260 Money Topics to Write About & Essay Examples

Looking for a topic about money? Money won’t leave anyone indifferent! There are lots of money essay topics for students to explore.

🏆 Best Money Essay Examples & Ideas

👍 good money essay topics, 💡 easy money topics to write about, 📃 interesting topics about money, 📑 good research topics about money, 📌 most interesting money topics to write about, ❓ research questions about money.

You might want to focus on the issue of money management or elaborate on why money is so important nowadays. Other exciting topics for a money essay are the relation between money and love, the role of money in education, etc. Below you’ll find a list of money topics to write about! These ideas can also be used for discussions and presentations. Money essay examples are a nice bonus to inspire you even more!

  • Can Money Buy You Happiness? First of all, given that happiness is related to the satisfaction of personal needs, there is also a need to consider the essential need of human life such as housing, medicine, and food.
  • Connection Between Money and Happiness Critical analysis of money-happiness relationship shows that socioeconomic factors determine the happiness of an individual; therefore, it is quite unsatisfactory to attribute money as the only factor and determinant of happiness.
  • I Don’t Believe Money Can Buy Happiness This shows that as much as money is essential in acquisition and satisfaction of our needs, it does not guarantee our happiness by its own and other aspects of life have to be incorporated to […]
  • Money as a Form of Motivation in the Work Place This then shows that money can and is used as a motivational factor in the work place so that employees can strive to give their best and their all at the end of the day.
  • Money, Happiness and Relationship Between Them The research conducted in the different countries during which people were asked how satisfied they were with their lives clearly indicated the existence of a non-linear relationship between the amount of money and the size […]
  • Does Money Buy Happiness? Billions of people in all parts of the world sacrifice their ambitions and subconscious tensions on the altar of profitability and higher incomes. Yet, the opportunity costs of pursuing more money can be extremely high.
  • Should America Keep Paper Money It is possible to begin the discussion of the need for keeping paper currency from referring to the rights of any people.
  • Strategies to Save and Protect Money Thus, the main points of expenditure will be clearly marked, which will help to exclude the purchase of unnecessary goods and services.
  • Money: Good or Evil? Comparing & Contrasting While there are those amongst us who subscribe to the school of though that “money is the source of all evil”, others are of the opinion that money can buy you anything, literary.
  • Anti-Money Laundering and Hawala System in Dubai To prevent money launders and agents, most countries enacted the anti-money laundering acts with the goal of tracking and prosecuting offenders.
  • Why Money Is Important: Benefits & Downsides The notion originated from the Bible because the person who made Jesus suffer on the cross was enticed by the love of money to forsake Jesus.
  • The Global Media Is All About Money and Profit Making It is noteworthy that the advertisement are presented through the media, which confirms the assertion that global media is all about money and profit making. The media firms control the information passed to the public […]
  • Time Value of Money: Importance of Calculating Due to fluctuations in economies, all organizations need to take into consideration concepts of the time value of money in any investment venture.
  • Discussion: Can Money Buy Happiness? Reason Two: Second, people are psychologically predisposed to wanting more than they have, so the richer people are, the less feasible it is to satisfy their demands.
  • Opinion on the Importance of Money In the absence of money, individuals and organizations would be forced to conduct transactions through barter trade which is a relatively challenging system due to existence of double coincidence of wants.
  • Why People Should Donate Time, Money, Energy to a Particular Organization, Charity, or Cause Its vision is to have a world that is free from Alzheimer’s disease.”The Alzheimer’s Association is the leading, global voluntary health organization in Alzheimer’s care and support, and the largest private, nonprofit funder of Alzheimer’s […]
  • Anti-Money Laundering in Al Ansari Exchange Case Study Details Company name: Al Ansari Exchange Headquarters: Dubai, United Arab Emirates Sector: Financial Services Number of employees: 2500 Annual gross revenue: UAED 440.
  • Relation Between Money and Football In the English league, clubs have been spending millions to sign up a player in the hope that the player will turn the fortunes of the company for the good.
  • Money and Modern Life The rich and the powerful are at the top while the poor and helpless are at the bottom, the rest lie in-between.
  • Money Laundering: Most Effective Combat Strategies The practice of money laundering affects the economy and security of a country. Countries have directed their efforts to curb money laundering to control the downwards projections of their countries’ economies.
  • Anti Money Laundering and Financial Crime There are a number of requirements by the government on the AML procedures to be developed and adopted by the firms in the financial service in industry in an attempt to fight the illegal practice.
  • Money and Banking: General Information The essay gives the definition of money and gives a brief description of the functions of money. As a store of value, money can be saved reliably and then retrieved in the future.
  • Money and Its Value Throughout the World History What is important is the value that people place on whatever unit they refer to as amoney.’ Money acts as a medium of exchange and an element of measurement of the value of goods and […]
  • Money Saving Methods for College Students A budget is one of the methods that a college student can use to save money. In the budget, one should indicate how much to save and the means of saving the money.
  • Money or Family Values First? Which Way to Go As such, family values becomes the epicenter of shaping individual behavior and actions towards the attainment of a certain good, while money assumes the position of facilitating the attainment of a certain good such as […]
  • Money, Happiness and Satisfaction With Life Nonetheless, the previously mentioned examples should be used to remind us that money alone is not a guarantee of happiness, satisfaction with life, and good health.
  • Money and Happiness in Poor and Wealthy Societies Comprehending the motivations for pursuing money and happiness is the key to understanding this correlation. The Easterlin paradox summed this view by showing that income had a direct correlation with happiness.
  • Success and Money Correlation The development of the information technologies and the ongoing progress led to the reconsideration of the values and beliefs. It is significant to understand that there is no right or wrong answer for the question […]
  • Giving Money to the Homeless: Is It Important? The question of whether a person should give money to a homeless person or not is a complicated one and cannot have the right answer.
  • Drugs: The Love of Money Is the Root of All Evils The political issues concerning the use of drugs consist of, but not limited to, the substances that are defined as drugs, the means of supplying and controlling their use, and how the society relates with […]
  • Electronic Money: Challenges and Solutions First of all, it should be pointed out that money is any type of phenomenon which is conventionally accepted as a universal carrier of value, or “any generally accepted means of payment which is allowed […]
  • Efforts to Raise Money for Charity However, the point is that charity is supposed to be for a simple act of giving and not expecting any returns from it.
  • Dreams of Avarice in Ferguson’s “The Ascent of Money” The chapter “Dreams of Avarice” of the book “The Ascent of Money” explores different stages of development of money functioning in the world by relating them to corresponding historical events.
  • Money and Work Performance When there is a deliberate effort by the workplace to reduce the incidence of these, both the agency and the employees benefit.
  • Change in the Value of Money According to Keynes To explain the effect of inflation on investors, Keynes delves into the history of inflation through the nineteenth century and tries to explain the complacency of investors at the beginning of the First World War […]
  • Money Laundering Through Cryptocurrencies This study will try to critique the approaches used by countries to address the aspect of money laundering activities and the risks posed by digital currencies.
  • Park Avenue: Money, Power and the American Dream – Movie Analysis It can be taken as the national ethos of the citizens of the USA. The basis of the American society is broken and it is not united anymore.
  • Edwin Arlington Robinson: Money and Happiness in “Richard Cory” It is evident that money cannot guarantee happiness in one’s life due to the uncertainties that surround each one of us.
  • Two Attitudes Towards Money The over-dependence on money to satisfy one’s emotional needs is a negative perspective of money. The positive attitude of money is rarely practiced by people.
  • Where Does the Money Go? by Bittle & Johnson Therefore, the authors explain key issues of the national debt in a relatively simple language and provide their opinion on how the country got into that situation and what could be done about it. In […]
  • “From Empire to Chimerica” in “The Ascent of Money” In the chapter “From Empire to Chimerica,” Niall Ferguson traces back the history of the Western financial rise and suggests that nowadays it is being challenged by the developing Eastern world. The hegemonic position of […]
  • Paper Money and Its Role Throughout History The adoption of the paper money was considered to be beneficial for both the wealth of the country and the individual businessmen.
  • Artworks Comparison: Les Demoiselles d’Avignon and Tribute Money Though the Les Demoiselles d’Avignon, a fresco created by Picasso, was created in an entirely different epoch than Masaccio’s Tribute Money was, the two artworks still share a range of stylistic, compositional and conceptual similarities, […]
  • Money, Success, and Relation Between Them In particular, the modern generation attaches so much importance to money in the sense that success and money are presumed to be one and the same thing.
  • The Relationship Between Money Supply and Inflation It is evidenced that changing the money supply through the central banks leads to a control of the inflationary situations in the same economy.
  • Prices Rise When the Government Prints too Much Money Makinen notes that an increase in the supply of money in an economy relative to the output in the economy could lead to inflationary pressure on prices of goods and services in the economy.
  • Money: Evolution, Functions, and Characteristics It acts as medium of exchange where it is accepted by both buyers and sellers; the buyer gives money to the seller in exchange of commodities.
  • The Practice of Saving Money Knowledge of the language is also a very crucial component of EAP as it aids the learner in understanding questions and responding to them in their examinations.another differentiating factor between the two varieties of English […]
  • Money Laundering Scene in Police Drama “Ozark” In one of the first season’s episodes, Marty, the main character, illustrates the process of money laundering crime. In the scene, one can see that Marty is fully sane and is committing a crime voluntarily.
  • Money From the Christian Perspective Work in Christian missions is a business and since it affects the relationship between the missionary and the people he is trying to reach, missionary funding is essential.
  • Business Case Scenario: Missing Money in a Company A possible scenario explaining how money is missing is through the payroll department my first argument seeks to prove the payroll department as the loophole of the company’s misfortunes.
  • Sports Stadiums’ Funding by Public Money The issue is controversial from an ethical point of view since not all citizens whose taxes can be spent on the construction of the stadium are interested in or fond of sports.
  • Money Laundering: The Kazakhgate Case He was accused of breaking the Foreign Corrupt Practices Act of 1974 and money laundering by the U.S.attorney’s office for the Southern District of New York.
  • The Ways Terrorists Raise and Move Money Moreover, the government has put into action the freezing orders and blocking of united states individuals who are presumed to have a hand in terrorist activities.
  • “Money as a Weapon” System and Fiscal Triad Furthermore, the fiscal triad encompasses the procurement of products and services and the disbursement and accounting of public funding. Fiscal legislation and contracts are two key components of the “money as a weapon” system.
  • The Fiscal Triad and Money as a Weapon System The reliance on the unit commanders sparked the development of the complementary strategy, “Money as a Weapon System,” which became a focal point of the Iraq and Afghanistan campaigns.
  • Saving Money Using Electric or Gas Vehicles The central hypothesis of the study is that the electric car will save more money than gas ones. The main expected outcome that the study is counting on is a confirmation of the presented hypothesis […]
  • Traditional vs. Modern Forms of Money The most significant argument for the continuing existence of traditional forms of money is the impossibility of converting all financial resources into a digital form.
