis."

Finance vs. Economics: What's the Difference?

How the Financial Services Sector Differs From Banks

What Does Finance Mean? Its History, Types, and Importance Explained

What Is Personal Finance, and Why Is It Important?

Importance and Components of the Financial Services Sector

How to Change Careers to a Financial Sector Job

Partner Links

Related Terms

What Does Finance Mean? Its History, Types, and Importance Explained

Finance is the study and management of money, investments, and other instruments. Learn about the basics of public, corporate, and personal finance.

What Is Personal Finance, and Why Is It Important?

Personal finance is about managing your budget and how best to put your money to work to realize your financial independence and goals.

What is a Financial Institution?

A financial institution (FI) is a company that focuses on dealing with financial transactions, such as investments, loans, and deposits.

Financial Services Forum: Definition, Mission, and Accomplishments

The Financial Services Forum is an organization representing the CEOs of the eight largest U.S. banks that advocates on financial and economic policy.

Combating the Financing of Terrorism (CFT) Definition

Combating the Financing of Terrorism is a set of policies aimed to deter and prevent funding of activities intended to achieve religious or ideological goals through violence.

Investment Consultant Overview: Types, Job Prospects, Pay

An investment consultant provides investors with investment products, advice, and/or planning.

About Us

Dictionary

Editorial Policy

Advertise

News

Careers

Investopedia is part of the Dotdash Meredith publishing family.

Please review our updated Terms of Service.

Financial Services, from The Report: Philippines 2021 - Oxford Business Group

Licence or Product Purchase Required

You have reached the limit of premium articles you can view for free.

Already have an account? Login here

Get expert, on-the-ground insights into the latest business and economic trends in more than 30 high-growth global markets. Produced by a dedicated team of in-country analysts, our research provides the in-depth business intelligence you need to evaluate, enter and excel in these exciting markets.

View licence options

Suitable for

Executives and entrepreneurs

Bankers and hedge fund managers

Journalists and communications professionals

Consultants and advisors of all kinds

Academics and students

Government and policy-research delegations

Diplomats and expatriates

This article also features in The Report: Philippines 2021. Read more about this report and view purchase options in our online store.

Explore Research

Africa

AlgeriaBotswanaCote d’IvoireDjiboutiEgyptGabonGhanaKenyaLibyaMauritaniaMoroccoNigeriaSouth AfricaTanzaniaTunisia

Asia

Brunei DarussalamIndonesiaMalaysiaMyanmarPapua New GuineaPhilippinesSri LankaThailand

The Americas

ArgentinaColombiaGuyanaMexicoPeruTrinidad & Tobago

The Middle East

BahrainJordanKuwaitOmanQatarSaudi ArabiaUAE: Abu DhabiUAE: DubaiUAE: Sharjah

Sectors

AgricultureConstructionEducationEnergyFinancial ServicesHealthICTIndustryLegal FrameworkReal EstateRetailTaxTourismTransport

Our Services

Research Products & Services

ReportsArticles & InterviewsCEO SurveysEvents & Roundtables

Consulting & Advisory Services

ESG IntelligenceThought LeadershipGlobal Platform VideoVideo SolutionsSupply Chain ConsultingInternational Development Consulting

Licence OptionsWebstoreEmerging Markets GuideContact Us

Careers At OBGAcademic ProgrammeMedia

Explore Research

Africa

AlgeriaBotswanaCote d’IvoireDjiboutiEgyptGabonGhanaKenyaLibyaMauritaniaMoroccoNigeriaSouth AfricaTanzaniaTunisia

Asia

Brunei DarussalamIndonesiaMalaysiaMyanmarPapua New GuineaPhilippinesSri LankaThailand

The Americas

ArgentinaColombiaGuyanaMexicoPeruTrinidad & Tobago

The Middle East

BahrainJordanKuwaitOmanQatarSaudi ArabiaUAE: Abu DhabiUAE: DubaiUAE: Sharjah

Sectors

AgricultureConstructionEducationEnergyFinancial ServicesHealthICTIndustryLegal FrameworkReal EstateRetailTaxTourismTransport

Our Services

Research Products & Services

ReportsArticles & InterviewsCEO SurveysEvents & Roundtables

Consulting & Advisory Services

ESG IntelligenceThought LeadershipGlobal Platform VideoVideo SolutionsSupply Chain ConsultingInternational Development Consulting

Licence OptionsWebstoreEmerging Markets GuideContact Us

Careers At OBGAcademic ProgrammeMedia

Financial Services

From The Report: Philippines 2021

View in Online Reader

Buy Digital Edition of this Chapter - £9

The Philippines’ financial services sector entered the Covid-19 pandemic on a solid footing, thanks to decades of regulatory reform to address the vulnerabilities exposed by the 1997-98 Asian financial crisis. Strong capital buffers, high levels of provisioning and near-universal public health cover insulated the country from many of the impacts that other markets continue to wrestle with. While geographic spread and socio-economic disparities remain structural barriers, increasingly tech-focused growth strategies are improving both bottom lines and financial inclusion among the population in measurable ways. The country has experienced a boom in digital banking as a result of the Covid-19 pandemic, with several digital-only banks announcing plans to enter the market, legacy banks rapidly upgrading their online offerings and the central bank eyeing ambitious digital banking targets. This chapter contains interviews with Benjamin E Diokno, Governor, Bangko Sentral ng Pilipinas; Kelvin Ang, CEO, AIA Philam Life; and Sanjiv Vohra, President and CEO, Security Bank.

