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Financial services is a term used to refer to the services provided by the finance industry. Financial services is also the term used to describe organizations that deal with the management of money. Banks, investment banks, insurance companies, credit card companies and stock brokerages, are examples of the types of firms comprising the industry, which provides a variety of money and investment related services. Financial services is the largest industry (or industry category) in the world, in terms of earnings; as of 2004, the industry represents 20% of the market capitalization of the S&P 500.*
History of financial services
United States: Gramm-Leach-Bliley Act
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 in the US financial services industry to merge. Critics of this act say the term financial services attempts to make the unison of these operations sound natural, ignoring the history of problems that have arisen from combining them, such as conflicts of interest and monopolization. Others, noting that many of the restrictions abolished by the Gramm-Leach-Bliley Act had never existed in other countries or had been abolished earlier than in the US, say the term financial services is a natural one, in long term use, which means nothing more than its constituent words.In the USA almost every company now which previously described themselves as a bank, insurance company, or brokerage house, now describes themselves in some way as a financial services institution. Allstate Insurance, for example, now provides CDs and investment brokerage services. Bank of America offers full featured brokerage products, while E*TRADE has expanded into offering bank accounts and loans. Companies usually have two distinct approaches to this new type of business. One approach would be a bank which 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 US, e.g., in 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. This is essentially the style of Citigroup and JP Morgan Chase.
More on [ Financial services ]
Financial Services :: Business and Economy
Canada :: Debt Agencies
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GetFinManagJobs (GetFinManagJobs) Fri, 25 Dec 2009 08:05:08 -0000
Career Change - Women's Financial Services Sales - Pittsfield, MA (http://tinyurl.com/yjyurgc) Get Financial Management Jobs
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FinanceJobsUS (JobHits.net Finance) Fri, 25 Dec 2009 07:38:25 -0000
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Stream Global Services Appoints Dennis Lacey to Executive Vice President and Chief Financial Officer http://twa.lk/Dnw4Z
wwwentrepreneur (entrepreneur) Fri, 25 Dec 2009 07:34:55 -0000
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LosAngelesJobz (Los Angeles) Fri, 25 Dec 2009 07:24:09 -0000
Jobs in Los Angeles: Commercial Risk Manager - CA-Torrance, Toyota Financial Services Our people are the driving f... http://ow.ly/16dgyp
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Credit Services - Mortgage preapprovals, purchases, early renewals, transfers, consolidations, lines of credit.
Meta Description: [ The Mortage Centre gets you the lowest interest rates and
the best deals on mortgages in Canada, offered by 25 of
the leading Canadian banks, trust companies, and lending
institutions. ]
Debt Consultants - Assists people and businesses across Canada with financial consulting, debt consolidation, and mortgage assistance.
Meta Description: [ AAA Credit Counsellors & Debt Consultants help people all across Canada with financial help and consulting. ]
ATM Machine Placement Network - Offers placement consulting, training and service for all makes of ATM transaction processing system machines. Describes services and officers means of contact.
Meta Description: [ Offers placement consulting, training and service for all makes of ATM transaction processing system machines. ]
Canadian Business Publications - Publishers of an annual directories with information about government small business grants and loans.
Meta Description: [ Canada grants, loans and government programs for your business and personal projects can be found in our business publications for Canadian business people. ]
Canadian Credit Report - Offers online consumer credit reports and CreditGuard, a credit monitoring service for Canadian residents only.
Canadian Money Search - Helps Canadians find bank accounts they may have forgotten, free of charge. Includes information, and search.
Cashmoney - Offers cheque cashing, money orders and other personal financial services through locations in four provinces.
Ceridian Canada Ltd. - Provides payroll and HRMS services to businesses of all sizes. Includes location information, as well as product and services details.
Meta Description: [ Ceridian is one of Canada's leading HR solutions provider for businesses of all sizes. Our solutions include HR outsourcing (HRO), HR information systems (HRIS), payroll, employee assistance programs (EAP), recruitment, staffing, training and employee development. ]
CitiFinancial Canada - Specialises in personal, home equity and debt consolidation loans. Includes branch locator, description of services and company profile.
Meta Description: [ CitiFinancial, a Canadian consumer finance company, specializes in Personal Loans, Home Equity Loans and Debt Consolidation Loans and offers on-line loan applications in French and English. CitiFinancial is a subsidiary of financial services giant Citigroup. ]
Direct Advance - Offers payday loans and cash advances deposited directly into users' chequing accounts.