  • Time Value of Money: What You Should Know The time value of money is a paramount financial concept, according to which a certain amount is now worth more than the same amount in the future.
  • The Lebanese-Canadian Bank’s Money Laundering The bank was later banned from using the dollar by the American treasury; this resulted in the collapse and eventual sale of the bank.L.C.B.had to pay a settlement fine of one hundred and two million […]
  • The Concept of the Time Value of Money The concept of the time value of money refers to the financial principle noting that a fixed amount of money currently is worth more than the same amount of money in the future.
  • Play Money Paper: A Report Betas of the Companies in the Portfolio It is noteworthy that in the given portfolio, the beta indices of the companies involved vary considerably.
  • Integration of Business Ethics in Preventing Money Laundering Schemes The shipping information within the document seems inaccurate with the intention to launder money from the buyer. The contribution of ocean carrier in the transaction process is doubtful to a given extent.
  • Trade-Based Money Laundering The purpose of this paper is to research the subject of trade-based money laundering, its impact on global scene and export controls, identify types of trade finance techniques used to launder illegal money, and provide […]
  • Impact of Natural Disasters on Money Markets and Investment Infusion of funds from the central bank during natural disasters results in higher process of exports as a direct result of an increase in the value of the local currency.
  • The Perception of Money, Wealth, and Power: Early Renaissance vs. Nowadays In the Renaissance period, power was a questionable pursuit and could be viewed as less stable due to more frequent upheavals.
  • Financial Institutions and Money Money is a store of value because it can be saved now and used to purchase se goods and services in the future.
  • Researching of the Time Value of Money After receiving the loan, one of the monetary policies that would help PIIGS to stabilize is the deflation of their currency, in this case, the Euro.
  • Anti-Money Laundering: Financial Action Task Force Meanwhile, given the limited access for physical assessment of state jurisdictions, it is likely that current provisions of FATF are yet to be revised in spite of pandemic travel and assessment restrictions.
  • Anti-Money Laundering in the UK Jurisdiction The regime adopted in the UK is based on the provisions of “the Terrorism Act of 2000, the Proceeds of Crime Act of 2002, as well as the Money Laundering, Terrorist Financing, and Transfer of […]
  • Trade-Based Money Laundering and Its Attractiveness The proliferation of the trade-based money laundering is directly related to the growing complexity of international trade systems, where new risks and vulnerabilities emerge and are seen as favorable among terrorist organizations seeking for the […]
  • Money Laundering and Sanctions Regulatory Frameworks Under the provisions of OFAC, the company has violated the cybersecurity rules that might indirectly bring a significant threat to the national security or the stability of the United States economy by engaging in online […]
  • Type Borrowing Money: Margin Lending In the defense of the storm financial planning firm, BOQ submitted to the authorities that in view of banking regulatory policies, storm had not contravened any of the policies and this is the reason why […]
  • Lessons on Financial Planning Using Money Tree Software Financial planning remains a fundamental function among the investors in coming up with a method of using the finances presently and in the future.
  • The Supply of Money in the Capitalist Economy In the capitalist economy that the world is currently based on, the supply of money plays a significant role in not only affecting salaries and prices but also the growth of the economy.
  • Time Value of Money Defined and Calculations Simply put, the same value of money today is worth the same value in future. The time value of money can therefore be defined as the calculated value of the money taking into consideration various […]
  • Money Tree Software: Financial Planning This return is important because: It represents the reward the business stakeholders and owner of the business get in staking their money on the business currently and in the future It rewards the business creditors […]
  • Money Management: Investment on Exchange-Traded Funds The essay will discuss the possibility of investing in a number of selected ETFs in connection to an investment objective of an individual.
  • What Is Money Laundering and Is It Possible to Fight It Certainly and more often money involved in laundering is obtained from illegal activities and the main objective of laundering is to ‘clean’ the dirty money and give it a legitimate appearance in terms of source.
  • Time Value of Money: Choosing Bank for Deposit The value of the money is determined by the rate of return that the bank will offer. The future value of the two banks is $20,000 and $22,000 for bank A and bank B respectively.
  • How Money Market Mutual Funds Contributed to the 2008 Financial Crisis While how the prices of shares fell below the set $1 per share was a complex process, it became one of the greatest systemic risks posed by the MMMF to the investors and the economy […]
  • Time Value of Money From an Islamic Perspective Islamic scholars say that the time value of money and the interest rates imposed on money lent are the reasons why the poor keep on getting poor and the rich richer.
  • Rational Decision Making: Money on Your Mind The mind is responsible for making financial decision and it is triggered by the messages we receive on the day to day activities. Lennick and Jordan explain that, we have two systems in the brain; […]
  • A Usability Test Conducted on GE Money.com.au It is common knowledge that the easier it is to access services and products on a given website the more likely users will be encouraged to come back.
  • “Most Important Thing Is Money Ltd”: Vaccination Development Thus, necessary powers have been vested with the Secretary of State for Health in England, through the recommendations of the Joint Committee on Vaccinations and Immunisation to enforce such preventive steps, through necessary programs that […]
  • Money Investments in the Companies and Bonds The stock volume is on the low level now, about 30, but it is connected with the crisis in the world and the additional investment may support the company and increase it. In general the […]
  • Money Management in the Organization There is a much debate on the issue and several people an financial experts do analyze the historical perspectives of the Active vs Passive money management.
  • How the Virus Transformed Money Spending in the US In the article featured in the New York Times, Leatherby and Geller state that the rate at which people spend their money has rapidly decreased due to the emergence of the virus in the United […]
  • The Role of Money and Class Division in Society The image of modern American society tries in vain to convey the prevalence of personality over social division. Americans’ perception of financial status has been shaped for years by creating the notion of the “American […]
  • Money and American Classes in 1870-1920 Wherein, the time of the stock market emergence was the time of the ongoing “carnival,” where the mystical power of money transferred to miraculous products and medicines and compelling advertisements.
  • The Ascent of Money – Safe as Houses Looking from a broad historical perspective, Niall Ferguson devotes the chapter “Save as Houses” to the observation of the real estate concept transformation, describes the place of the real estate market in the economic systems […]
  • The Ascent of Money – Blowing Bubbles The price for a share tells how much people rely on the cost of the company in the future. The life of a stock market represents the reflection of human moods on the price of […]
  • Canada’s Role in the History of Money: The Relationship Between Ownership and Control Individuals with the predominant shares gain the directorship of the wealth production channels and as such gain control of the diversified owners.
  • Why Non-Monetary Incentives Are More Significant Than Money It is important to recognize that both monetary and non-monetary incentives, otherwise known as total rewards, are offered to employees in diverse ways for purposes of attracting and motivating them to the ideals of the […]
  • To Make Money or Serve the Society? However, when the issue of the corporation to serve the society arises, then it kind of compromises the main focus of the corporation, which is to make money. These have been the major causes of […]
  • Money Role in Macro Economy The dollar is till now the most accepted currency in the world and this dollar fluctuation that has been caused by the worst recession in American history since the time of the Great Depression is […]
  • Two Attitudes Toward Money Two attitudes toward money involve negative perception of money as universal evil and positive perception of money as source of good life and prosperity.
  • Organizational Communication & the “Money” Aspect While the use of this information is critical for both ensuring survival of the organization and being a frontrunner in its strategies for the future, there are large boulders in use of this information effectively, […]
  • Tax Money Usage on Military Spending Issue The fact that America won the Cold War and defeated the Soviets is taken as a vindication by the American leaders of the need to continue military spending.
  • Money Makes You Happy: Philosophical Reasoning It is possible to give the right to the ones who think that money can buy happiness. This conclusion is not accepted by psychologists who think that wealth brings the happiness only in the moment […]
  • “Who Says Money Cannot Buy Happiness” by Lee Investment is a production process for will it bring about goods and services that can be sold to the market and in the process, the owner of the business makes some profit.
  • Technical Analysis as Active Money Management Method Technical analysis is the financial markets methodology that asserts the capability to foretell the probable course of security charges by the means of past market data study, principally price and volume.
  • Spare Change: Giving Money to the “Undeserving Poor” To address the central theme of the article, one need to delve deeper into the psyche of giving alms and money to the poor people we meet on the street.
  • The Use of Money in Business Practices Money is seen as the cause of problems and especially in the minds of emerging market respondents. Through this they can pick up groceries for the old in their neighborhood and make money from this.
  • Money Laundering and Terrorist Finance However, the balance money after the sham gambling is transferred to another ordinary bank account, thereby creating a legal status for the laundered money as if it has come from gambling and will be employed […]
  • City Planning. Too Much Money: Why Savings Are Bad The scenario is that the expected growth in economies where the rate of savings is high has not shown a corresponding increase in growth rate also.
  • Debates in Endogenous Money: Basil Moore The value of the currency was determined by the value of the precious metal used to mint the currency. From the time Federal Reserve took control of money and credit, economic consistency is attained by […]
  • Money and Banking. Financial Markets The essay will examine the essence and the importance of the above-mentioned financial phenomena and see how their interrelation, especially in the negative context, can influence the state of things in society.
  • Money and Justice: High-Profile Cases It is estimated that thousands of persons bracketed in the ‘poor’ sector of society go to jail annually in the United States without having spoken to a lawyer.
  • Accounting for Public Money After Railway Privatization There were very many problems prior to the railway privatization in 1990.one of the problems that led to the privatization of the railway line in the UK was the misappropriation of taxpayers’ money.
  • Time Value of Money and Its Financial Applications The time value of money refers to the idea that money available at the present time is worth more than the same amount in the future, due to its potential earning capacity.
  • Time Value of Money in Examples Therefore, re-purchase of the shares appeals to the managers of the company because it will allow the company uses the money to regenerate more money for the purpose of repurchase the shares in the future.
  • Wall Street Managers: The Art of Making Money In the end, the goal of Wall Street managers is to ensure optimal returns in all of their investments. The evolution of Wall Street managers is etched in the history of financial markets.
  • Money Laundering in the USA and Australia The International Money Fund has established that the aggregate size of money laundering in the World is approximately four percent of the world’s gross domestic product.
  • Locke’s Second Treatise of Government and Voltaire’s Candide’s Value on Money Both written at a time when philosophers had started questioning the relevance of capitalism and the concept of wealth creation, it is evident that the two authors were keen on explaining the power of money […]
  • The Concept of Money Laundering The first issue I have learned is that the main problem lies in the presence of Big Data that includes trillions of transactions of various financial organizations and systems.