Start Reading

Explore Report

Previous chapter from this report:

Economy, from The Report: Philippines 2021

Philippines Financial Services Sector Research Highlights - Oxford Business Group

Licence or Product Purchase Required

You have reached the limit of premium articles you can view for free.

Already have an account? Login here

View licence options

Suitable for

Executives and entrepreneurs

Bankers and hedge fund managers

Journalists and communications professionals

Consultants and advisors of all kinds

Academics and students

Government and policy-research delegations

Diplomats and expatriates

This article also features in Asia Philippines Financial Services Search Page. Read more about this report and view purchase options in our online store.

Explore Research

Africa

AlgeriaBotswanaCote d’IvoireDjiboutiEgyptGabonGhanaKenyaLibyaMauritaniaMoroccoNigeriaSouth AfricaTanzaniaTunisia

Asia

Brunei DarussalamIndonesiaMalaysiaMyanmarPapua New GuineaPhilippinesSri LankaThailand

The Americas

ArgentinaColombiaGuyanaMexicoPeruTrinidad & Tobago

The Middle East

BahrainJordanKuwaitOmanQatarSaudi ArabiaUAE: Abu DhabiUAE: DubaiUAE: Sharjah

Sectors

AgricultureConstructionEducationEnergyFinancial ServicesHealthICTIndustryLegal FrameworkReal EstateRetailTaxTourismTransport

Our Services

Research Products & Services

ReportsArticles & InterviewsCEO SurveysEvents & Roundtables

Consulting & Advisory Services

ESG IntelligenceThought LeadershipGlobal Platform VideoVideo SolutionsSupply Chain ConsultingInternational Development Consulting

Licence OptionsWebstoreEmerging Markets GuideContact Us

Careers At OBGAcademic ProgrammeMedia

Explore Research

Africa

AlgeriaBotswanaCote d’IvoireDjiboutiEgyptGabonGhanaKenyaLibyaMauritaniaMoroccoNigeriaSouth AfricaTanzaniaTunisia

Asia

Brunei DarussalamIndonesiaMalaysiaMyanmarPapua New GuineaPhilippinesSri LankaThailand

The Americas

ArgentinaColombiaGuyanaMexicoPeruTrinidad & Tobago

The Middle East

BahrainJordanKuwaitOmanQatarSaudi ArabiaUAE: Abu DhabiUAE: DubaiUAE: Sharjah

Sectors

AgricultureConstructionEducationEnergyFinancial ServicesHealthICTIndustryLegal FrameworkReal EstateRetailTaxTourismTransport

Our Services

Research Products & Services

ReportsArticles & InterviewsCEO SurveysEvents & Roundtables

Consulting & Advisory Services

ESG IntelligenceThought LeadershipGlobal Platform VideoVideo SolutionsSupply Chain ConsultingInternational Development Consulting

Licence OptionsWebstoreEmerging Markets GuideContact Us

Careers At OBGAcademic ProgrammeMedia

All Regions

Africa

Asia

The Americas

The Middle East

All Countries

All Sectors

Philippines Financial Services Sector Research Highlights

Economic News How fintechs are revolutionising remittances in emerging marketsOBGplus

– Fintechs focused on remittances are capturing legacy lenders’ market share

– The UN and other bodies are calling for remittance fees to be capped at 3%

– Emerging markets have been at the forefront of mobile-first fintech growth

– Cryptocurrency is also increasingly disrupting the remittances space

A number of remittance-focused financial technology (fintech) start-ups are gaining…

Economic News Will cryptocurrency expansion continue among emerging markets in 2022?OBGplus

– Cryptocurrency uptake continued to grow exponentially in 2021

– Emerging nations led the world in terms of crypto adoption

– The new incarnation of blockchain-based currencies is driving uptake

– Adoption is set to expand despite ecological and economicconcerns

Emerging markets were at the forefront of last year’s massive growth in global cryptocurrency adoption. With this…

Country Report The Report: Philippines 2021OBGplus

The Philippines posted average economic growth of 6.4% over 2010-19. While the Covid-19 pandemic tested the country’s resilience during 2020, the response measures contained within the two national stimulus packages, Bayanihan 1 and 2, provided support to vulnerable industries. Meanwhile, the rollout of the imminent Corporate Recovery and Tax Incentives for Enterprises bill is expected to create

Global Platform Simoun Ung, CEO, OmniPay, Inc.

