Mobile payment is an alternative method for traditional payment systems where cash, cheques or credit cards are the medium of payment. Mobile payments provide customers a way to purchase any good or services with the help of wireless devices such as smartphones, tablets and others. In addition, mobile payments use different technologies such as NFC (Near Field Communication), SMS-based transactional payments and direct mobile billing, for improving the security of the transaction and to provide hassle-free transactions. Rise in penetration of smartphones across the globe and increase in the m-commerce industry in emerging countries are the major factors driving the growth of the market. In addition, upsurge in adoption of mobile payment services in emerging countries fuels the growth of the market. Furthermore, rising data breaches and security issues in mobile payments hampers the growth of the market. Furthermore, growth in usage of NFC, RFID and host card emulation technology in mobile payments and rise in demand for fast and hassle-free transaction services is expected to provide lucrative opportunity for the market.

Internet advertising is the process of using the internet as a medium to deliver marketing or promotional messages to an identified as well as intended audience. It helps to attract website traffic & brand exposure and is designed to encourage the targeted consumer to engage in a specific action such as making a purchase. It is one of the most effective ways for all size of businesses to find new customers, expand their reach, and diversify their revenue streams. The businesses are using internet advertising (such as banners, pay-per-call ads, payper- click ads, and pop-ups) in e-newsletters, on search engines, on compatible websites, and in online versions of magazines and newspapers as a way of reaching people who uses the internet for shopping or to gather information. Internet advertising not only helps brands to find the right audience but also helps keep the target audience engaged as it is a fast and easy way of advertising

The report on the residential real estate market presents a detailed analysis of the trends, future estimations, and thorough study of the market based on budget and size. The market segmentation based on budget includes less than $300,000, $300,001 to $700,000, $700,001 to $1,000,000, $1,000,001 to $2,000,000, and more than $2,000,000. By size, the market is fragmented into less than 50 square meters, 51-80 square meters, 81- 110 square meters, 111-200 square meters, and more than 200 square meters. The companies analyzed in the report are Arabtec Holding, Christie’s International Real Estate, Coldwell Banker Real Estate LLC, DLF Limited, Engel & Völkers AG, Hochtief Corporation, IJM Corporation Berhad, Lennar Corporation, Pultegroup, Inc., Raubex Group Limited, Savills plc, Sotheby's International Realty Affiliates LLC, Sun Hung Kai Properties Limited and Vinci.

Online banking is an electronic payment system, which allows the user to conduct financial transactions via the internet. In addition, it is also known as internet banking or web banking, and is designed to be convenient, thereby providing time-saving banking experience and real-time problem resolution services. However, banks should aim to provide more seamless experience between online & mobile channels and accelerate customer engagement to meet their demand, needs, & preferences.

“开门红”高预期增长持续兑现，年金险销售向好，有望继续提振保险股走势。得益于十年期国债收益率上行，经济复苏与利率上行趋势不断确认，保险资产端修复具有较强确定性。开门红产品以年金险+万能险为主要形态，保障期更聚焦、结算利率（高达5%）显著高于同期理财产品，具有较强竞争力。

短期从估值盈利匹配和均值回归角度，券商板块仍有上行空间。2020 年资本市场改革朝“深改12 条”目标加速推进，券商板块基本面持续向好，经纪投行两融业务发展已初步显现深改红利，结合2020Q4 市场数据看，券商板块全年净利润增速大概率超40%，业绩排历史第二。

2020 年12 月市场成交量环比下滑，IPO 业务提速，两融规模扩大。资本市场改革持续推进，证券行业的政策环境和生态体系继续改善，我们对证券行业维持“超配”评级。

上周招商银行、兴业银行及苏农银行披露2020 年业绩快报，业绩表现均高于预期。银行业经营环境改善，有望迎来业绩及估值的双重拐点。

为何银行会是今年胜负手？2021 年市场两条投资主线，“高估值+高景气”和“低估值+低预期”。市场对于“两高”主线已形成高度共识，决定胜负在于是否能够找对“两低”，关键在于基本面改善。

野村发表研究报告预期，寿险企业的最坏时刻已经过去，但产险企业仍面临挑战，中国平保(2318.HK)因业务优质，仍属野村长期心水股，同时，中国太平(0966.HK)、新华保险(1336.HK)、中国太保(2601.HK)及中国人寿(2628.HK)的风险回报吸引，全部给予买入评级。