  • Fraud, Money Laundering, and Terrorism Financing After the audacious attack by Al-Qaeda and the destruction of the Twin Towers on 11th of September 2001, terrorism was declared the number one enemy to the peace and stability of the modern world.
  • Time Value of Money – Preparing for Home Ownership The purchase price of the house is determined by using the following formula in Excel. 66 The down payment is 20% of the future value of the house, i.e, $40,278.13.
  • Martin Van Buren: Money and Indian Relocation One of the reasons for such collaboration and understanding is the focus on the values we have. I believe this path will bring us to the land we all would like to live in.
  • The General Theory of Employment, Interest and Money Money is a determinant of the propensity to consume; hence, the more money one makes, the more that he or she consumes and the converse is the case.
  • Money Market and Value-Based Pricing Consequently, the GDP can be defined by the equation: Y=C+I+G+NX where: Y= Total GDP, C=Consumption by household, I=Investment, G=Government expenditure, NX=Net Exports Net Domestic product entails the reduction of the GDP by the depreciation of […]
  • How Money Markets Operate? Furthermore, only free markets have shown the resilience that is necessary to accompany the fluctuations in demand and supply of the money markets.
  • Access Right to Money: Sculpture Theft Among the suspects, there are those in dire need of the money due to financial problems, while others need the values worth of the item and not the actual monetary price attached to the item.
  • History of Money in Spain The production of coins melted from gold also ceased in the year 1904, with the production of that melted from silver ceasing in the year 1910.
  • Money Flows and Financial Repression in the US and China From the article, the authors depict how the interest rates in developed countries like the United States compare with those of the emerging markets such as China, India, and Brazil.
  • Management: “Marketplace Money” and “Undercover Boss” In this case, the accents are made on the support of the healthy workforce in order to guarantee the better employees’ performance and on the idea of rewards as the important aspects to stimulate the […]
  • Money Compensation for Student-Athletes Besides, sports are highly lucrative for colleges, and students whose labor brings the revenues should share the part of them not to lose the interest in such activities.
  • Chapters 1-3 of “Money Mechanics” by David Ashby The retained amount of money in the commercial bank is the primary reserve. The banks can decide to reduce their working reserve, and the money obtained is transferred to the excess reserve fund in accounts […]
  • Banking in David Ashby’s “Money Mechanics” Changes in prices may not have a direct effect on the gross domestic product and the planned expenditures because this is determined by the money that is in supply. This causes the GDP and prices […]
  • Karl Marx on Commodities, Labor, and Money Division of labour is very important in the production of commodities. The use-value of each commodity contains useful labour.
  • The UAE Against Money Laundering and Terrorism Financing This valuation of the anti-money laundering and combating the financing of terrorism government of the United Arab Emirates is founded on the forty endorsements and the nine special commendations on extremist supporting of the monetary […]
  • UAE Anti-Money Laundering Laws and Their Benefits The legal maintenance of counteraction to the legalization of criminal incomes is carried out by means of a system of laws and regulations, controlling financial, bank, and customs relations and establishing the order of licensing […]
  • Money, Their Features, Functions and Importance The first hindrance is the inability of the household to monitor the activities of firms. In this case, it is used to state the value of debt.
  • Happiness Without Money in Sociology and Psychology The tendency’s mechanics are simple – being in the possession of any substantial sum of money increases a person’s chance to secure a dominant status within the society, which in turn will result in strengthening […]
  • Money Market Development Factors The money market is one of the fundamental elements in the functioning of any state. Under these conditions, the gradual rise of technologies and their implementation in the sphere of financial operations alter the money […]
  • “God’ Money is Now My Money” by Stanley Seat It could be said that different priorities and the lack of time for supervision of the employees are the critical reasons for the violation of rules and high frequency of fraud in the religious institutions […]
  • International Money Laundering Thus, money laundering has a profound impact on the state of the global economy, as well as on the economy of the U.S.
  • Cybercrime and Digital Money Laundering The result of the investigation was the indictment of Western Express and a number of the company’s clients for several charges including stolen credit card data trafficking and money laundering.
  • Hawala Remittance System: Anti-Money Laundering Compliance The existence and operation of money remittance systems is one of the primary features of developing economic relation at all scales from local to the global ones.
  • Time Value of Money in Economies of Scale Also, the investigation of the VoF becomes easier by means of scrutinizing the tradeoff between the TVM and the EoS. The TVM is also employed to reach the integration of infrastructure investment valuation and risk […]
  • Time Value of Money in Investment Planning The author of the post makes a good point that an amount of money is worth more the sooner it is received.
  • David Leonhardt: May Be Money Does Buy Happiness After All The case study of Japanese citizens that support Easterlin paradox do not factor in the confounding psychological effects of the Second World War on the entire population and the country.
  • Illegal Drug Use, Prostitution and Money Laundering Upon discussing the impact of money laundering, illegal drugs, and prostitution, the paper proposes the issuing of a court order restraining the use of wealth acquired from victimless crimes as one of the approaches to […]
  • Getting Beyond: Show Me the Money Nevertheless, underpayment and overpayment are common, leading to dissatisfaction. Notably, compensation is part culture, but analytics will gain traction in the big data era, as start-ups leverage such advantages from experts to manage a sales […]
  • Space Programs: Progress or Waste of Money? According to Ehrenfreund, the ingenuity to develop technologies and work in space is part of the progress that comes from space programs. Space programs have led to the development of technologies that improve air transport.
  • “The Money Machine: How the City Works” by Coggan The media plays a chief role in educating the public concerning the various financial matters that affect the undertakings of the City.
  • Money Evolution in Ancient Times and Nowadays In the means to defining what money is, most of the scholars from the psychological and physiological field have come up with the theoretical aspects of money and the ways it influences the economic growth […]
  • Fraud and Crime Theory in the “Black Money” Movie The movie shows the irregularities involved in the acquisition of arms for the Saudi government. The movie is a perfect display of the international crimes and financial fraud that has been on the rise in […]
  • Mercantilism, Stamped Money, and Under-Consumption It is paramount to note that he criticizes ideas of Ricardo quite frequently, and he believed that he did not consider the ideas that were suggested by other prominent economists.
  • Money Evolution in the 21st Century and Before The history of the world cannot be described effectively without identifying the function of money. Money has been used to measure the value of resources and financial markets.
  • Financial Crisis in Ferguson’s “The Ascent of Money” By Ferguson, the main purpose of the historian is to relieve humanity from the financial illusions on the examples of the past.
  • Monetary Policy in “The Ascent of Money” by Ferguson The rise of Babylon is closely linked to the evolution of the concept of debt and credit; without bond markets and banks, the brilliance of the Italians would not have materialized; the foundation of the […]
  • The Airtel Money Service: Indian and African Paths
  • Money History, Ethical and Social Standarts
  • World Money History in the 20th Century and New Objects of Value
  • Locke’s Work on Interest and Value of Money
  • Money in the “Sheriff of Cape Breton” Case Study
  • Medieval England in “Treatise on the New Money”
  • Blowing Bubbles in Ferguson’s “The Ascent of Money”
  • Treatise on the New Money: Document Analysis
  • Human Bondage in Ferguson’s “The Ascent of Money”
  • Money History, Bonds, Market Bubbles, and Risks
  • Park Avenue: Money, Power and the American Dream
  • Deflation in the Quantity Theory of Money
  • Money, Its Purpose and Significance in History
  • “Who Stole the Money, and When?” by Greenberg
  • Money History From the Middle Ages to Mercantilism
  • Money Development From 600 BC to Nowadays
  • Money Development and Its Stages in World History
  • Market Society in “What Money Can’t Buy” by Sandels
  • Employee Theft in “Who Stole the Money, and When?”
  • European Union Anti-Money Laundering Directive
  • T-Shirts “SENIOR 2016” and Time Value of Money
  • Time and Money in “Neptune’s Brood” by Charles Stross
  • “College Is a Waste of Time and Money” by Bird
  • Virgin Money Company’s Business Model in Canada
  • Money in History and World Cultures
  • Is College Education Worth the Money
  • Weddings, Marriage, and Money in the UAE
  • Money and Happiness Connection – Philosophy
  • The Ascent of Money: A Financial History of the World
  • “Art for Money’s Sake” by William Alden
  • Money’s and Banking’ Concepts
  • Central Bank of Bahrain and Money Supply Regulation
  • Psychological Research: Money Can Buy Happiness
  • Finance: The History of Money
  • Finance in the Book “The Ascent of Money” by Niall Ferguson
  • Criminal Law: Blood Money From the Human Organs Sale
  • Money as an Emerging Market Phenomenon
  • Cyber-Crime – New Ways to Steal Identity and Money
  • The Case of Stolen Donation Money
  • Time Value of Money
  • Money and Banking: The Economic Recession of 2007
  • Money and Banking: David S. Ashby’s Perspective
  • Christian Moral Teaching and Money
  • Money and Capital Markets: Turkey, India and China
  • Money and Capital Markets: Central Banks
  • Exploring the Relationship Between Education and Money
  • Anti Money Laundering and Combating the Financing of Terrorism
  • Mobile Money Transfer as an Alternative Product for Vodafone Group Plc
  • UK and USA During the Period 2000-2010: Consumer Price Index, Unemployment Rate, Money Supply and Interest Rate
  • Are Workers Motivated Mainly by Money?
  • Money Mechanics in the U.S.
  • Money and Markets vs. Social Morals
  • Money Laundering In Saudi Arabia
  • Inflation Tax – Printing More Money to Cover the War Expenses
  • Banks and the Money Supply
  • Money Mechanics in Banks System
  • Money Laundering In Russia
  • Sports and Money in Australia
  • Money Supply and Exchange Rates
  • Mobile Money Transfer Service
  • Central Banking and the Money Supply
  • The Different Roles Played By the Central Bank, Depository Institutions, and Depositors in the Determination of Money Supply
  • Jean-Jacques Rousseau and Karl Marx: The Role of Money in Human Life
  • How Saudi Banks Deal With Money Laundery
  • The Ascent of Money
  • Niall Ferguson’s ‘The Ascent of Money’
  • Role of Money in the American Dream’s Concept
  • Money, Motivation and Employee Performance
  • Money and Commodity Circulatory Processes
  • Motivate Your Employees produced by BNet Video for CBS Money Watch
  • We Should Use Tax Money to Enforce Mandatory Drug Treatments on Drug
  • The World Surrounded by Money
  • The World of Money
  • Federal Reserve; Money and Banking
  • Ways to Spend Money in Saudi Arabia
  • Sports Industry: Morality vs. Money
  • Making Money on Music: The Company That Has to Stay Afloat
  • Federal Reserve and the Role of Money in It
  • What Do Money and Credit Tell Us About Actual Activity in the United States?
  • What Influence Does Money Have on Us Politics?
  • Can Money Change Who We Are?
  • Does Government Spending Crowd Out Donations of Time and Money?
  • Does More Money Mean More Bank Loans?
  • Are Corporate Ceos Earning Too Much Money?
  • Did the Turmoil Affect Money-Market Segmentation in the Euro Area?
  • How Appealing Are Monetary Rewards in the Workplace?
  • How Does Inflation Affect the Function of Money?
  • Can Banks Individually Create Money Out of Nothing?
  • Are Credit Cards Going to Be the Money of the Future?
  • Does Money Protect Health Status?
  • Can Cryptocurrencies Fulfill the Functions of Money?
  • What Tools Used by the Federal Reserve to Control Money Supply?
  • Are Athletes Overpaid Money Professional Sports?
  • Does Electronic Money Mean the Death of Cash?
  • What Does Motivate Employees and Whether Money a Key?
  • What Are the Three Functions of Money?
  • Are Gym Memberships Worth the Money?
  • Does Broad Money Matter for Interest Rate Policy?
  • Does Money Help Predict Inflation?
  • Does One’s Success Depend on the Amount of Money a Person Earns?
  • How Does Federal Reserve Control the Money Supply?
  • Does Interest Rate Influence Demand for Money?
  • Does Commodity Money Eliminate the Indeterminacy of Equilibria?
  • Are College Degrees Worth the Money?
  • Can Money Matter for Interest Rate Policy?
  • How Banks Create Money and Impact of Credit Booms?
  • How Can Virtualization Save Organization Money?
  • Can Money Diminish Student Performance Disparities Across Regions?
  • Chicago (A-D)
  • Chicago (N-B)