In this Global Platform video, Simoun Ung, CEO of OmniPay, Inc., unpacks the opportunities and challenges facing both regulators and financial technology (fintech) players as societies around the world accelerate the shift towards digital payments. With fintechs looking to expand their service offering beyond the upper echelons of society, successfully managing cybersecurity risk and promoting consumer

Event The Inaugural CREATE Summit

Q&A Sessions With Tax Experts on Create Implications and Other Issues at The Inaugural Create Summit

As the first-ever revenue-eroding tax reform package and the largest economic stimulus program in Philippine history, Corporate Recovery and Tax Incentives for Enterprises (CREATE) Law is seen to push for national accelerated economic recovery by attracting more foreign direct investment into the…

Economic News South-east Asia at the forefront of the CBDC revolutionOBGplus

– Many emerging nations’ central banks are trialling or considering CBDCs

– South-east Asia is at the forefront of digital banking and cryptocurrency

– Cambodia has launched a CBDC, while several other states are undertaking trials

– An East Asian common currency based on blockchain has been proposed

The coronavirus pandemic gave rise to a massive acceleration in the spread of digital…

Analysis Philippine insurers seek to boost coverage and revenueOBGplus

Analysis New offerings seen from Philippine banks amid Covid-19OBGplus

Overview Steps to boost financial inclusion in the PhilippinesOBGplus

Interview Kelvin Ang, CEO, AIA Philam Life: InterviewOBGplus

Interview: Kelvin Ang

How would you assess the pace of digital transformation in the Philippines’ insurance sector?

Featured Sectors in Philippines

Asia Agriculture

Asia Construction

Asia Economy

Asia Financial Services

Asia ICT

Asia Industry

Featured Countries in Financial Services

Egypt Financial Services

Gabon Financial Services

Ghana Financial Services

Myanmar Financial Services

Papua New Guinea Financial Services

Philippines Financial Services

Featured Reports in Philippines

The Report: Philippines 2021

The Report: Philippines 2019

The Report: Philippines 2018

The Report: The Philippines 2017

The Report: The Philippines 2016

The Report: The Philippines 2015

Name

Email Address

Query

Number

Subject

Quick LinksOur Services

Contact OBG

Cookies Policy

Media

Frequently Asked Questions

Terms & Conditions

ESG Reports

Find our research on the Bloomberg Terminal, Dow Jones Factiva, Eikon, S&P Capital IQ, LexisNexis and more

Privacy Overview

Necessary

Always Enabled

Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.

Functional

Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.

Performance

Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.

Analytics

Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.

Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.

Others

Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.

SAVE & ACCEPT

Copy link

CopyCopied

Seven Forces Shaping the Future of Financial Services | Deloitte US

Please enable JavaScript to view the site.

Viewing offline content

Limited functionality available

Dismiss

Services

What's New

Enterprise metaverse solutions

Explore Deloitte's Unlimited Reality™ services

Sustainability, Climate & Equity

Cultivating a sustainable and prosperous future

Tax

Tax Operate

Tax Legislation

Tax Technology Consulting

Global Employer Services

Legal Business Services

Tax Services

Consulting

Core Business Operations

Customer & Marketing

Enterprise Technology & Performance

Human Capital

Strategy & Analytics

Audit & Assurance

Audit Innovation

Accounting Standards

Accounting Events & Transactions

Deloitte Private

M&A and Restructuring

Risk & Financial Advisory

Accounting & Internal Controls

Cyber & Strategic Risk

Regulatory & Legal

Transactions and M&A

AI & Analytics

Cloud

Diversity, Equity & Inclusion

Industries

What's New

The Ripple Effect

Real-world client stories of purpose and impact

IndustryAdvantage™

Gain a competitive advantage in your industry through targeted front-office transformation

Consumer

Automotive

Consumer Products

Retail, Wholesale & Distribution

Transportation, Hospitality & Services

Energy, Resources & Industrials

Industrial Products & Construction

Power, Utilities & Renewables

Energy & Chemicals

Mining & Metals

Financial Services

Banking & Capital Markets

Insurance

Investment Management

Real Estate

Government & Public Services

Defense, Security & Justice

Federal health

Civil

State & Local

Higher Education

Life Sciences & Health Care

Health Care

Life Sciences

Technology, Media & Telecommunications

Technology

Telecommunications

Media & Entertainment

Insights

What's New

Deloitte Insights Magazine

Explore the latest issue now

Deloitte Insights app

Go straight to smart with daily updates on your mobile device

Weekly economic update

See what's happening this week and the impact on your business

Spotlight

Weekly Economic Outlook

What Are Financial Services? - Back to Basics: Finance & Development, March 2011

What's New

Site Map

Site Index

Glossary

Home

About the IMF

Research

Countries

Capacity Development

News

Videos

Data

Publications

What Companies Are in the Financial Services Sector?

Investing

Stocks

Cryptocurrency

Bonds

ETFs

Options and Derivatives

Commodities

Trading

Automated Investing

Brokers

Fundamental Analysis

Markets

View All

Simulator

Trade

Research

My Games

Leaderboard

Banking

Savings Accounts

Certificates of Deposit (CDs)

Money Market Accounts

Checking Accounts

View All

Personal Finance

Budgeting and Saving

Personal Loans

Insurance

Mortgages

Credit and Debt

Student Loans

Taxes

Credit Cards

Financial Literacy

Retirement

View All

News

Markets

Companies

Earnings

CD Rates

Mortgage Rates

Economy

Government

Crypto

ETFs

Personal Finance

View All

Reviews

Best Online Brokers

Best Savings Rates

Best CD Rates

Best Life Insurance

Best Personal Loans

Best Mortgage Rates

Best Money Market Accounts

Best Auto Loan Rates

Best Credit Repair Companies

Best Credit Cards

View All

Academy

Investing for Beginners

Trading for Beginners

Become a Day Trader

Technical Analysis

All Investing Courses

All Trading Courses

View All

Live

Please fill out this field.

