Online travel agencies IT spending refers to the investment made by these companies in technology infrastructure, software systems, and digital platforms necessary for their operations. This includes expenditures on website development and maintenance, booking engines, customer relationship management (CRM) systems, payment gateways, mobile app development, and other IT-related projects. Online travel agencie IT spending is aimed at improving the online booking experience, enhancing user interfaces, ensuring secure transactions, managing customer data, and optimizing overall operational efficiency.

Middle office outsourcing refers to the packaging of traditional middle-office functions, such as trade processing, reconciliations, corporate actions and investment accounting, with new data aggregation, storage and analytics services. These middle-office operations are outsourced for competitive advantages.

A government open data management platform is a centralized system or platform used by governments to store, manage, and publish their open data initiatives. It serves as a repository for government agencies to collect, organize, and share various types of data with the public and other stakeholders. These platforms often provide tools for data cleaning, quality assurance, metadata creation, and data visualization. They aim to promote transparency, accountability, and data-driven decision-making by making government data more accessible and usable to the public.

Foreign exchange is a mechanism that allows people to swap currencies from other countries. This is done with credit instruments such as foreign currency bills, bank draughts, and telephone transfers. An electronic network of banks, financial institutions, brokers, and private traders facilitates capital transfers. Forex has a wide range of uses, including transferring payments to support the trade of commodities and services between nations.

Financial analytics is the process of using data analysis and mathematical models to evaluate financial data and make predictions, leading to informed financial decision-making. This practice involves the examination of various financial information, including historical and current financial data, to gain insights into an organization or individual financial health and performance.

The global defense IT spending market refers to the expenditures made by various defense agencies and organizations worldwide on information technology (IT) products, services, and solutions. This includes investments made in hardware, software, networking, communications, cybersecurity, data analytics, artificial intelligence (AI), cloud computing, and other IT-related domains within the defense sector.

Core banking can be termed as a back-end system, which involves the processing of banking transactions across various branches of a bank on a single platform. Core banking solutions is a banks centralized system, responsible for ensuring seamless workflow by automating front-end and back-end processes within a bank. Moreover, core banking solutions provide customers with access to banking facilities from any bank branch across the country and facilitate information across delivery channels.

北京证券交易所、全国中小企业股份转让系统根据《证券公司执业质量评价细则》，对 113 家券商（12 家证券公司子公司纳入其母公司合并评价，合并后共 101家）2023 年度的执业质量情况进行了评价。2024 年 1 月 29 日，2023 年度证券公司执业质量评价结果公告。2024 年 1 月 19 日，北交所发布 2023 年做市商年度评价结果。根据《北京证券交易所股票做市交易业务指引》，国金证券荣获 2023“年度最佳做市商”，国投证券、中信证券荣获 2023“年度优秀做市商”。

除美联储政策外，金砖国家货币政策选择受贸易收支及国际资金流动的影响亦较大。疫情初期金砖国家先后跟随美联储大幅降息，伴随经济逐步走出疫情阴霾，各国货币政策分化态势较为明显。美联储政策路径、大宗商品价格走势等是影响金砖国家金融市场表现的重要因素。

合作模式多样，银保亟待焕新。2020 年以来，个险迎来深入转型期，新单与 NBV 明显承压，银保补位趋势明确。2023 年下半年以来，多项监管规定与行业自律公约落实后，行业费用率水平趋于一致，银保渠道的竞争焦 EMISPDF cn-hbsti from 219.139.243.254 on 2024-02-23 01:50:14 GMT. DownloadPDF.点将从手续费转向保险公司和银行的合作关系，银保业务发展亟需合作模式焕新，预计头部险企有望率先突出重围。我国银保以分销协议合作模式为主，银行渠道资源有限、费用竞争激烈，不利于行业高质量发展，银保业务合作亟需转型焕新。总体来看，银保业务的合作模式根据商业银行与保险公司的合作紧密程度从低到高主要分为协议合作、战略合作、合资公司和金控集团 4 种，各有千秋。