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107 Banking Essay Topic Ideas & Examples

Inside This Article

Banking is a fundamental aspect of the modern economy, serving as the backbone of financial systems worldwide. As a result, there is a vast array of topics to explore within the field of banking. Whether you are a student looking for inspiration or a banking professional seeking to expand your knowledge, this article presents 107 essay topic ideas and examples to help you get started.

  • The impact of digital banking on traditional banking services.
  • The role of central banks in regulating the economy.
  • The benefits and drawbacks of using mobile banking applications.
  • The future of cryptocurrencies and their impact on traditional banking systems.
  • The role of commercial banks in fostering economic growth.
  • The impact of interest rates on consumer borrowing behavior.
  • The ethical implications of banks investing in controversial industries.
  • The challenges faced by small and medium-sized banks in an era of consolidation.
  • The impact of globalization on the banking industry.
  • The role of banks in promoting financial inclusion.
  • The impact of technology on fraud prevention in banking.
  • The effectiveness of stress tests in assessing bank resilience.
  • The role of banks in financing infrastructure projects.
  • The impact of banking regulations on lending practices.
  • The benefits and challenges of open banking.
  • The role of banks in supporting entrepreneurship and innovation.
  • The impact of fintech startups on traditional banking institutions.
  • The role of banks in addressing income inequality.
  • The impact of banking crises on economic stability.
  • The future of branch banking in a digital world.
  • The role of banks in facilitating international trade.
  • The impact of artificial intelligence on banking operations.
  • The challenges and opportunities of sustainable banking practices.
  • The role of banks in promoting financial literacy.
  • The impact of bank mergers and acquisitions on customers.
  • The challenges of implementing anti-money laundering regulations in the banking sector.
  • The role of banks in supporting the United Nations Sustainable Development Goals.
  • The impact of financial technology on banking job opportunities.
  • The challenges of managing cybersecurity risks in the banking industry.
  • The role of banks in financing renewable energy projects.
  • The impact of demographic changes on banking services.
  • The challenges of implementing digital identity verification in banking.
  • The role of banks in facilitating financial intermediation.
  • The impact of economic sanctions on banking operations.
  • The challenges of implementing Basel III regulations in emerging markets.
  • The role of banks in supporting the growth of small and medium-sized enterprises.
  • The impact of consumer behavior on retail banking strategies.
  • The challenges of implementing real-time payments in the banking sector.
  • The role of banks in promoting financial stability.
  • The impact of banking regulations on the cost of credit.
  • The challenges of implementing sustainable finance practices in the banking industry.
  • The role of banks in supporting affordable housing initiatives.
  • The impact of banking innovations on financial inclusion in developing countries.
  • The challenges of implementing instant payments in cross-border transactions.
  • The role of banks in addressing climate change risks.
  • The impact of online banking on branch closures.
  • The challenges of implementing data protection regulations in the banking sector.
  • The role of banks in financing education and healthcare.
  • The impact of banking regulations on the profitability of small banks.
  • The challenges of implementing real-time fraud detection in banking.
  • The role of banks in promoting gender equality in access to finance.
  • The impact of customer trust on banking relationships.
  • The challenges of implementing blockchain technology in the banking industry.
  • The role of banks in supporting disaster recovery efforts.
  • The impact of banking regulations on cross-border capital flows.
  • The challenges of implementing biometric authentication in banking services.
  • The role of banks in supporting financial resilience.
  • The impact of banking innovations on customer loyalty.
  • The challenges of implementing sustainable supply chain finance in the banking sector.
  • The role of banks in promoting responsible lending practices.
  • The impact of banking regulations on financial innovation.
  • The challenges of implementing real-time liquidity management in banking.
  • The role of banks in supporting cultural and creative industries.
  • The impact of banking crises on bank lending behavior.
  • The challenges of implementing instant payments in the gig economy.
  • The role of banks in promoting social impact investing.
  • The impact of banking regulations on bank profitability.
  • The challenges of implementing artificial intelligence in customer service in banking.
  • The role of banks in supporting financial education in schools.
  • The impact of banking innovations on financial risk management.
  • The challenges of implementing sustainable procurement practices in the banking sector.
  • The role of banks in promoting responsible investment.
  • The impact of banking regulations on financial stability in emerging markets.
  • The challenges of implementing real-time customer onboarding in banking.
  • The role of banks in supporting cultural heritage preservation.
  • The impact of banking crises on bank lending to small businesses.
  • The challenges of implementing instant payments in government transactions.
  • The role of banks in supporting impact entrepreneurship.
  • The impact of banking regulations on cross-border banking activities.
  • The challenges of implementing artificial intelligence in credit risk assessment in banking.
  • The role of banks in promoting financial literacy among vulnerable populations.
  • The impact of banking innovations on financial crime prevention.
  • The challenges of implementing sustainable insurance products in the banking sector.
  • The role of banks in supporting sustainable agriculture and food security.
  • The impact of banking regulations on financial inclusion in rural areas.
  • The challenges of implementing real-time transaction monitoring in banking.
  • The role of banks in promoting responsible corporate governance.
  • The impact of banking crises on bank lending to households.
  • The challenges of implementing instant payments in the healthcare sector.
  • The role of banks in supporting social entrepreneurship.
  • The impact of banking regulations on cross-border payment systems.
  • The challenges of implementing artificial intelligence in anti-money laundering in banking.
  • The role of banks in promoting financial literacy among young people.
  • The impact of banking innovations on sustainable finance.
  • The challenges of implementing sustainable supply chain finance in global banking networks.
  • The role of banks in supporting renewable energy investments.
  • The impact of banking regulations on financial stability in post-conflict countries.
  • The challenges of implementing real-time fraud prevention in mobile banking.
  • The role of banks in promoting responsible investment in emerging markets.
  • The impact of banking crises on bank lending to the real estate sector.
  • The challenges of implementing instant payments in the education sector.
  • The role of banks in supporting social impact bonds.
  • The impact of banking regulations on cross-border remittances.
  • The challenges of implementing artificial intelligence in customer relationship management in banking.
  • The role of banks in promoting financial literacy among senior citizens.
  • The impact of banking innovations on sustainable development finance.
  • The challenges of implementing sustainable supply chain finance in the global fashion industry.

These essay topic ideas provide a comprehensive overview of the vast array of issues within the field of banking. Whether you choose to explore the impact of digital banking, the role of banks in promoting sustainability, or the challenges of implementing new technologies, there are countless avenues for research and analysis. By selecting a topic that piques your interest, you can delve deeper into the complexities of the banking industry and contribute to the ongoing development of this crucial sector.

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Essay Samples on Banking

When federal deposits fail: analyzing the 2023 federal reserve direct deposit crisis.

During the summer of 2023, a myriad of Americans encountered an unforeseen hurdle - an unprecedented postponement in the receipt of their direct deposits from the federal government. This predicament was rooted in a technical anomaly at the Federal Reserve, the institution responsible for processing...

The Ascent of Money: Is Money the Root of All Evil

In Niall Ferguson’s The Ascent of Money, Ferguson analyzes the history of money, banking, and credit. He tracks the development of currency as a form of trade, explores its growth and effects on society, and looks forward to how it may continue to develop in...

Benefits And Risks Of Off-balance-sheet In Banking

Off-balance-sheet activities refer to activities that are not included in the banks’ balance sheet but can affect the bank’s current profits and losses of business activities. In a financial aspect, off-balance-sheet activities have a narrow sense and a broad sense of meaning. From the narrow...

How IMF and World Bank Improve the Globalization

Introduction The task tries to clarify on the capacities and points of both the IMF and the World bank, it at that point further locales out the conditionality’s given to Zambia. International Monetary Fund “Worldwide Money related Reserve” (IMF) The word (IMF) implies Global Money...

  • Globalization

Analysis of the Various Credit Card Fraud Detection Techniques

Abstract: The incidents of fraud are increasing year by year, with credit fraud occupying prominent role. This has driven scientists to keep investigating techniques that can be used to detect credit fraud. The main contribution of this project involves finding the characteristics of various techniques...

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Delta Airlines – Cash Flow and Cash Management

Cash Flow Analysis Cash flow from operations are vital for the business to exist, and it reflects how much amount of cash generated from sales minus the COGS and SGA. Delta generated $7.2(b) in the year 2016 from its operations much above its competitors; American...

The Importance of Cash Management for Business

Cash management is simply defined as working capital. It was designed to assist and ensure that adequate levels of cash are readily available to fulfil a business’s short-term needs such as inventory purchases (Bryant, 2018). However, it also has a much bigger job. It is...

Comparison of Islamic Finance and Venture Capital

Introduction What is Islamic Finance As the name implies, it is quite self-explanatory. It is essentially a simple banking system that obeys the Shariah Law and also looks into developing Islamic economies by application. This system consists of small conditions such as the ban of...

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Depiction of Highs and Lows of the Wall Street in Great Gatsby

Undoubtedly, money is the ultimate driving force not only of business within America but globally too. To a certain degree, money provides power, freedom and time; it can be used to protect yourself and the ones you love and puts you in control of your...

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Report on Bank's Credit Card Financial Plan

The bank our group choosing which is AmBank, they offered about a total of 22 credit card such as AmBank True Visa Card, AmBank Visa Signature Card, AmBank World MasterCard and so on. The credit card most used of AmBank’s customer which is AmBank Carz...

Investigating Credit Card Fraud Detection

Motivation: In present days payment systems are changed into online transactions. There are many types of online payment method like e-cash, credit card, internet banking etc. Credit card is one of the best method for online payment. Credit card is a plastic card which is...

Risk Taking of Commercial and Retail Bank

Introduction Without taking the risk, banks, the important financial institution, cannot be in running order (Matthews & Thompson, 2014). In business term, bank is defined as an institution authorized by a government which provide financial services, for example, accepting deposits, paying interest, making loans, etc.,...