Investing

Stocks

Cryptocurrency

Bonds

ETFs

Options and Derivatives

Commodities

Trading

Automated Investing

Brokers

Fundamental Analysis

Markets

View All

Simulator

Trade

Research

My Games

Leaderboard

Banking

Savings Accounts

Certificates of Deposit (CDs)

Money Market Accounts

Checking Accounts

View All

Personal Finance

Budgeting and Saving

Personal Loans

Insurance

Mortgages

Credit and Debt

Student Loans

Taxes

Credit Cards

Financial Literacy

Retirement

View All

News

Markets

Companies

Earnings

CD Rates

Mortgage Rates

Economy

Government

Crypto

ETFs

Personal Finance

View All

Reviews

Best Online Brokers

Best Savings Rates

Best CD Rates

Best Life Insurance

Best Personal Loans

Best Mortgage Rates

Best Money Market Accounts

Best Auto Loan Rates

Best Credit Repair Companies

Best Credit Cards

View All

Academy

Investing for Beginners

Trading for Beginners

Become a Day Trader

Technical Analysis

All Investing Courses

All Trading Courses

View All

Economy

Government and Policy

Monetary Policy

Fiscal Policy

Economics

View All

Financial Terms

Newsletter

About Us

Table of Contents

Expand

Table of Contents

Types of Companies

Major Names

Financial Services FAQs

The Bottom Line

Company Profiles

Financial Companies

What Companies Are in the Financial Services Sector?

J.B. Maverick

Full Bio

J.B. Maverick is an active trader, commodity futures broker, and stock market analyst 17+ years of experience, in addition to 10+ years of experience as a finance writer and book editor.

Learn about our

editorial policies

Updated March 03, 2024

Reviewed by

Margaret James

Fact checked by

Timothy Li

Fact checked by

Timothy Li

Full Bio

Timothy Li is a consultant, accountant, and finance manager with an MBA from USC and over 15 years of corporate finance experience. Timothy has helped provide CEOs and CFOs with deep-dive analytics, providing beautiful stories behind the numbers, graphs, and financial models.

Learn about our

editorial policies

When most people hear the term financial services sector, the first thing they're likely to think of is the hustle and bustle of Wall Street. However, there's more to the industry than just stock trading and investment services.

In fact, the financial services sector includes a broad array of different types of financial services companies. What's more, financial services companies are considered to be one of the most important parts of the economy in many different countries.

Two simultaneous trends currently characterize the financial services industry. One is specialization, where companies provide targeted services to customers. The other is globalization, or the expansion of firms into developing countries and emerging market nations.

This article looks at some big names in the financial services sector.

Key Takeaways

Berkshire Hathaway was formed in 1839 and its stock is one of the most expensive in the world.American Express focuses on credit card offerings, co-branded cards with hotels, and other travel services like traveler's checks.Wells Fargo is one of the largest U.S. banks by market capitalization and is among the largest 100 corporations in the United States.Charles Schwab led the charge for discount brokerage firms and empowered individual investors.Financial services companies facilitate banking, investing, credit card transactions, loans, and more.

Types of Financial Services Companies

Companies in this sector include:

Investment banking firms

Money managers

Brokerage houses

Banks

Lenders

Insurance companies

Tax and accounting firms

Credit card companies

Payment processing companies

Real estate companies

Fintech companies

Financial services firms serve retail and commercial consumers alike. Companies such as Apple and Amazon can be considered to offer financial services, with the Apple Card and Amazon Pay.

The global financial services market is expected to reach $26.5 trillion by 2022.

Major Names in Financial Services

Berkshire Hathaway

Founded: 1839 (as Valley Falls Company)Headquarters: Omaha, NebraskaChief Executive Officer: Warren BuffettMarket Capitalization (as of August 2022): $645.66 billion

Many people have heard of Berkshire Hathaway (BRK-A), the company headed by Warren Buffett, one of the world's richest individuals. The company's stock is one of the most expensive in the world and trades on the New York Stock Exchange (NYSE).

Berkshire Hathaway was founded in 1839 as the Valley Falls Company in Rhode Island and was originally a textile manufacturing company. Buffett's involvement began in 1962 when he started buying shares in the company before assuming full control a few years later.

Berkshire Hathaway has an established record of financial success with companies that it has acquired over the years. The multinational conglomerate owns insurance companies GEICO, National Indemnity, and General Re. The assets of these three companies combined make parent Berkshire Hathaway one of the biggest insurance companies in the U.S.

Berkshire Hathaway has expanded its holdings to include companies involved in real estate, transportation, the furniture industry, and several jewelry companies—notably Helzberg Diamonds. This financial services company also diversified into the confectionery, newspaper publishing, retail, and utility industries.

American Express

Founded: 1850Headquarters: New York, New YorkChief Executive Officer: Stephen SqueriMarket Capitalization (as of August 2022): $118.97 billion

American Express (AXP) is one of the oldest financial firms in America, dating back to 1850. Originally, it offered freight forwarding services. Subsequently, it began providing travel services. It became one of the first companies in the world to offer charge cards and is commonly recognized by its signature gladiator logo adopted in 1958. Today, American Express, or Amex as it's more commonly known, is a Fortune 100 company and a component of the Dow Jones Industrial Average (DJIA).

