period

PRELIMINARIES
By Jasper Tabernilla
 03 OLD FINANCIAL ENVIRONMENT

06 KEY CHARACTERISTICS

TABLE OF 07 CHALLENGES

CONTENTS 08 NEW FINANCIAL ENVIRONMENT

11 KEY CHARACTERISITCS

12 OPPORTUNITIES
 old
FINANCIAL ENVIRONMENT
By Jasper Tabernilla
OLD FINANCIAL
ENVIRONMENT
The "old financial
environment" typically refers
to the traditional or
conventional financial system
and practices that were
prevalent before significant
technological advancements
and regulatory changes
transformed the financial
industry.

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OLD FINANCIAL
ENVIRONMENT
The old financial
environment refers to the
traditional financial system
that prevailed before
significant technological
advancements and
regulatory changes. It largely
existed before the 21st
century and was rooted in
physical processes, paper-
based documentation, and
manual trading.
 key
CHARACTERISTICS
1. Physical Transactions: Transactions primarily occurred in physical locations
like stock exchanges, banks, and trading floors.
2. Paper-Based: Documentation and record-keeping were predominantly
paper-based, making processes slow and cumbersome.
3. Limited Access: Access to financial services was often restricted, and
individuals relied heavily on brick-and-mortar institutions.
4. Centralized Control: Financial institutions had significant centralized
control over the flow of money, investment opportunities, and lending.
5. Slow Settlement: Settlement of transactions took several days, resulting in
delays in accessing funds.
 challenges
CHALLENGES
1. Lack of transparency and real-time information.
2. Limited accessibility for individuals in remote
areas.
3. High transaction costs and fees.
4. Limited opportunities for small investors.
5. Susceptibility to fraud and security breaches due
to paper-based systems.
 new
FINANCIAL ENVIRONMENT
By Jasper Tabernilla
NEW FINANCIAL
ENVIRONMENT
The "new financial
environment" refers to the
contemporary financial
landscape shaped by
technological advancements,
changes in consumer behavior,
and evolving regulatory
frameworks.
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NEW FINANCIAL
ENVIRONMENT
The new financial environment
is characterized by
technological innovations and
regulatory changes that have
transformed the industry. It
has emerged in the 21st
century and continues to
evolve rapidly.
 key
CHARACTERISTICS
1. Digital Transformation: Financial processes, including banking, trading, and
investments, have gone digital, enabling real-time transactions and data access.
2. Fintech Revolution: The rise of fintech companies has disrupted traditional
financial services, offering innovative solutions such as mobile payments, peer-to-
peer lending, and robo-advisors.
3. Blockchain and Cryptocurrency: The emergence of blockchain technology has
given rise to cryptocurrencies like Bitcoin, which offer decentralized and secure
transaction alternatives.
4. AI and Machine Learning: Artificial intelligence and machine learning are used
for data analysis, risk assessment, and automated trading.
5. Global Access: The internet and mobile technology have expanded access to
financial services globally, including in underserved areas.
6. Fast Settlement: Transactions settle in real-time or within minutes, improving
liquidity and access to funds.
 opportunities
OPPORTUNITIES
1. Increased efficiency and speed in financial
transactions.
2. Access to a wider range of financial services.
3. Investment opportunities in emerging technologies.
4. Enhanced security and fraud prevention through
advanced technology.
5. Financial inclusion for individuals in remote or
underserved areas.
THANKS
FOR
09169953947

jaspertabernilla@gmail.com

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