  • Risk Taking

Analysis Of United Overseas Bank In Terms Of Three Segments Of Banking

Introduction United Overseas Bank (UOB) is a full-service bank in Singapore founded by Wee Kheng Chiang in 1935. The bank provides its customers with a wide range of financial product and services with its network of more than 500 branches and offices in 19 countries...

  • Corporate Finance

Analysis Of Moody's Credit Rating Case Study

In 2008, the American markets started to disintegrate because of frenzied and unethical, if not illegal, dealing in home loans. Investment companies and banks failed or were sold, credit became impossible to obtain and everyone was afraid to loan or borrow money. Jobs became scarcer,...

AI Along With Machine Learning For Rural Population Across India

Introduction Indian banking landscape is seeing massive transition with the advent of financial inclusion through RBI. As the government shifts focus toward cashless society, it also pushes a bouquet of digital payment options in the form of schemes, apps and services like Small savings accounts,...

  • Artificial Intelligence
  • Intelligent Machines

Assessing Bank's Proposal From Ethics And Regulation Perspective

For any strategic business proposals, XYZ Bank shall adopt the stakeholder approach to consider the interest of three main stakeholders ie internal, external and connected from both instrumental and normative perspective. Applying Medelow’s stakeholder theory will be helpful in assessing the level of interest, power...

Banking Industry In Australia And Sustainability Reporting

Overview/background information of the industry/sector/context Australian banking industry is one of the biggest sectors in the country, leading in country’s financial system. As of September 2017, authorized deposit-taking institutions (ADIs) totaled at 147, holding over 55% of all assets associated with financial sector (RBA, 2017)....

User Perception Of Mobile Banking Adoption: An Integrated TTF-UTAUT Model

Article 1 Overview In this article Debarsgi and Nidhi identify key components in the public platform of corporate communication using social media and how it is user friendly and cost effective to these corporations. Social media has become the new way of collaborating with not...

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Case Analysis for Bank of America

The long term strategy has three steps to executive. Integrate Credit Card and Mortgage business into current Bank of America Mobile App. Introduce Bank of America e-commerce app which includes local mobile payment and person to person capabilities. Expand to international markets using existing mobile...

Lagos State Biobanking Background And Precedence Activity

Biobanking involves the process of collecting, treating, and long‐term storage of biological and or environmental samples. It represents an essential tool for biological, biomedical and industrial research as well as for laboratory diagnostics. Innovative and progresssive Scientific and medical researches on microbial pathogenesis, epidemiology, diagnosis...

Diversity Of Global Agent Banking Models And Its Applicability

According to McKay (2010) there is global concern to entrench financial access to previously ignored hence the emergency of agency banking. This has been adopted in several countries around the world Brazil being the first in 1999 Colombia and Pare have been declared to be...

Millennials And The Finance And Banking Industries

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Priority Sector Lending In India

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  • Role of Government

The Role Of Banking Institutions In Any Economy

The banking institution is one of the most significant financial intermediaries in any economy. Its main purpose is to allocate funds from the areas of surplus to the areas of deficit. It also helps to get small amounts of deposits from individual small depositors and...

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Interesting Information About Banking And Financial Fraud

Financial fraud is a serious social and economic problem in a worldwide and more serious in growing countries. It has been existing for a long and it increases day by day. Fraud distress business or economy through loss of funds available for generating more cash...

138 Research Topics on Money - Essay Topics, & More

Welcome to our list of money essay topics! Here, we’ve collected the most interesting research topics about money, titles for essays, presentation ideas, and even samples. Use them to get inspired!

🏆 Best Essay Topics on Money

✍️ money essay topics for college, 👍 good money research topics & essay examples, 🎓 most interesting research topics about money.

  • 💡 Simple Money Topics to Write About

❓ Research Questions About Money

  • Can Money Always Buy Everything You Want?
  • The Philosophy of Money by Georg Simmel
  • Comparison Between Love and Money in Life
  • Money and Expenditures: Personal Opinion
  • Why Men Spend More Money Than Women?
  • Money Issues in Romantic and Marital Relationships
  • Stealing Money From Corporations
  • How to Teach Children to Value Money The key point of teaching children the value of money is to provide them with an example of how to maintain proper habits and behavior.
  • Aspects of Money Management The paper states that money management is a critical skill, which will help improve the financial well-being and reduce the stress associated with money.
  • History and Role of the Money Money is any commodity or token that serves as a medium of exchange that is legally and socially acknowledged in payment for services and goods and in the disbursement of debts.
  • Bitcoin: The Use of the Digital Money The paper has elaborated Bitcoin is used, its features, and its impacts on society. The digital currency has features similar to other currencies, such as durability.
  • Money to Charity: Moral Differences Many families across the globe continue living below the poverty line and cannot meet their basic needs like food, health, or even sleep.
  • Metaphysical Secrets of Manifesting Money Abundance Money is one of the most important influencing factors in modern life. Some scholars single it out as one of the three most distorting forces of human existence.
  • Financial Planning. Money Management Skill Financial literacy can be defined as knowledge about financial planning and management that allows making reasonable choices about money spending and saving.
  • Money Issues in a Relationship In the contemporary world, both men and women contribute equally to the economy of the household. This has changed the household role of men from being the sole breadwinners.
  • Time Value of Money in a Medical Organization A medical organization may use the concepts of the “time value of money” and “useful life” to organize the purchase of new equipment and to calculate the depreciation expenses.
  • “Where Does the Money Go?” by Scott Bittle and Jean Johnson In their book Where Does the Money Go?, Scott Bittle and Jean Johnson focus on the growing national debt of the United States and examine inefficiencies that led to the crisis.
  • Monetary Theory and Policy. Money in the Utility Function Money is an asset, making positive or negative or some other functional effect. Goods, demands, propositions are constantly dependent on the money supply.
  • Art’ and Money Relations While the cultural value of many artworks exceeds material dimensions, it is hard to imagine how the masterpieces would be preserved without being involved in commodity-money relations.
  • Governmental Organizations: Value for Money Audits and Performance Audits Value for Money audit and performance audit have different objectives and complement each other, but neither is sufficient on its own to audit an organization’s performance.
  • Money and Relationship in King Lear by Shakespeare King Lear, one of Shakespeare’s most well-known tragedies, is a nihilistic story of destruction, money, and power conflicts that was originally performed in 1606.
  • Lloyd’s Tsb Bank Is Under Fire for Money Laundering Offense This research article discusses the role of the bank, either knowingly or unknowingly, in laundering the money obtained by cheating.
  • Tradesmart Inc.: The Money-Back Guarantee Tradesmart Inc. is a fairly broad marketplace, which, in addition to low prices, also provides customers with a unique policy of returning money for the goods.
  • “Money, Greed, and God: Why Capitalism Is the Solution and Not a Problem” by Jay Richards In his book “Money, Greed, and God,” Jay Richards, an American analytical philosopher, seeks to address the most common myths about capitalism.
  • Aspects of Functions of Money Money is one of the vital tools in society. The paper looks at the feasibility of money-stably completing these functions in the near future.
  • Money as a Means Rather Than a Result of Achieving Happiness The paper states that one can note that money is a tool that allows buying things that make a person happy, but money itself does not bring happiness.
  • Foundations and Applications of the Time Value of Money This paper intends to discuss the concept of time value of money. The goal is to show that current cash flow is valued highly compared with future cash flows.
  • Is Money a Virtue or Evil: Discussion The study will have to document how money has been used in good ways through spreading the gospel and how it has been used in evil ways for personal or selfish purposes.
  • Personal Finance: Turning Money Into Wealth There are many different bond kinds, and each has benefits and drawbacks for the parties involved. Municipal and corporate bonds will be reviewed in this session.
  • Divine Currency: The Theological Power of Money in the West Money in Christianity is a dangerous matter, which requires careful and proper management to stay on the path of Christ.
  • Politics, Money, and Free Expression In 2011, the Supreme Court “decided that corporations and unions could contribute an unlimited amount of money to political campaigns.”
  • Inflation and Increase in Money Supply Even though the increase in the money supply might stimulate the economy, it is a dangerous strategy, and the Federal Reserve has to act with caution.
  • The Federal Reserve System and the Money Supply The Federal Reserve (FR) has three main tools to control the money supply in the economy: the discount rate, open market operations, and reserve requirements.
  • Social Work Assignment: Gender, Money, and the Charity Organization Society Throughout the history of its development, the sphere of social work has witnessed the work of various contributors dedicated to achieving social equality.
  • Money, Happiness, and Materialism Correlation The paper concludes that happiness doesn’t depend on material goods, and it should be understood that respect and empathy are superior to any material wealth.
  • Daily Budget Cutting: Methods of Saving Money Nowadays, there are many more possibilities to spend additional money than in the past. Consequently, people should be more attentive to their budget and spending structure.
  • Financial Management: Where Does the Money Go It is increasingly possible to hear about the importance of financial literacy in the modern world, which largely boils down to thoughtful money management.
  • How Money Laundering Practices Violate Financial Ethics Corruption is one of the biggest problems a government can face, and in this blog, the author aims to explain how money laundering practices violate financial ethics.
  • Forecasting and Time Value of Money Time value of money is a valuable instrument that helps comprehend the value of a currency in relation to a given period and significantly impact investing decision.
  • Analysis of Anti-Money Laundering Strategies Money-laundering has been a significant problem for Canada because such a practice enables and facilitates many criminal activities such as drug trade, fraud or even global terrorism.
  • Money Laundering, Corruption and Terrorism Issues Money laundering, corruption and terrorism are rife in East and Southern Africa is largely attributed to the abject poverty that at times seems to be endemic.
  • Firms Raising Money Through Debt vs. Equity Debts as a source of operating funds can be from within or outside the company specifically individual borrowings or banks.
  • Eastern and Southern Africa Anti-Money Laundering Group Money laundering, corruption and terrorism are rife in East and Southern Africa. This phenomenon is attributed to the abject poverty that seems to be endemic in this region.
  • This American Life: Toxie Asset by Planet Money When recounting the story of Toxie, the reporters explain how “she” came to be, and how her life began at the peak of the housing market, progressed through the years.
  • Montley Fool Money Guide: A Book’s Review It is an educative book that gives an insight into saving, spending, and investing. The author tries to bring out the foolish things people do with their money.
  • Money Supply in the United States This essay discusses the money supply, what constitutes it, and the current supply in the US. It will also examine how the COVID-19 pandemic affected the M2 supply in the country.
  • Finance, Currency Alternatives, and Money in the Bible The currency used in all countries nowadays is an example of fiat money, meaning that it lacks intrinsic value.
  • ”Money Supply” Article by Enam Ahmed Analysis In this article, Enam Ahmed explains why central banks should use the Divisia approach to measure the effectiveness of monetary policies.
  • York College Medical Center Managing Grant Money Despite numerous positive effects that financial recognition of the employees could bring to the general state of the center, free healthcare services are of higher priority.
  • Men, Women & Money – How the Sexes Differ with Their Finances’ Article Review? Amy Livingston’s article Men, Women & Money – How the Sexes Differ with Their Finances provides comparative gender-related research.
  • Can Money Buy Happiness? This article analyzes Sandy LaMotto’s research that money brings happiness and that selfish spending is associated with a good mood.
  • What Does Money Have to Do With It? The policy-oriented toward providing judges with the information on the costs of sentencing types can be discussed as rather controversial.
  • The Money Factor in Drug and Alcohol Treatment A vast number of individuals fail to take up drug treatment because they are unable to raise the money that is required to enroll in such a program.
  • Exchange Rate and Price: U.S. and Chinese Money The exchange rate quotation is derived by stating the number of units of term currency that can be bought in terms of the unit currency, which is also known as the base currency.
  • Entrepreneurship. Money in the Resource Equation Money is the least important part of the resource equation because starting a new business requires an entrepreneur’s ability to take risks.
  • Macroeconomics: Monetary Policy in the United States There are various monetary policy tools which can be used by the fed in order to achieve its desired policy objectives.
  • “Illegal Immigrants: They’re Money” by Rodrigez The focal point of the paper is to present a critical evaluation of Gregory Rodrigez’s article Illegal Immigrants: They’re Money.
  • Illegal Immigrants – They Are Money The paper looks at the issue of “illegal immigrants” to the US from the perspective of their value to businesses as cheap labor and as a market for their goods like credit cards.
  • “Rivers of Blood and Money” Article by Burden The article “Rivers of Blood and Money” by Burden takes a different approach when analyzing the issue of anti-Semitism and events before and during the Holocaust.
  • Money and Happiness in Economic Theories The pursuit of additional wealth and income usually becomes addictive thereby reducing an individual’s time with their family members and friends and limiting their social life.
  • Money and Politics in Healthcare Reform Having initiated the healthcare reform, President Obama met stiff opposition to the insurance and pharmaceutics lobby. It would be disadvantageous and made them lose revenue.
  • Time Value of Money and Interest Rate Risk Time value of money (TVM) is a financial concept, which implies that money available to an individual or a company at the present time is much more valuable.
  • How Can American Cities Raise More Money? One of the main ways through which urban governments in the United States can avert revenue problems is through prudent reduction of services that they currently offer.
  • World Money: From the Eurodollar to the Sinodollar
  • Treasury Operations, Bank Credit, and the Money Market
  • Working From Home Can Earn You Money
  • The Money Demand Function for the Euro Area: Some Empirical Evidence
  • Trade Credit and the Money Market
  • U.S. Domestic Money, Inflation and Output
  • The U.S. Money Market and the Term Auction Facility in the Financial Crisis of 2007–2009
  • Varying the Money Supply of Commercial Banks
  • The Uses of the Money in the Six Century B.C
  • Tight Money Policies and Inflation Revisited
  • Working Through the Distribution: Money in the Short and Long Run
  • Utilizing the Time Value of Money
  • Women Are Working and Spending Money Same as Men
  • Wall Street: Money Never Sleeps
  • Velocity and Money Growth Variability: Evidence From Japan
  • The Swiss Sovereign Money Initiative
  • Velocity and the Variability of Anticipated and Unanticipated Money Growth in Malaysia
  • The Translog Utility Function and the Demand for Money in the United States
  • Why Money Talks and Wealth Whispers: Monetary Uncertainty and Mystique?
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Simple Money Topics to Write About