American Express continues to prosper despite competition from major rivals Visa and MasterCard, which have more aggressive credit card marketing strategies. The company has focused its attention on its credit card offerings, creating a number of co-branded cards with hotels. It provides other travel services such as traveler's checks and has ventured into the prepaid card business. The elite status of American Express is demonstrated by its ability to offer a premium Centurion card that can be had for a hefty $10,000 initial fee and a $5,000 annual fee.

Wells Fargo

Founded: 1852Headquarters: San Francisco, CaliforniaChief Executive Officer: Charles ScharfMarket Capitalization (as of August 2022): $169.345 billion

Wells Fargo (WFC) is a global bank and financial services company with retail and commercial banking locations across the U.S. It also has a presence in Hong Kong, London, Singapore, and Tokyo. The company is one of the largest banks by market capitalization in the United States and is among the largest 100 corporations in the United States.

Wells Fargo has the distinction of holding the first-ever bank charter issued in the U.S. The company acquired Wachovia Bank in 2008, winning out over one of its major competitors, Citigroup (C).

Despite its success and position within the sector, the company has had its fair share of scandals. One of the most notable involved branches opening 1.5 million checking, savings, and credit card accounts without the consent of customers. This was widely reported in 2016 and, as a result, Wells Fargo was slapped with $185 million in fines.

Charles Schwab

Founded: 1971Headquarters: Westlake, TexasChief Executive Officer: Walter BettingerMarket Capitalization (as of August 2022): $138.40 billion

In 1975, Chuck Schwab helped launch the revolution in discounted brokerage commissions. So welcome was this change by individual investors that, within a decade, his company opened approximately 100 branches, began offering 24-hour quotes and extended customer service hours, and even started researching what would become online services. Schwab became known as America's Largest Discount Broker.

Bank of America bought Charles Schwab in 1983. Chuck Schwab engineered a buy back in 1987 and then took the company public. Schwab started offering financial services for independent financial advisors as well as financial products such as the Schwab 1000 Fund®, the No-Fee IRA, and Schwab Mutual Fund OneSource® service. Schwab went live with web trading in 1996.

Today, Charles Schwab has $7.3 trillion in client assets, 33.9 million brokerage accounts (and averages 5.22 million daily trades), 1.7 million banking accounts, and serves approximately 15,000 independent advisor firms. It employs 35,200.

PayPal

Founded: 1998Headquarters: San Jose, CaliforniaChief Executive Officer: Dan SchulmanMarket Capitalization (as of August 2022): $108.99 billion

PayPal is one of the first fintech companies. It remains a groundbreaking member of the vanguard of the digital payment transformation. Founded in 1998, its strictly online platform lets individuals and businesses make secure financial transactions through its payment portal. It has 429 million active consumer and merchant accounts and enabled 5.5 billion payment transactions as of Q2 2022.

PayPal has struck many strategic partnerships with important financial services companies, including Visa, Bank of America, Banorte, Barclays, Citi, HSBC, JPMorgan Chase, ShinhanCard, Wells Fargo, American Express, Discover, Mastercard, FIS, Paymentus and Synchrony.

In 2019, PayPal become the first payment services company approved for online payment services in China. It continues to expand its payment services platform worldwide. In 2021, PayPal introduced Checkout with Crypto to ensure safe payments using cryptocurrencies.

Goldman Sachs

Founded: 1869Headquarters: New York, New YorkChief Executive Officer: David SolomonMarket Capitalization (as of August 2022): $116.32 billion

Goldman Sachs Group, Inc. is a global financial institution. With a goal to support sustainable economic growth and financial opportunity, it offers financial services related to investment banking, securities, investment management, and consumer banking. Its clientele is a large and diversified group that includes individuals, corporations, other financial institutions, and governments.

Goldman Sachs delivers advice and services that assist organizations with mergers and acquisitions, financing, and other transactions. Its investment research offers choice insights and analysis for clients in the equity, fixed income, currency, and commodities markets. In addition, it provides investment management solutions for wealth building that involves all major asset classes.

Goldman Sachs partnered with Apple to issue the Apple Card. The firm, along with the Apple Card, was ranked number one in customer satisfaction by the J.D. Power 2022 U.S. Credit Card Satisfaction Study.

Rocket Mortgage

Founded: 1985Headquarters: Detroit, MichiganChief Executive Officer: Jay FarnerMarket Capitalization (as of August 2022): $16.99 billion (Market capitalization for Rocket Companies, of which Rocket Mortgage is the flagship business.)

Rocket Mortgage is the self-proclaimed biggest mortgage lender in the U.S. Formerly known as Quicken Loans, it changed its name to Rocket Mortgage in 2021 to reflect its focus on helping people obtain mortgages more easily with a digital platform and innovative technology.

Rocket Mortgage introduced online mortgage lending. It offers an online application process, personalized closing time and location, 24/7 loan tracking, and award-winning customer service. In 2017, it became the largest residential mortgage lender in the U.S., beating out 30,000 others for the top spot.

In August 2022, it partnered with Q2 Holdings, a financial services firm offering digital transformation solutions for banking and lending, to provide its digital home loan application and live mortgage assistance inside of Q2’s online banking platform.

What Are Some Examples of Financial Services?

There are a variety of financial services offered by companies in the financial services sector around the world. These services involve banking, brokerage, mortgages, credit cards, payment services, real estate, taxes and accounting, and investment funds.

