Globalisation of Financial Services

The increase in foreign ownership of banks in emerging markets is one facet of the ongoing consolidation of banking systems in both mature and emerging markets. The franchise value of banking license reflects the discounted value of the net profits. That bank would be expected to earn over time. For instance, telephone and electronic banking, have been widely used by foreign banks to gain market penetration in European markets and more recently in emerging markets, especially in Asia.

Comments

Why do we crave bookshops when life falls apart? A deep reading of Welcome to the Hyunam-dong Bookshop

This article reflects on Welcome to the Hyunam-dong Bookshop by Hwang Bo-reum, a gentle novel about burnout, healing, and second chances. Through Yeong-ju and her quiet community, the book reminds you that meaning often returns slowly, through books, people, and ordinary days that begin to feel like home again. Why do so many of us secretly dream of walking away from everything? At some point, usually on a crowded weekday morning or during yet another meeting that could have been an email, you wonder if this is all there is. You did what you were told. You studied, worked hard, built a career, stayed responsible. And yet, instead of contentment, there is exhaustion. Welcome to the Hyunam-dong Bookshop begins exactly at this uncomfortable truth. Hwang Bo-reum’s novel does not shout its intentions. It does not promise transformation through grand revelations. Instead, it sits beside you quietly and asks a gentler question. What if the problem is not that you failed, but that you nev...

Spill the Tea: Noor and the Silence After Doing Everything right

Noor has done everything she was supposed to do — moved out, built a life, stayed independent. Yet beneath the neat routines and functional success lies a quiet emptiness she cannot name. Part of the Spill the Tea series, this story explores high-functioning loneliness, emotional flatness, and the unsettling fear of living a life that looks complete from the outside. The verandah was brighter than Noor expected. Morning light lay flat across the tiles, showing every faint scuff mark, every water stain from old monsoons. The air smelled of detergent from a neighbour’s washed curtains flapping overhead. On the table, the paneer patties waited in a cardboard bakery box I’d emptied onto a plate. A squeeze bottle of ketchup stood beside it, slightly sticky around the cap. Two cups of tea, steam already thinning. In one corner, a bamboo palm stood in a large terracotta planter. Thin stems. Too many leaves. Trying very hard to look like it belonged indoors. Noor sat down and pulled the chair ...

Cutting people off isn’t strength—It is a trauma response

Your ability to cut people off and self-isolate is not a skill you should be proud of—It is a trauma response Cutting people off and self-isolating may feel like a protective shield, but it is often rooted in unresolved or unhealed trauma and an inability to depend on others. While these behaviors seem like self-preservation, they end up reinforcing isolation and blocking meaningful connections. Confronting these patterns, seeking therapy, and nurturing supportive relationships can help break this unhealthy cycle. Plus, a simple act like planting a jasmine plant can symbolise the start of your journey towards emotional healing. Why do we cut people off and isolate? If you’re someone who prides themselves on “cutting people off” or keeping a tight circle, you might believe it’s a skill—a way to protect yourself from betrayal, hurt, or unnecessary drama. I get it. I’ve been there, too. But here’s the thing: this ability to isolate yourself is not as empowering as it may seem. In fact, i...

Tushar Mangl Media

Search This Blog