  • The Rules for Saving Money by Consolidating Debt
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  • Unemployment, Real Wages and the Money Supply in Australia
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  • Does Ones Success Depend on the Amount of Money a Person Earns?
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  • How Does Federal Reserve Control the Money Supply?
  • How Does Inflation Affect the Function of Money?
  • How Does Shakespeare Present the Issues of Love and Money in His Plays?
  • How Does the RSPCA Persuade Us to Part With Our Money?
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  • What Are the Distributions of Money in Model Markets of Economy?
  • What Are the Monetary Policy Implications of Digital Money?

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StudyCorgi. (2022, February 11). 138 Research Topics on Money - Essay Topics, & More. https://studycorgi.com/ideas/money-essay-topics/

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StudyCorgi . "138 Research Topics on Money - Essay Topics, & More." February 11, 2022. https://studycorgi.com/ideas/money-essay-topics/.

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Essay On Money: 100, 250 Words Samples

essay money and banking

  • Updated on  
  • Nov 9, 2023

Essay On Money

Why do you think money is important? Can we live without money? Does money have its own value? What’s the difference between hard money and digital money? When we plan on buying something, we have to pay a certain amount. Let’s say you want to buy a wristwatch worth $50. How do you compare that commodity with money? Do they have equal value? Is there any authority that states the value of money ? These and several other questions about money can make one wonder why money is given so much importance. Let’s go in-depth with an essay on money and find answers to all these questions.

Table of Contents

  • 1 What is Money?
  • 2 Why is Money So Important?
  • 3 Essay on Money in 100 Words
  • 4 Essay on Money in 250 Words

Also Read: Essay on Chandrayaan – 3

What is Money?

According to Wikipedia and Oxford Dictionary, Money is simply a medium of exchange. Some even consider money as one of the most important resources , which is used to make transactions of goods, services, or repayment of debts within a specific country or socio-economic context.

Money can have various forms, coins and banknotes in physical form, and electronic balances in bank accounts in digital forms. Money serves as a unit of account, facilitating the measurement of value in terms of prices, and as a store of value, allowing individuals to save purchasing power for future use.

Learn Why Financial Literacy is Important for Students.

Why is Money So Important?

What makes money such an important resource is its acceptance across the globe in multiple transactions and services. From serving as a medium of exchange to facilitating financial activities, the importance of money goes beyond our everyday needs. Here are several reasons stating the importance of money.

  • Money serves as a convenient medium of exchange that facilitates the buying and selling of goods and services, making transactions more efficient than barter systems.
  • It provides a standardized unit for measuring the value of goods, services, and assets, allowing for easier comparison and assessment of value across different items.
  • Money enables individuals and businesses to store wealth and purchasing power over time, facilitating savings and investment for future needs and goals.
  • A stable and reliable monetary system encourages investment, trade, and economic growth, fostering overall prosperity within an economy.
  • By using money, individuals and businesses can avoid the high transaction costs associated with bartering and the inefficiencies of non-monetary exchange systems.
  • The use of money encourages specialization in the production of goods and services, leading to increased productivity and efficiency within an economy.
  • Money is essential for the functioning of financial markets, banking systems, and investment activities, which are crucial for the allocation of resources and capital within an economy.

Also Read: Essay on National Unity Day 

Essay on Money in 100 Words

El dinero or money is used as a medium of exchange, unit of account, and store of value. It facilitates trade, allowing for the smooth exchange of goods and services, while also enabling efficient allocation of resources and encouraging economic growth. As a unit of account, it provides a standardized measure of value, simplifying the comparison of different goods and assets. 

Moreover, money acts as a store of value, allowing individuals to save and plan for the future. Its role in reducing transaction costs, enabling specialization, and supporting complex financial activities highlights its significance in the functioning of contemporary economies.

Essay on Money in 250 Words

Modern economics is heavily dependent on money or we can say that money is the pillar of modern economies. As a medium of exchange, it simplifies trade by providing a universally accepted method of payment for goods and services, eliminating the inefficiencies and limitations of barter systems. Its characteristic fosters the development of complex market systems, encouraging specialization and the efficient allocation of resources.

Apart from being a medium of exchange, money functions as a unit of account, providing a standardized measure of value that enables individuals to compare prices and evaluate the worth of different goods and services. This uniformity in valuation streamlines commercial activities and allows for effective planning and decision-making in both personal and business contexts.

Money serves as a store of value, allowing individuals to save and accumulate wealth over time. This feature empowers people to prepare for future expenses, emergencies, or long-term goals, providing a sense of security and stability in an uncertain world.

In addition to its role in daily transactions , money fuels economic growth by facilitating investment, entrepreneurship, and innovation. Financial institutions utilize money as a tool to allocate capital efficiently, enabling the development of new businesses, industries, and technologies that contribute to overall economic prosperity.

Money plays multiple roles in our lives; it is a physical or digital representation of currency; it is a fundamental pillar of modern economies, underpinning the intricate web of commercial activities, financial systems, and societal well-being. Its importance lies not only in its tangible properties but also in the complex functions and structures it supports within the global economic framework.

Money is globally accepted as a medium of exchange in multiple transactions and services. From serving as a medium of exchange to facilitating financial activities, the importance of money goes beyond our everyday needs. To buy goods or services, you are required to pay a certain amount, which is fulfilled by paying money. 

To write an essay on money, you need to highlight the key aspects of this essential resource. The multiple transactions in which money is used in our day-to-day lives make money an important part of our lives. Give examples of how money can change our lives and what would happen if we were out of money. Highlight the latest trends in the financial sector and what governments are doing to save our money from inflation. 

Here are the 5 strongest currencies in the world: Kuwait Dinar (KWD), Bahraini Dinar (BHD), Omani Rial (OMR), Jordanian Dinar (JOD), and Gibraltar Pound (GIP).

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  • Essay on Money

Money And Banking Essay Example

Type of paper: Essay

Topic: Money , Banking , Investment , Finance , Rate , Increase , Monetary , Curve