What Is the Biggest Financial Services Company?

Market capitalizations change all the time and, as a result, so do rankings. However, with a recent market capitalization of $430.20 billion, Visa tops the list of the worlds biggest financial services companies.

What Is the Largest U.S. Bank by Market Capitalization?

Based on a recent market capitalization of $338.47 billion, JP Morgan is the largest U.S. bank.

The Bottom Line

The financial services industry plays a crucial role in supporting healthy economies in many countries. The sector includes a range of companies that provide many kinds of financial services to both individuals and businesses.

Facilitating the flow of capital across the globe, the financial services sector is an essential part of everyday life in our modern, interconnected world.

Article Sources

editorial policy.

The Business Research. "Financial Services Market Expected To Reach Nearly $26521.67 Billion By 2022."

companiesmarketcap.com. "Market capitalization of Berkshire Hathaway (BRK-B)."

Berkshire Hathaway. "Berkshire — Past, Present, and Future," Pages 24-25.

Berkshire Hathaway. "Links to Berkshire Subsidiary Companies."

Disfold. "Top 30 Largest U.S. Financial Companies 2021."

companiesmarketcap.com. "Market capitalization of American Express (AXP)."

American Express. "Centurion Card from American Express Cardmember Agreement," Page 1.

companiesmarketcap.com. "Market capitalization of Wells Fargo (WFC)."

Board of Governors of the Federal Reserve System. "The Acquisition of Wachovia Corporation by Wells Fargo & Company."

Harvard Law School Forum on Corporate Governance. "The Wells Fargo Cross-Selling Scandal."

companiesmarketcap.com. "Market capitalization of Charles Schwab (SCHW)."

About Schwab. "Company History."

About Schwab. "Who We Are."

companiesmarketcap.com. "Market capitalization of PayPal (PYPL)."

PayPal. "Who We Are."

companiesmarketcap.com. "Market capitalization of Goldman Sachs (GS)."

Goldman Sachs. "About Us."

Goldman Sachs. "What We Do."

Goldman Sachs. "Apple Card and Issuer Goldman Sachs Ranked No. 1 in Customer Satisfaction."

companiesmarketcap.com. "Market capitalization of Rocket Companies."

Rocket Companies. "About Rocket Companies."

Rocket Mortgage. "Home Financing With Certainty."

Rocket Mortgage. "Q2 Holdings and Rocket Mortgage Announce Partnership Providing Digital Home Loan Process to Banks and Credit Unions."

companiesmarketcap.com. "Largest financial services companies by market cap."

companiesmarketcap.com. "Largest banks and bank holding companies by market cap."

Compare Accounts

Advertiser Disclosure

Provider

Name

Description

10 Biggest Banks in the World

How the Financial Services Sector Differs From Banks

Top 10 Holdings of 5 Top Money Managers

What Common ETFs Track the Banking Sector?

Top 10 Biggest Insurance Companies

10 Biggest Insurance Companies

Partner Links

Related Terms

Kenneth I. Chenault: Early Life, Education, Accomplishments

Kenneth I. Chenault is a former chair and CEO of American Express

Financial Services Forum: Definition, Mission, and Accomplishments

The Financial Services Forum is an organization representing the CEOs of the eight largest U.S. banks that advocates on financial and economic policy.

What Was FTX? An Overview of the Exchange

FTX was the third-largest centralized cryptocurrency exchange. Its founder now faces a lengthy prison sentence for contributing to its bankruptcy.

Silicon Valley: Definition, Where It Is, and What It's Famous for

Silicon Valley is an area in Northern California that is home to a large number of innovative technology companies.

Retail Banking: What It Is, Different Types, and Common Services

Retail banking consists of basic financial services, such as checking and savings accounts, among others, that are sold to the general public via local branches.

American Express Card (AmEx Card): Definition, Types, and Fees

An American Express card is an electronic payment card branded by the American Express Company.

About Us

Dictionary

Editorial Policy

Advertise

News

Careers

Investopedia is part of the Dotdash Meredith publishing family.

Please review our updated Terms of Service.

Financial Services | Deloitte SEA | Global services, reports, and industry insights

Please enable JavaScript to view the site.

Viewing offline content

Limited functionality available

Dismiss

Services

What's New

Sustainability and Climate

2023 Deloitte Global Impact Report

Digital Signature Issue

Audit & Assurance

Assurance Services

Accounting and Reporting Advisory

Accounting Operations Advisory

Business Assurance

Disruptive Events Advisory

Sustainability and Climate Assurance

Consulting

Strategy, Analytics and M&A

Customer and Marketing

Core Business Operations

Human Capital

Enterprise Technology & Performance

Financial Advisory

Mergers & Acquisitions

Turnaround & Restructuring

Forensic

Legal

Legal Management Consulting

Legal Advisory Services

Legal Managed Services

Dbriefs Legal

Deloitte Legal Around the World

Risk Advisory

Strategic & Reputation Risk

Regulatory Risk

Financial Risk

Operational Risk

Cyber Risk

Tax

Advisory and Transactions

Workforce, Technology, Analytics

Outsourced Compliance

Technology Consulting

Mobility, Payroll, Immigration

Reward, Employment Tax, Share Plans

Industries

What's New

Deloitte perspectives

Leadership perspectives from across the globe.

