Recap Daily Points – May, 2025

 

                             The BankingTutor                        Recap Daily Points  – May, 2025

2055. Angel Investor

An individual who provides early-stage funding to startups in exchange for equity is called Angel Investor or Angels. Angels help businesses take off with personal investments.

 

2056. Beta Testing

Beta Testing is a  pre-launch testing phase where a limited group of users tests the product to identify bugs and improve usability.

 

2057. Conversion Rate  

The percentage of website visitors who take a desired action, like making a purchase or signing up is known as Conversion Rate. Higher conversion rates mean better engagement.

 

2058. Accelerator   

Accelerator is a program that provides mentorship, resources, and funding to help startups scale quickly.

 

2059. Growth Hacking

Growth Hacking is a marketing strategy focused on rapid experimentation and data-driven tactics to acquire and retain customers efficiently. 

 

2060. Garden Leave

A garden leave refers to the period of time during which an employee stays away from the workplace, or works remotely during the notice period. The employee remains on the payroll and is in the process of terminating their employment, but is neither permitted to go to work nor to commence any other employment during the garden leave.

 

2061. 𝐌𝐢𝐧𝐢𝐦𝐮𝐦 𝐕𝐢𝐚𝐛𝐥𝐞 𝐏𝐫𝐨𝐝𝐮𝐜𝐭 (𝐌𝐕𝐏)

A basic version of a product launched with minimal features to test market demand and gather feedback is called MVP..

 

2062. 𝐎𝐮𝐭𝐬𝐨𝐮𝐫𝐜𝐢𝐧𝐠

Hiring external experts to handle specific business functions, saving costs and allowing startups to focus on core operations is called Outsourcing.

 

2063. 𝐂𝐥𝐢𝐜𝐤-𝐓𝐡𝐫𝐨𝐮𝐠𝐡 𝐑𝐚𝐭𝐞 (𝐂𝐓𝐑)

The percentage of users who click on an ad or a link compared to the number of impressions. A high CTR indicates effective marketing.

 

2064. 𝐋𝐞𝐚𝐧 𝐒𝐭𝐚𝐫𝐭𝐮𝐩

The Lean Startup is a methodology for developing new businesses and products. It involves rapid experimentation and iteration to test ideas and determine if a business model is viable. The Lean Startup method can help companies get products to market faster and more efficiently.

 

 

2065. Hypothecation

Hypothecation occurs when an asset is pledged as collateral to secure a loan. The asset owner does not give up title, possession, or ownership rights, such as income generated by the asset. However, the lender can seize the asset if the terms of the agreement are not met. Hypothecation is different from a mortgage, lien, or assignment.

 

2066. 𝐄𝐱𝐢𝐭 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐲

Exit Strategy is a  plan for how founders and investors can monetize their investment, typically through selling the company or its assets, and can include options like acquisition, IPO, or buyout.

 

2067. Dark Cloud Cover

Dark Cloud Cover is a bearish reversal candlestick pattern where a down candle (typically black or red) opens above the close of the prior up candle (typically white or green), and then closes below the midpoint of the up candle.

 

2068. Hindu Rate of Growth

The Hindu rate of growth is a term used to describe the lower rate of economic growth observed in the Indian economy during the 1950s to 1980s and it averaged around 4%. This term was coined by an Indian economist, Raj Krishna in 1978.

 

2069. Consensus Estimate

A consensus estimate is a forecast of a public company's projected earnings based on the combined estimates of all equity analysts that cover the stock. 

 

2070. Passive Management

Passive management refers to index- and exchange-traded funds (ETFs) which have no active manager and typically lower fees.

 

2071.  TechFin

"TechFin" refers to technology companies, like Alibaba, Google, and Amazon, that enter the financial sector and offer financial services to their users, leveraging their existing technology infrastructure and customer base.

 

2072. Net Interest Income

Net interest income is a financial performance measure that reflects the difference between the revenue generated from interest-bearing assets and the expenses of interest-bearing liabilities.

 

2073. Escalator Clause

An escalator clause is also called an escalation clause and a contract provision that allows for an increase in the agreed-upon wages or prices if certain conditions change while the contract is in effect.

 

2074. Checks and Balances

Checks and balances are rules and procedures to reduce mistakes, prevent improper behaviour, or decrease the risk of centralization in an organization. Checks and balances prevent any one person or department from having absolute control over decisions and force cooperation in completing tasks. The term is most commonly used in the context of government but also refers to limiting power in businesses and organizations. 

 

2075. Modified Adjusted Gross Income (MAGI)

Modified adjusted gross income (MAGI) is individual's adjusted gross income (AGI) after taking into account certain allowable deductions and tax penalties. MAGI is an important number to understand since it is used in several different tax concepts.

 

2076. Sharpe Ratio

The Sharpe ratio compares the return of an investment with its risk. It's a mathematical expression of the insight that excess returns over a period of time may signify more volatility and risk, rather than investing skill.

 

2077. Restricted Stock Unit (RSU)

A restricted stock unit (RSU) is an award of stock shares, usually given as a form of employee compensation. The recipient must meet certain conditions before the restricted stock units are transferred to the owner.

 

2078. Congestion Pricing

The term congestion pricing refers to a dynamic pricing strategy designed to regulate demand by increasing prices without increasing supply. 

 

2079. Macro Environment

A macro environment refers to the set of conditions that exist in the economy as a whole, rather than in a particular sector or region. In general, the macro environment includes trends in the gross domestic product (GDP), inflation, employment, spending, and monetary and fiscal policy.

The macro-environment is closely linked to the general business cycle as opposed to the performance of an individual business sector.

2080. Year To Date (YTD)

Year to date (YTD) refers to the period beginning on the first day of the current calendar year or fiscal year up to the current date. YTD information is useful for analyzing business trends over time or comparing performance data to competitors or peers in the same industry. The acronym is often seen in references to investment returns, earnings, and net pay.

YTD analysis is useful for managers when reviewing interim financial statements in comparison to historical YTD financial statements.

 

2081. Asset Retirement Obligation (ARO)

In accounting, an asset retirement obligation (ARO) describes a legal obligation associated with the retirement of a tangible, long-lived asset, where a company will be responsible for removing equipment or cleaning up hazardous materials at some future date.

 

2082. Annual Revenue Run Rate (ARR)

Annual revenue run rate is a financial metric that estimates a company's future revenue by projecting current revenue over a year. It's also known as sales run rate or data annualization.

 

2083. Entity Locker

The National eGovernance Division (NeGD), under the Ministry of Electronics and Information Technology (MeitY) has developed Entity Locker,  is a secure, cloud-based solution that simplifies the storage, sharing, and verification of documents for a wide range of entities, including large organisations, corporations, micro, small, and medium Enterprises (MSMEs), trusts, startups and societies.

   

2084. Digital Credit Line

A digital credit line is a flexible loan facility provided by financial institutions that allows consumers or businesses to access funds as needed. Unlike traditional loans, where you receive a lump sum upfront, a digital credit line enables users to borrow varying amounts within a pre-approved limit. This option offers more flexibility and control over finances, especially for those who prefer borrowing in smaller amounts without the commitment of a full loan.

 

2085. Evening Star Pattern

An evening star is a stock price chart pattern that's used by technical analysts to detect when a trend is about to reverse. It's a bearish candlestick pattern that consists of three candles: a large white candlestick, a small-bodied candle, and a red candle.

Sekhar Pariti

01-06-2025                                                                                +91 94406 41014