Words: 1000

Published: 03/08/2023


Answer 1: The factors that influence the Fed's balance sheet are its assets and liabilities. In assets Fed hold securities like U.S Treasury which is controlled by open market operations. Then the foreign exchange reserves issued by the foreign governments. The SDR(special drawing rights) and gold are official asset, other Federal Reserve asset and the discount loan. In liabilities, the currency in circulation, the reserves i.e. the accounts with commercial bank , government accounts and other liabilities which mainly consist of reserve repo rate. The asset that has increased Fed balance are purchase of treasury and mortgage bonds(Kearns). Answer 2 : High powered money or the monetary base consist of currency i.e. notes and coins and the banks' deposit at the Fed. The fed has direct control over the monetary base. The part of the currency that is held by the public is the supply of money. The supply of money and the monetary base are linked by the money multiplier. The money multiplier is the ratio of the stock of money to the stock of monetary base. The currency in the banks' vault and the banks deposit at the Fed are used as reserves backing individual and business deposits at bank. The Fed's control over the monetary base is the main route through which it determines the supply of money. The Fed uses some instruments to control the supply of money are open market operation, required reserve ratio and discount rate. Answer 3. Money creation is the process of increase in money supply within a country. This is generally controlled by the Fed in U.S.. But as money is now circulated in the country not only in the form of cash but also in electronic form. This electronic form is controlled by the commercial banks. So banking system has more control over money creation than Fed(McLeay et al,2). Answer 4: The quantity theory of money which shows that MV= PY where M is the supply of money , V= velocity of circulation, P= average price level and Y= real output states that as amount of money and the price of goods and services are related positively and as amount of money increase the price level rise leading to rise in inflation. Velocity of circulation = Nominal GDP divided by money supply. During recessions the velocity became unstable and the link that was shown on the equation between money supply an nominal GDP( GDP at market prices) failed leading to the failure of monetarism(Jahan et al,5). Answer 5: When Fed lowers the interest rate it makes borrowing easier for the consumer and the business which increases investment . On the other hand, when Fed increases the interest rate then the borrowing becomes tough and reduces investment. So increasing or decreasing interest rate is chain reaction. Fed tries to increase money supply by lowering the interest rate and vice versa happens when there is too much money in the economy. Answer 6: The theory of Minsky is known as "financial instability hypothesis". According to him lending passes through three different stages the Hedge, the Speculative and the Ponzi. In the first stage just after the crisis the banks and the borrowers become cautious. They loans are given in a modest way to those borrowers who can pay the interest and the principal. In the second stage the confidence rises and banks give loans to borrowers who can pay the interest. Then in the last stage the bank provide loan to the borrowers who can neither pay the interest and the principal and it is believed that the asset prices will go up. But the asset prices fall which increase the debt in the system that are not paid off. Deflation is bad because when prices fall profits fall which worsen the situation the debtors. Then recession turns into depression(Wolfson, 2). Answer 7: The Philips curve showed the inverse relationship between the tare of unemployment and the rate of increase in wage rate. The Philips curve became a cornerstone of many macroeconomic policy analysis. Friedman presented a country Philips curve where employers and the wage earners bargain over wages and both sides are willing to adjust the level of nominal wage for any inflation over the contract period i.e. wage rise or fall according to the demand of labor. The original Philips curve was applicable for short term. The long term theory is known as long run Philips curve or the non accelerating rate of unemployment (NAIRU)( The Long-Run Phillips Curve). Answer 8: "Helicopter money" is an alternative to quantitative easing and is an expansionary fiscal policy i.e. to raise the public spending or tax. So if public spending increase it will increase the GDP which will increase consumer spending causing a rise in inflation(Cohen-Setton,1). . Answer 9: Alan Greenspan focused more on controlling prices and regulating inflation rather than to achieve full employment. He also explained that the role of gold in global monetary system can predict the future financial crisis(Gold, Economic Theory and Reality).

Works Cited

Kearns, Jeff. Fed's $4 Trillion Holdings to Boost Growth Beyond End of QE: Bloomberg. (2014): 24th October. Web. 7 Apr.2016. McLeay Michael, Radia Amar and Thomas Ryland. Monetary Creation in Modern Economy. Quarterly Bulletin (2014) Web. 7 Apr.2016 The Long-Run Phillips Curve. Boundless : Concept Version 5(2014) Web. 7 Apr.2016. Wolfson, Martin H. Minsky's Theory of Financial Crisis in Global Context. Journal Of Economic Issues (2002): Volume XXXVI. Web. 7 Apr.2016 Jahan, Sarwat and Papageorgiou, Chris.What is Monetarism?. International Monetary Fund (2014): Volume 51.Web. 7 Apr.2016 Cohen-Setton, Jeremie ." Permanent QE and helicopter money"(2015).5th January.Web. 7 Apr.2016. "Gold, Economic Theory and Reality: A Conversation With Alan Greenspan". Streetwise Reports. (2014).Web. 7 Apr.2016. .


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Home — Essay Samples — Literature — Money and Class in America — The Importance of Saving Money


The Importance of Saving Money

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Published: Mar 16, 2024

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essay money and banking

Essay on Money for Students and Children

500+ words essay on money.

Money is an essential need to survive in the world. In today’s world, almost everything is possible with money. Moreover, you can fulfill any of your dreams by spending money. As a result, people work hard to earn it. Our parents work hard to fulfill our dreams .

essay money and banking

Furthermore various businessmen , entrepreneurs have startup businesses to earn profits. They have made use of their skills and intelligence in getting an upper hand in earning. Also, the employee sector works day and night to complete their tasks given to them. But still, there are many people who take shortcuts to success and get involved in corruption.

Black Money

Black money is the money that people earn with corruption . For your information corruption involves the misuse of the power of high posts. For instance, it involves taking bribes, extra money for free services, etc. Corruption is the main cause of the lack of proper growth of the country .

Moreover, money that people having authority earns misusing their powers is black money. Furthermore, these earnings do not have proper documentation. As a result, the people who earn this do not pay income tax . Which is a great offense and the person who does this can be behind bars.

Money Laundering

In simple terms, money laundering is converting black money into white money. Also, this is another illegal offense. Furthermore, money laundering also encourages various crimes. Because it is the only way criminal can use their money from illegal sources. Money laundering is a crime, and the people who practice it are liable to go to jail.

Therefore the Government is taking various preventive measures to abolish money laundering. The government is linking bank accounts to AADHAR Card. To get all the transaction detail of each bank account. As a result, the government comes to know if any transaction is from an illegal source .

Also, every bank account has its own KYC (Know your Customer) this separates different categories of income of people. Businessmen are in the high-risk category. Then comes the people who are on a high post they are in the medium-risk category. Further, the last category is of the Employee sector they are at the lowest risk.

Get the huge list of more than 500 Essay Topics and Ideas

White Money

White money is the money that people earn through legal sources. Moreover, it is the money on which the people have already paid the tax. The employee sector of any company always has white money income.

Because the tax is already levied on their income. Therefore the safest way to earn money is in the employment sector. But your income will be limited here. As a result, many people take a different path and choose entrepreneurship. This helps them in starting their own company and make profitable incomes .

Every person in this world works hard to earn money. People try different methods and set of skills to increase their incomes. But it is always not about earning money, it’s about saving and spending it. People should spend money wisely. Moreover, things should always be bought by judging their worth. Because money is not precious but the efforts you make for it are.

Q1. What is Black Money?

A1. Black money is the money that people earn through illegal ways. It is strictly prohibited in our country. And the people who have it can go to jail.

Q2. What is the difference between Black money and White money?

A2. The difference between black money and white money is, Black money comes from illegal earnings. But white money comes from legal sources with taxation levied on it.

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  • Money and Banking


What is Money?

Money is any item that everyone accepts as a medium of exchange. It is widely recognized as a means for purchasing goods and services and repayment of debts. It allows people to receive anything that they need for a livelihood.

In ancient times, people used to obtain things through the barter system. Here, two individuals or parties would exchange goods and services that the other needs. But the earlier method of bartering did not have the ease of transferability that eventually led to the invention of Money. 

For Example-   if anyone has rice but needs milk, he/she must find someone who not only has milk but also has the requisite of preparing meals. What if anyone finds a person who can offer milk but needs clothes? 

A trade cannot occur in such a situation. Due to such recurring hassles, a relatively more straightforward medium of exchange came into existence, and now it has worldwide recognition.

As per the meaning of Money in economics, it is a medium of exchange, a unit of accounting that allows people to make any transaction.

In terms of exchange, traders accept Money as a medium for buying or selling commodities, and employees consider it a means of remuneration for their labour. As a unit of accounting, it acts as a quick and easy method of calculation.

For Example- when someone inquires about the value of an item, it can be merely quoted in its monetary denomination.

What are the Properties of Money?

The concept of Money in economics is considered as a crucial element for the proper functioning of an Economy. It has become an essential means of exchange in the entire world. It has value, and people use it to obtain things that they wish to avail.

There are specific properties of Money that account for its worldwide usage. Some of these include:

Interchangeability: Money has a universal application as one can interchange it with other things.

Repeated Usage: One can use it again and again to purchase anything. It does not lose its value with time.

Transferable: Anyone can carry Money from one place to another due to its portability.

Define Banking

A Bank is a financial institution that allows people to make deposits and receive credit. In India, Banks are licensed by the Reserve Bank of India. It operates to provide financial assistance to borrowers and allow cash transactions.

Similarly, Banking is an industry that allows credit, handles deposits, and provides financial help to borrowers. More broadly, it is a network that facilitates the Money flow in the Economy. Banks also facilitate companies with an adequate amount of funds to finance their operations.

Money and Banking are the two most essential components that drive the Economy. Money allows people to make transactions, whereas Banks play a vital role in circulating the Money supply in the Market.

What are the Different Types of Banks?

Banks provide long-term credit opportunities such as credit cards, Business loans, mortgages, etc. Similar to other Businesses, the goal of any Bank is to earn Profits.

They earn profits from the difference in interest rates charged from borrowers and offered to depositors.

For instance, a Bank gains 4% Profit by charging 6% interest from its borrowers and paying 2% interest to savings account holders.

There are different types of Banks operating in the Market. They are listed out below as:

Retail Banks: These Banks offer services to the public, and they deal with the retail Market. Their services are known as general Banking as they provide facilities such as savings accounts, current accounts, short-term loans, credit cards, personal loans, etc. Most retail banks offer wealth management facilities to their customers. They also provide foreign exchange facilities to their NRI customers.

Commercial Banks: They are also known as corporate Banks, and these institutions provide specific services to the companies. Apart from its daily Banking functions, they offer cash management, trade finance, real estate, and employer services to their corporate clients.

Exchange Banks: These Banks mainly facilitate foreign trade in a country. They accept, collect, and allow discounting of bills of exchange. These Banks also deal in buying and selling of foreign currencies along with general Banking activities.

Co-operative Banks: The primary function of these banks is to provide loans at a relatively lower rate of interest to farmers. They offer both short-term and long-term loan facilities to their customers. Short-term loans include credit for purchasing fertilizers, seeds, etc. whereas long-term funds include credit offerings to farmers for purchasing lands, etc.

Central Banks: A central Bank is considered as a lender of last resort. It does not directly deal with the general public; instead, it regulates the functions of the other Banks. They are responsible for controlling inflation, rate of interest, and monetary policy, among other necessary functions in an Economy.

Why is Banking Essential?

The primary purpose of a Bank is to keep customers Money secured. People find it safe to save Money in Banks as they provide protection.

Apart from security, it allows interest on savings to their customers. Instead of keeping Money at home, people find it more convenient to save in Banks.

Banking has become an integral part, as it facilitates advancing loans to different entities. For instance, they offer loans and credit cards to individuals to inflate their purchasing power. They also provide financial advice to its borrowers to aid Business decisions.

There has been a constant evolution of Money and Banking with time. With the ever-increasing demand of customers, new regulations have been implemented in the Banking industry. The value of Money always changes with time, and Banks ensure a smooth flow of Money in the Market.

To get a better and in-depth insight into the Money and Banking project, visit Vedantu’s official website today.

Vedantu is an online learning app that helps students to understand detailed concepts with ease. Money and Banking are essential topics in the CBSE Curriculum of schools. In Class 11th and 12th, this Chapter is categorized under the Commerce stream. It is an important Chapter. In addition, it helps in laying a strong foundation for the students who want to pursue their careers in the field of commerce and Banking.