Future of Mobility

Learn how this new reality is coming together and what it will mean for you and your industry.

Smart Manufacturing

Explore the value of smart manufacturing and smart operations

Consumer

Automotive

Consumer Products

Retail, Wholesale & Distribution

Transportation, Hospitality & Services

Energy, Resources & Industrials

Energy & Chemicals

Industrial Products & Construction

Mining & Metals

Power, Utilities & Renewables

Financial Services

Banking & Capital Markets

Insurance

Investment Management

Real Estate

Government & Public Services

Central Government

Defense, Security & Justice

Health & Human Services

Infrastructure, Transport & Regional Government

Life Sciences & Health Care

Health Care

Life Sciences

Technology, Media & Telecommunications

Technology

Telecommunications, Media & Entertainment

Careers

What's New

Life at Deloitte

People and culture make Deloitte a great place to work.

Benefits

At Deloitte, we place great emphasis on offering competitive benefits.

Candidate Profile

After submitting your job application, you may view or update your candidate profile here.

Job Search

Experienced Hires

Consulting jobs

Students & Graduates

Graduate Consulting jobs

Life at Deloitte

PH-EN

Location:

Philippines-English

PH-EN

Location:

Philippines-English

Financial Services

Deloitte’s financial services industry specialists provide comprehensive, integrated solutions to the banking & securities, insurance, and investment management sectors. Deloitte member firms’ breadth of services and industry knowledge allow us to understand each client’s unique business needs.

Banking & Capital Markets

Insurance

Investment Management

Real Estate

All

Solutions

People

Perspectives

Revving up the growth engine

Leveraging start-up principles and practices to break the growth paradox with Growth Hacking

Conventional growth strategies are high-risk, high-reward endeavours. By implementing a Growth Hacking practice, however, leaders can harness the collective power of numerous small-scale, targeted experiments to break existing trade-offs and shift towards a low-risk, high-reward growth paradigm.

Article

2024 banking and capital markets outlook

Banks’ strategic choices will be tested as they contend with multiple fundamental challenges to their business models. They must demonstrate conviction and agility to thrive.

Article

2024 global insurance outlook

Insurers evolving to address changing operating environment and precipitate even greater societal impact.

Article

2024 commercial real estate outlook: Finding terra firma

Realigning the global real estate industry to help meet new foundational realities.

Article

2023 Asia Pacific Financial Services Regulatory Outlook

Strengthening resilience in times of uncertainty

2023 Asia Pacific Financial Services Regulatory Outlook

Perspectives

Digital Banking Maturity 2022

Spotlight on Singapore

Digital Banking Maturity is the largest global digital banking study, providing a comprehensive assessment of retail banks’ digital channels and furthering discussion about future developments.

Article

2024 banking and capital markets outlook

Banks’ strategic choices will be tested as they contend with multiple fundamental challenges to their business models. They must demonstrate conviction and agility to thrive.

Article

2024 global insurance outlook

Insurers evolving to address changing operating environment and precipitate even greater societal impact.

Article

2024 commercial real estate outlook: Finding terra firma

Realigning the global real estate industry to help meet new foundational realities.

Article

2023 Asia Pacific Financial Services Regulatory Outlook

Strengthening resilience in times of uncertainty

2023 Asia Pacific Financial Services Regulatory Outlook

Perspectives

Becoming an exponential enterprise

How financial institutions in Southeast Asia can fortify their ability to win and activate their capacity for change

Given today’s fundamentally different operating environment, the success of financial institutions will depend on their ability and willingness to transform continuously and advantageously in the face of change and disruption.

Perspectives

Becoming an exponential enterprise

How financial institutions in Southeast Asia can fortify their ability to win and activate their capacity for change

Perspectives

Intelligent automation in insurance

Moving up the automation maturity curve

Insurers who have been successful at scaling tend to be those with a clear vision, strategy, and approach to capturing value from automation. In this report, we will present a four-phase approach that we have developed to help insurers move up the automation maturity curve.

Deloitte Insights

Tech Trends 2023

Macro technology forces and the business of IT

Deloitte’s 14th annual Tech Trends report explores the impact and opportunities of emerging technologies in both innovation and foundational business areas.

Analysis

Asia Pacific Financial Services Regulatory Quarterly Updates

The Deloitte Asia Pacific Centre for Regulatory Strategy is pleased to share with you the key regulatory updates from around our region.

Learn more.

Perspectives

Bank of 2030: Transform boldly

Future of banking

Bank of 2030 highlights the challenges, opportunities, and new possibilities in the future of the banking industry.

Article

Robots are here

The rise of robo-advisers in Asia Pacific

Article

Securing the public cloud

Addressing the technology and cyber security risks associated with public cloud adoption

Perspectives

Transforming Financial Crime Management Through Technology

Article

2021 Asia Pacific Financial Services Regulatory Outlook

The world continues to face a formidable common challenge in the COVID-19 pandemic. Yet the economic implications of and public health response to the pandemic has been varied between regions and jurisdictions.

Article

Climate-related risk stress testing

Today’s climate crisis urges us to rethink and reinvent our economy. Businesses need to change and meet higher expectations of sustainability, and along with this, higher expectations of their approach to risk management.

