Banking stocks and Banking Industry का FUTURE | Abhishek Kar - YouTube

If you all want to invest on Banking industry then you should know about banking industry's future

what developments are there and how investors should catch the trend and which trends are coming in banking sector

so in todays video we will understand all this so let's start

First thing the banks which will adopt with latest tech will be at first

massive work is going on in the field of Cognitive Technology, Artificial Intelligence,

Blockchain technology, Robotics process automation

Fintech and lots of thing like Cyber security

Where top banks like ICICI Bank, HDFC Bank, Kotak Bank and Fedrel Ban

are the one, who are top all these

but where state run banks are a bit behind in this things

So here the question arises that if we want to invest then what technology should that bank have

and in what way should we select them

well, banks grow by two ways. First , partnership with payment banks and second in the form of NEO bank

about this I will explain in details but before the tell in comment

that which banking stocks are there in your portfolio in which you are betting for 4-5 years

In India their are 1000 million subscribers with mobile phones and payment banks are trying to take an advantage of this

because everyone knows that mobile banking is the future

if you will notice then, license issued by RBI for the payment banks of India

are telecom players in every cases which has mobile wallets

if you will see their camping's encourage them "Jan Dhan Yojana" , " Aadhaar Act" etc or digital India

this payment banks collaborate with their customers

and give them facilities like loan, insurance, payment gateway and digital wallets

this is creating a big profit in banking industry special for three reason

first India is fast becoming digital economy

where there are more then 1 billion phones and more then 330 million internet users

and 240 millions people are using smart phone

and because of the relaxation of KYC norms and enabling two-factor authentication the security has increased

systems like UPI has came into market and by using AI learning machines a lot of profit can be build

let me give you some example in the foreign way that how they developed and now going in our country

like UBS bank using their AI model has analyzed 85 M

Singapore customers behavior and started providing services according to them

Sweden's Swedbank using their AI model has interacted 30 thousand customers and solved their 78% problem in first 3 months

Goldman Sachs using his cloud based software found out the answer of 65 million complex questions

and in this way served their customer that when and which drug should be approved,

and how industrial influence affect your investment etc and help them making their portfolio

and for analyzing this best solutions were given, isn't it amazing feature

it will be more amazing if you will like this video this gives us motivation

but now your question will be that all this where foreign examples so tell us about what Indian banks are doing

how this trend came, so definitely we will discuss Indian cases

currently the best concept in India is NEObank

basically in NEO banks your all bank works can be done virtually without going bank

let me tell you form 2019,

fintech space are recieving billions & billions of investments specificially in the concept of NEO bank

so when we are taking about NEO bank before understanding other technical aspect of development of banking industry

let me tell you that even you can take the benefit of NEO bank with 100% digital experience

with none other than Jupiter

in Jupiter you can open your account in 3min and maintain

with 0 balance, 0 maintenance cost and with no hidden charge

when ever you need chart support is their for you and whenever you use your debit card or UPI you will get rewards

saving account is backed by federal bank and their are more additional features which makes it more unique

like death tracker, lone and EMIs reminder, portfolio tracker from where you will know about your risk and exposer

and many more exciting features

and now even you can do instant online payments, track, analysis and real time track your investment

and meet your every savings goals using jupiter so what are you waiting for link is their in the description

now I will tell you about some Indian cases

if we talk about ICICI bank then ICICI bank had adapted technology and development group 1 year before

with which they focus on artificial intelligence chatbots, what happens here ?

this bots help their customers according to their loan needs

then AXIS bank came and launched thought factory here they brought block chain artificial intelligence

and with the help of cloud without main power without going to bank you can take facilities of bank

like credit, deposit, wealth management mobile payments etc

after that HDFC bank has done the work and also Kotak bank tied up with data analytics company hikal technology

with this real time news, market information, trading and future options provided to their customers

with out any man power

what can be concluded by this ?

we can understand that banks like HDFC, ICICI, Kotak, Axis banks are already one step ahead against their peer group

and the same way we made that trends video last week,

by the way if you haven't watched then I will put the link in the description, you guys can go and check out there

so according to that we have seen that their is a high possibility that share holder is this banks can also take advantage

one more final technology that is coming in this field is Block-chain and distributed ledger system

and after last 3 years in Fintech startup those who working on blockchain has

raised 1.4 billion dollar of capital through VC and filled 2500 patents are filed

for narrow down this concept in India will take some time, foreign has already started

so make sure you keep looking news which Indian banks are adopting blockchain technologies

so finally we as a stock market participant in what things we should be focused on ?

First remember that when in 90's ATM's and electronic funds transfer came

so HDFC bank and ICICI bank where the earlier to adopted this concept

due to which their was a value unlocking and we saw a huge jump in shares in upcoming time

so in the same way whenever you see any banks promoter on TV/news channel then you have to keep this banks in your radar

next after 2016s demonetization UPI use and digital adoption has increased a lot in India

and because of this the companies working on digital interface and ease of customer satisfaction and technologies

they will dominate this phase, finally you should be aware of some concept like

capital adequacy ratio, non preforming assets and net interest income

and now you might be thinking that what are this so well let me tell you

wait.. all are the advance concept those teach in training in 40 to 50 thousands I will try to teach you

why in so hurry? lets wait for 15 thousand likes on this video

and if in comes then very soon I will make separate video in this concept

Till then keep learning, keep growing, keep investing, keep trading

and make sure you check out jupiter's link in the description

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