Meta Description: [ Fast cash. No hassle. Borrow up to $500 until Payday. Get a payday loan or cash advance deposited directly into your account today. Payday Loans ]
DirectPay.ca - Offers a convenient way to collect and/or distribute money, for rent collection, payroll or bill payments.
Meta Description: [ DirectPay Financial is a Toronto based e-payment gateway alternative. Through using leading edge Electronic Funds Transfer Technology (EFT), DPF can expedite the transfer your funds in a secure and efficient manner. ]
Dun and Bradstreet Canada - Offers business-to-business credit, marketing, purchasing, and receivables management and decision-support services worldwide. Site search option, services and resources lists, links to related sites and contact information.
E. K. Williams and Co. - Offers business management services to independent maintenance and repair businesses of the automotive aftermarket industry, including specialized business training, with centres in Ontario and Atlantic Canada.
Meta Description: [ E.K. Williams & Co. (Canada) ]
Farm Credit Canada - Institution specializing in loans, business and financial services to Canadian agriculture.
Federation of Canadian Independent Deposit Brokers - Includes an FAQ, and lists financial institutions, deposit brokers and agents.
Home Trust Secured VISA - Offers a secured credit card to Canadian residents except Quebec.
Meta Description: [ Virtually everybody is approved for Home Trust Secured VISA also known as secured credit card. Home Trust secured credit card will allow you to build or rebuild a solid credit rating. Print your visa application and mail it to Home Trust Company. ]
Kingsdale Capital Corporation - An integrated financial services institution whose core business divisions include strategic business consulting, investment banking, business financing, mineral resource financing, capital markets, fund management and private wealth management.
Meta Description: [ Kingsdale Capital Corporation is a national integrated financial services institution. We provide mid-size, growth-oriented companies with access to fully integrated suite of financial services. ]
Learning Dividends - Creates online educational material in finance for banks, financial institutions and the post-secondary education market. Offers company profile, description of products and services, rates and publications.
Meta Description: [ Leaders in the creation of advanced systems for web-based or CD-ROM delivered electronic learning solutions in Calgary, Alberta Canada. ]
Ledgers.com - Franchised network providing professional bookkeeping services to small businesses.
Meta Description: [ Professional Accounting and Business Services ]
Loanbanx - A personal loan service for Canadians, with assistance in finding deals for loans and mortgages and offers free personal finance resources with information about credit and debt.
Loss Prevention Group - Provides retail, hospitality and manufacturing sectors with loss prevention and profit retention services. Lists contact information and summary of services offered.
Meta Description: [ Loss Prevention Group, National Investigations, Risk Assessment, Information Protection, Security Consulting, Brand Protection, Crisis Management, Field Research,Workplace Compliance, Employee Awareness, Business Integrity, Retail Investigations ]
MoneySense.ca - Source for personal finance and investment information. Features news and information on investing, planning, spending, tools, rates, small business and portfolios.
Morochove's AccountNetGuide - Directory of accounting and financial information resources with a Canadian emphasis from computer consultant Richard Morochove, FCA.
Nationwide Payday Advance - Provides cash advances based on paycheque. Offers company history, FAQs and online application.
OnlinePlanner.ca - An online network for Canadian personal financial planning information, offering tools, resources and advice.
Meta Description: [ OnlinePlanner.ca: Main Page ]
Professional Referrals.ca - An information portal and referral service for financial, tax and estate planning advisors as well as legal counsel in Canada.
Stop 'N' Cash Inc. - Offers temporary financial assistance to individuals requiring immediate cash for short-term periods. Lists branch locations, contact details and franchise information.
Meta Description: [ Stop 'N' Cash Where every day is Payday! Need your money today? We are here to help you get it done, get it fixed, get it resolved. Our mission is to provide alternate financial services throughout Canada. Services include payday loans, cheque cashing, prepaid products, interac cash access, be... ]
Travelers Financial Group - Provides lending and financial solutions for personal and corporate clients. Lists several reasons for borrowing and answers frequent questions.
Meta Description: [ Travelers Financial Group is a leader in the provision of Canadian finance services and solutions to consumers, vendors and financial intermediaries in North America. ]
Visa Canada - Information on Visa credit cards and programs in Canada, including information on business purchasing, business cards, business solutions and employment.
Meta Description: [ The Visa Small Business Website is your online business resource centre with VISA Business card features and benefits, insightful articles, business guides, tips, tools and Visa Savings for Business offers. ]
www.Bankapplication.com - Offers online credit pre approval application services for vehicle and marine financing.
Meta Description: [ Bank application provides secure pre approved auto loans financing rv loans financing marine loans
financing in Canada ]
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