If you are short of funds and planning to borrow from a fintech lending app, it is imperative that you stay careful about a number of things. At the outset, the app must be approved by the banking regulator, Reserve Bank of India (RBI).There have been several cases in the past where fake apps and agents managed to dupe gullible borrowers. Frauds in the name of lending are not an unusual phenomenon. Read this Livemint article to know more about whether it's safe to borrow via loan apps.Also Read | Can a pers ...

In a remarkable feat, DBS Private Bank’s multi-family office has soared to a record S$1 billion in assets under management (AUM) merely two years post-launch. The DBS Multi Family Office Foundry VCC (DBS MFO), which debuted in 2023, proudly claims the title of the world’s first bank-backed multi-family office. Since its inception, this financial innovator has attracted 25 ultra-high-net-worth (UHNW) families from across the globe, according to a press release from Singapore’s largest bank issued on Septembe ...

Travel website ixigo has rolled out the ‘Grand Travel Fest’ sale with unbeatable savings on flights and hotels. As the festive season draws closer, travellers can enjoy up to 15 per cent off on Flights & Hotels through exclusive bank partnerships.This is meant to make festive journeys more affordable; the sale ensures families and individuals using credit cards can plan trips home and celebrate together, without stretching their budgets.Travellers can enjoy up to 12% off on flights and hotels with ICICI Ban ...

The combination of a tax overhaul and festival demand is pushing credit growth higher. While this could give the economy a short-term lift, lenders are also weighing the risk of overextension.Prime Minister Narendra Modi’s “Diwali gift” has now kicked in. GST has been streamlined to two slabs, 5% and 18%, down from four, with a flat 40% levy on luxury and sin goods, as Finance Minister Nirmala Sitharaman announced on September 3. Most items earlier taxed at 12% or 18% now fall into the 5% band or are exemp ...

Key insight: Criminals exploited the banking system's "check float" period as a core part of the scheme.What's at stake: The scheme compromised the personal and financial security of individuals who now have ongoing fears about identity theft.Supporting data: Of the $1.2 million the criminals attempted to steal, banks only lost $22,000 to the scheme.Overview bullets generated by AI with editorial reviewA federal judge recently sentenced a Missouri man who orchestrated a check fraud operation using checks st ...

儿童网络安全威胁 - 犯罪分子利用人工智能工具通过儿童获取家庭信息 例如询问宠物名字等看似无害的问题 并尝试破解其他家庭成员在线账户[1] - 儿童缺乏生活经验 无法识别网络身份真实性 且对网络行为永久性认知不足 导致个人信息长期暴露风险[2] - 青少年阶段尤为脆弱 此时期开始拥有首个银行账户和社交媒体账号 同时伴随高风险在线行为倾向[2] 网络危害类型 - 发展性危害：屏幕暴露影响婴幼儿大脑发育 挤占对认知发展至关重要的非结构化游戏和人际互动时间[4] - 有害内容：年龄不适信息、虚假内容及篡改图像对儿童成长学习和判断力产生负面影响[4] - 恶意接触：网络捕食者为不良目的接触儿童并建立关系[4] - 隐私数据泄露：犯罪分子获取个人信息用于家庭成人成员或儿童本人的身份欺诈[4] - 心理情感疾病：过度社交媒体使用与焦虑抑郁身体形象问题睡眠不足体育活动减少及社交发展受阻存在关联[4] 防护措施 - 制定互联网访问规则和社交媒体使用年龄限制 部分家庭采用书面契约形式明确约定[5] - 实施物理限制如就寝后禁用设备 以及数字限制如屏蔽不良内容平台或配置安全虚拟私人网络[5] - 优先在线安全教育 解释警惕陌生网络接触的重要性 避免随机链接横幅广告和诱导性测验[5] - 限制社交媒体过度分享个人信息行为[5] 企业解决方案 - Equifax Complete Protection订阅服务提供月费3495美元的分层防护 包含Bitdefender家长控制功能限制子女访问特定网站和应用[6] - 每日信用监控与警报功能 及时通知Equifax信用报告关键变更如新信用卡或贷款申请[8] - WebScan功能监控暗网数据交易 检测个人信息是否被泄露[8] - ZeroFox提供社交媒体监控 预警账户可疑活动[8] - NordVPN提供在线数据加密 NordPass负责密码生成与存储 Bitdefender提供设备防护阻止网络钓鱼和病毒恶意软件攻击[8]

流动性状况 - 银行体系流动性盈余在9月21日下降至700亿卢比（7.94亿美元），为3月底以来最低水平 [1][7] - 近2.6万亿卢比资金因所得税和商品服务税支付而流出系统 [1][7] - 流动性盈余曾持续数周高于2.5万亿卢比的舒适水平 [7] 影响因素 - 政府支出增加将有助于在未来一周内抵消税收流出的影响 [2][7] - 债券赎回也将对流动性改善提供支持 [2][7] - 银行现金准备金率将在9月至11月期间分四次各降低25个基点，总计下调100个基点 [7] - 下一次降准将于10月4日生效 [7] 市场预期 - 预计流动性短缺状况是暂时的 [2][7] - 流动性盈余预计在未来几周内将回升至2-2.5万亿卢比 [6][7] - 10月份随着政府支出增加和降准生效，流动性状况将逐步改善 [7] 市场反应 - 银行表现出信心，仅从印度央行回购窗口借入少量可用资金 [7] - 银行体系资金量直接影响市场利率，包括消费者贷款利率 [1][7]

In this episode, Emily interviews Snehanjana Chatterjee, a 3rd-year international graduate student at Texas Tech. Snehanjana recounts her financial journey over the past few years, from how she funded her start-up expenses upon moving to the US to how she’s gained scholarships and awards to increase her income. Snehanjana volunteers to help international students acclimate to the US, and she shares some of their concerns and questions. Finally, Snehanjana asks Emily about banking and investing as an interna ...