Article

Restoring Trust in Financial Services

3 key levers for conduct risk management

Article

Digital Banking Maturity 2020

Spotlight on Singapore

Perspectives

Digital banks in Asia Pacific

Adding value to financial services?

Article

Last mile of the customer service experience

The next battleground in retail banking

Article

Realizing the digital promise

Top nine challenges to digital transformation for financial institutions

Article

Realizing the digital promise

Key enablers for digital transformation in financial services

Perspectives

Realizing the digital promise

COVID-19 catalyzes and accelerates transformation in financial services

Article

2020 Asia Pacific Regulatory Outlook

Rebuilding trust in financial services

Article

Payment Services in Singapore

A summary of the local regulatory framework

This document summarises the principal regulatory obligations of different types of payment services providers in Singapore.

Perspectives

Blockchain for Investment Managers

Are we there yet?

Article

The future of digital payments

Choices to consider for a new ecosystem

Customers are used to seamless payments for most daily transactions – with ever-increasing expectations for integrated and secure ways to pay for any product or service. For players in the digital payments ecosystem across Southeast Asia, that means a set of real choices to consider.

Article

Project Ubin – SGD on Distributed Ledger

The future is here

Solutions

Centre for Regulatory Strategy, Asia Pacific

The Deloitte Centre for Regulatory Strategy is a source of critical insight and advice, designed to help clients to anticipate change and respond with confidence to the strategic and aggregate impact of national and international regulatory policy.

IFRS 17

The IASB published a new standard, IFRS 17 'Insurance Contracts' on Thursday 18 May. The key task for insurers right now is to make the appropriate implementation decisions. Read the report to learn more.

Consulting

Innovation, transformation, and leadership occur in many ways. The ability to solve complex issues is critical. Together, we can help you imagine, deliver, and run your business, wherever you compete, using the latest technologies like cloud and cognitive, from strategy development through implementation.

Insurance in Southeast Asia

Deloitte’s insurance group in Southeast Asia brings together specialists with deep industry knowledge from actuarial, risk, operations, technology, tax and audit.

Get In Touch

Thio Tse Gan

Cyber & Strategic Risk Leader, SEA | SEA FSI Leader

tgthio@deloitte.com

+65 6216 3658

Contact Deloitte

Search Jobs

Submit RFP

Global office directory

Office locations

PH-EN

Location:

Philippines-English

About Deloitte

Home

Ethics & compliance

Newsroom

Office locator

Global Office Directory

Press releases

Events

Submit RFP

Our impact

Services

Audit & Assurance

Consulting

Financial Advisory

Legal

Risk Advisory

Tax

Industries

Consumer

Energy, Resources & Industrials

Financial Services

Government & Public Services

Life Sciences & Health Care

Technology, Media & Telecommunications

Careers

Job Search

Experienced Hires

Students & Graduates

Life at Deloitte

About Deloitte

Privacy

Deloitte refers to one or more of Deloitte Touche Tohmatsu Limited (“DTTL”), its global network of member firms, and their related entities (collectively, the “Deloitte organization”). DTTL (also referred to as “Deloitte Global”) and each of its member firms and related entities are legally separate and independent entities, which cannot obligate or bind each other in respect of third parties. DTTL and each DTTL member firm and related entity is liable only for its own acts and omissions, and not those of each other. DTTL does not provide services to clients. Please see www.deloitte.com/about to learn more.

Financial Services – Our latest thinking

skip to the content

EY Homepage

Open search

Close search

See all results in Search Page

Close search

No results have been found

Recent searches

See all results for

Topics

General

People

Trending

As data personalizes medtech, how will you serve tomorrow’s consumer?

18 Jan 2021

Open Navigation Menu

Close Navigation Menu

Insights

Asking the better questions that unlock new answers to the working world's most complex issues.

Explore

tp钱包官方app下载|financial services

tp钱包官方app下载|financial services

Importance and Components of the Financial Services Sector

Financial services - Wikipedia

Types of Finance and Financial Services

Financial Services, from The Report: Philippines 2021 - Oxford Business Group

Philippines Financial Services Sector Research Highlights - Oxford Business Group

Seven Forces Shaping the Future of Financial Services | Deloitte US

What Are Financial Services? - Back to Basics: Finance & Development, March 2011

What Companies Are in the Financial Services Sector?

Financial Services | Deloitte SEA | Global services, reports, and industry insights

Financial Services – Our latest thinking

菜单

支持

Follow

tp钱包官方app下载|financial services

tp钱包官方app下载|financial services

Importance and Components of the Financial Services Sector

Financial services - Wikipedia

Types of Finance and Financial Services

Financial Services, from The Report: Philippines 2021 - Oxford Business Group

Philippines Financial Services Sector Research Highlights - Oxford Business Group

Seven Forces Shaping the Future of Financial Services | Deloitte US

What Are Financial Services? - Back to Basics: Finance & Development, March 2011

What Companies Are in the Financial Services Sector?

Financial Services | Deloitte SEA | Global services, reports, and industry insights

Financial Services – Our latest thinking

最近的新闻

您可能喜欢的文章

tokenpocket旧版本下载|hook

tokenpocket安卓版免费下载|illegal

比特派助记词忘了怎么办

安卓手机怎么下载比特派app

比特派下载后怎么使用手机

比特派无法登录怎么办啊

比特派怎么看是否被授权