行业趋势 - 近年来多家银行开始通过其门户网站为信用卡消费提供加速奖励积分 HDFC银行是先行者通过SmartBuy门户提供高达10倍奖励积分[1] - 美国运通推出Reward Multiplier平台提供高达5倍奖励积分 ICICI银行在2025年推出iShop门户提供高达12倍奖励积分 IDFC FIRST银行在移动应用中推出Travel & Shop部分提供加速奖励积分[2] - HSBC是最新推出加速奖励积分服务的银行通过推出HSBC Rewards | Travel with Points服务提供高达12倍奖励积分[2] HSBC Rewards | Travel with Points服务概述 - 该服务允许信用卡持卡人赚取加速奖励积分并通过积分兑换旅行服务包括航班、酒店住宿和租车等服务[4] - 服务由Hopper Technology Solutions (HTS)提供支持可通过HSBC印度网站和移动应用访问[4] - 服务面向五类HSBC信用卡持卡人：Prive、Premier、TravelOne、Visa Platinum和RuPay Platinum[8] 加速奖励积分结构 - HSBC Prive信用卡在酒店消费可获得12倍奖励积分(每150卢比消费获得60奖励积分) 在航班消费可获得6倍奖励积分(每150卢比消费获得30奖励积分) 在租车消费可获得2倍奖励积分(每150卢比消费获得10奖励积分)[6] - HSBC Premier信用卡在酒店消费可获得12倍奖励积分(每150卢比消费获得36奖励积分) 在航班消费可获得6倍奖励积分(每150卢比消费获得18奖励积分) 在租车消费可获得2倍奖励积分(每150卢比消费获得6奖励积分)[6] - HSBC TravelOne信用卡在酒店消费可获得6倍奖励积分(每150卢比消费获得24奖励积分) 在航班消费可获得4倍奖励积分(每150卢比消费获得16奖励积分) 在租车消费可获得2倍奖励积分(每150卢比消费获得8奖励积分)[6] - HSBC Visa Platinum和RuPay Platinum信用卡在酒店消费可获得6倍奖励积分(每150卢比消费获得12奖励积分) 在航班消费可获得4倍奖励积分(每150卢比消费获得8奖励积分) 在租车消费可获得2倍奖励积分(每150卢比消费获得4奖励积分)[6] - 加速奖励积分设有每月上限为每持卡人每日历月18,000积分 基础奖励积分(1倍)无上限[6] 服务使用条款 - 加速奖励积分将在交易结算后10天内计入持卡人账户[7] - 预订国内航班每段(单程)收取300卢比便利费 国际航班每段(单程)收取700卢比便利费[9] 积分兑换机制 - 持卡人可通过三种方式在平台支付：全部使用奖励积分支付、部分使用奖励积分部分使用信用卡支付、全部使用信用卡支付并赚取加速奖励积分[16] - HSBC Prive和Premier信用卡持卡人可按1:1比例兑换旅行奖励(1奖励积分=1卢比)[10] - 其他积分兑换选项包括购买礼品卡、商品、Apple商店产品以及转让给航空公司和酒店合作伙伴[10] 平台特色功能 - 最优价格保证：预订后24小时内若发现更低公开价格将退还差价作为旅行积分[12] - 价格下降保护：航班预订后10天内若价格下降最高可获得1,500卢比的旅行积分退款[13] - 免费取消政策：可提前3小时取消航班和酒店预订并获得100%退款[14] - 无外汇费用：所有旅行预订均以印度卢比(INR)计价不收取外汇费用[14] 服务价值评估 - 该平台为持卡人提供了赚取高达12倍加速奖励积分的机会可显著提升积分积累[17] - 平台提供的最佳价格保证、价格下降保护和免费取消等功能增强了用户体验价值[18] - 若未来在平台上推出带有加速奖励积分的礼品券将进一步增强HSBC信用卡的价值主张[18]

AU Small Finance Bank (AU SFB) has officially launched its ‘AU KOSMO Credit Card’, a credit card based on UPI (Unified Payments Interface) in partnership with Kiwi, a leading ‘Credit on UPI’ platform.UPI is fast emerging as the preferred payment option for credit cards now. In August 2025, UPI P2M (Person-to-Merchant) payments saw a 26% year-on-year growth, crossing ₹7.2 lakh crore in value. RuPay’s credit card market share has also grown significantly, rising from 3% in FY23 (2022-23) to nearly 12% in FY25 ...