In order to understand the complex topics included with the Chapters of CBSE Class 12th Economics, students are advised to consider the introductory Chapters equally important. For instance, if you will comprehend the definition of Money at a deeper level then it will be much easier to understand the related topics like Money supply in the upcoming Chapters. 

For the students who wish to appear for the competitive exams in the future, Money and Banking is specifically important for them. 

Types of Money

Once you are familiar with the definition of the term- Money the next step involves learning the types of Money that come with it. It is an important question that is apparent in its repetition among the previous year's question papers. 

According to the Economists, Money can be categorized into four types-

Fiat Money- It consists of the type of currency that is legally issued by the government. In simpler terms, it does not involve physical commodities like gold and silver. Examples of fiat Money include- the US dollar, the euro, and the pound.

Commercial Money- It is the type of currency that is generated by commercial Banks. Commercial Banks are responsible for making Money by providing loans. It can be in any form like personal loans, mortgages, etc. In simpler terms, the amount of Money that is produced by the commercial Banks is called commercial Money. 

Fiduciary Money- Are you aware of what a cheque is? Well, it is one of the primary examples to understand fiduciary Money. A cheque is defined as a means of payment between the payer and the payee which is based on the trust between these people rather than any official involvement of the government. To put it simply, Fiduciary Money is the type of currency that involves Money based on the trust between the payer and the payee. 

Commodity Money- As the term describes, is defined as the type of Money that is based on the value of a commodity. These commodities hold an inner value of their own. It varies from commodity to commodity. Instances of Commodity Money include- Gold, silver, copper. 


FAQs on Money and Banking

1. What are Commercial Banks?

Commercial Banks are the institutions that receive deposits from the general country population and provide loans in order to earn Profits. These Banks are also known as corporate Banks. In addition to the daily Banking functions like other Banks, commercial banks are also responsible for cash management, providing Banking services to their corporate clients, trade finance, real estate, etc. Experts at Vedantu have defined different types of Banks in detail along with their important functions. In order to promote practical learning, mentioning a few real examples for each of these Banks can help you to stand out in your exam. Some of the commercial Banks that function in India are- State Bank of India(SBI) and Corporation Bank.

2. What are the disadvantages of the Barter system?

The barter system is a method in which two individuals or parties exchange the good services needed by each one of them. However, it is ancient and is no longer prevalent in the Economy. 

The major disadvantage of the Barter system is 'Double coincidence of wants.  According to this, the Barter system has a major condition. This method works only when both the individuals are willing/or in need of exchanging their goods and services. Vedantu has explained this drawback in detail with the help of an illustrative example. Visit the website for the full explanation. You can have access to it for free. 

3. How is Money helpful in solving the problems involved with the barter system?

The Evolution of Money had been primarily done to ease the process of exchange. Money is accepted as a standard medium of exchange across all nations. 

In the Barter system, there was a problem of double coincidence of wants. Money overcomes this by being the common medium of exchange for both the individuals/parties. 

It also helps in measuring the value of goods and services. Without Money, there was no certain unit to measure the price for the goods or services provided by other people. 

Since Money is legally accepted by the government, it is the official standard across the world. Before evolution, it was difficult to undertake fair decisions on these matters.

4. What are the important functions of the Central Bank?

The important functions of the central Banks get significantly covered in their definition itself. The Central Bank is known as the lender of last resort. It is the highest institution that controls and regulates the quantity of Money. It is basically responsible for the economic good of the country's population. In addition, there are a lot of policies that get framed in order to ensure a smooth flow of Money in the Economy. The Central Bank is responsible for designing this structure and the fair execution of these policies. 

5. Explain the properties of Money?

Vedantu has explained the concept of Money in detail. Experts have made sure to include all the important questions that will give you the sample of questions from this Chapter. In Economics, Money is considered the most significant and important part of the proper operation of an Economy. The properties of Money include:

Interchangeability- Money is accepted as a standard unit universally. It can be interchanged with any commodity. 

Repeated Usage- Money has a certain value that does not get lost with time. You can use it to buy other things repeatedly. 

Transferable- It's very easy to transfer. You can conveniently carry Money and take it from one place to another.

6. Difference Between Money and Banking?

Banks are organized institutions that accept deposits from depositors and advance loans to borrowers. On the other hand, Money is the medium of exchange that allows the transfer of ownership of commodities from one person to the other.

7. What is the Financial System?

A financial system allows the exchange of Money among lenders, borrowers, and investors. They deal with the allocation of savings, mobilization of funds, and facilities financial transactions.

essay money and banking

I’m a Bank Teller: 9 Reasons Banking In-Person Is More Financially Savvy Than Banking Online

M ost of us do our banking completely online now. It’s just a fact of the digital age — when you can deposit a check right into your bank’s mobile app, what’s the point of trekking to a branch? However, veteran bank teller Rachael P. says we shouldn’t abandon in-person banking entirely. 

Find Out: I’m a Bank Teller: 9 Reasons You Should Never Ask for $2 Bills From the Bank

Read Next: 4 Genius Things All Wealthy People Do With Their Money

“There are still plenty of advantages to physically going into a branch,” Rachael shared. “Sure, digital banking is easy. But something can be lost when you have zero human interaction with your bank.”

While digital banking is booming, she believes making an effort to head into branches periodically can actually pay financial dividends. Here are the nine reasons you should consider in-person banking over banking online, according to a bank teller.  

Catch Errors and Fraud Faster

“Something just feels more official when you’re looking at physical statements and documents rather than numbers on a screen,” Rachael said. “It makes it easier to identify errors, missing funds or potential fraud right away rather than just scrolling past it.”

Speaking to a real person can facilitate quicker resolution as well.

Tap Into Professional Expertise

“At the end of the day, we’re trained financial professionals who understand banking, regulations and money management inside and out,” she stated. “Sure, that internet chat rep seems friendly. But you’ll get way deeper insights by actually talking to someone face-to-face.”

Learn More: How Can You Withdraw Money From a Bank Account? 3 Ways To Know

Negotiate Better Rates and Fees

You’d be surprised what a teller or personal banker can do if you simply ask politely. Whether it’s lowering fees, getting a better interest rate or waiving penalties, simply walking into a branch gives you way more flexibility than online interactions.

Build Relationships and Get Personalized Service

“When you bank in person, we get to know you as a real individual,” Rachael explained. “Not just an account number. That allows us to treat you as a person and provide much more personalized service tailored to your specific needs and situation.”

Ask Questions More Easily

While you can technically message customer service online, Rachael noted it’s way more efficient and thorough to simply walk in and ask.

“As tellers, we have a direct line to just about any information or expertise you need about banking, accounts, policies – you name it.”

Handle Complex Transactions Seamlessly  

Routine transfers and payments are easy online. But for more complex transactions like estates, business dealings or major cashflows, Rachael prefers doing them in person.

“It’s a lot of numbers to juggle that are easier in person. Plus you get the secure guidance to make sure everything is handled properly.”

Set Up New Accounts More Easily

“When customers come in, we can walk them through all the different account options to find the right fit without a thousand clicks or pages to scroll through,” she said. “There’s just more flexibility to customize and explain everything clearly.”

Appreciate Money’s Value More  

“There’s just an inherent psychological disconnect when you never handle physical cash,” Rachael stated. “If you bank only digitally, it can start to feel like Monopoly money versus recognizing its true value.”

In-person banking forces you to be more cognizant of what your money represents.

Get the ‘Human’ Customer Experience  

“You don’t realize how valuable a genuine smile, friendly greeting or thoughtful conversation is until it’s gone,” Rachael said. “Digital banking is convenient, but you’ll never get that true human experience without visiting a branch every now and then.”

While online banking’s ease and accessibility are great, Rachael believes never going into a physical location is a mistake. 

“Technology is amazing, but it can make us a bit complacent too,” she said. “If you just put in a little extra effort to engage with real people at real branches more regularly, I guarantee you’ll have that extra edge when it comes to money management.”

From cutting better deals to gaining personalized advice, maximizing your banking IQ and simply appreciating the value of a dollar more, making time for old-fashioned in-person banking has its distinct upsides.

“I always tell customers, you’d never buy a house or a car without experiencing it in person first, right? Think of your bank the same way. That human touch really does matter more than you’d expect for your overall financial well-being.”

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This article originally appeared on GOBankingRates.com : I’m a Bank Teller: 9 Reasons Banking In-Person Is More Financially Savvy Than Banking Online

Bank Tellers — $28,060/$13.49 per Hour

  • Essay On Bank

Essay on Bank

500+ words essay on bank.

Banks are an integral part of the modern economy. They play a major role in the economic growth and development of a country. The idea of banking evolved with the idea of money. In India, public sector banks (PSBs) have been working to provide banking services in urban and rural areas since 1970. These public sector banks account for nearly 70% of banking activity in India. With the help of this essay on banks, students will get to know the functions performed by banks and their importance for individuals and the country. To help students in improving their essay-writing skills, we have also compiled a list of CBSE Essays on different topics. By practising these essays, they can boost their writing skills and also score good marks on the English exam.

Meaning of Bank

Banks are mainly linked to depositing and lending money. In Indian society, moneylenders used to give money to people in ancient times. They charged a high rate of interest to people as there were no banks or banking systems available at that time. But, with the change in time, the banking system was introduced in India. Now, we have public sector banks and private banks.

A bank is a financial institution that deals with deposits, withdrawals and other related banking services. Bank receives money from those who want to save in the form of deposits, and it lends money to those who need it. A bank is a financial institution that works as an intermediary to accept deposits and channels those deposits into various lending activities. It does so through loans or capital markets. A bank establishes the connection between the customers who have capital surpluses and those with capital deficits. In India, all banks operate under the guidelines of the Reserve Bank of India, which is known as the banker’s bank.

Functions of Bank

Banking is the lifeline of the modern economy. It has played a very important role in the economic development of all the nations of the world. We can not think of modern commerce without banking. Banking is a business which seeks profits like any other business. The banking business mainly constitutes borrowing and lending as their basic functions. Now, banks are providing many other services to people, such as net banking, online shopping, mobile banking, granting loans and advances, short-term credit, pension payments, acting as a dealer in foreign currency etc. A common person can safely deposit their money in the banks.

How Important are Banks for Development?

Banks are the most important financial pillars. They play a vital role in the economic development of a country. The financing requirements of industries, trades, agriculture and other business are met with the help of banks. Therefore, if the banking system of a country becomes strong, then the development of the country will also be at a faster rate. In today’s economy, banks are not only dealing with money, but they are also contributing to the development of the nation. They play a crucial role in the disbursement of credit and the mobilisation of deposits to various sectors of the economy. Banks also represent the economic health of the country. The strength of a nation’s economy depends on the strength of the financial system, which depends on the banking system.

In India, banks play a crucial role in the social and economic growth of the country after independence. The banking sector in India accounts for more than half the assets of the financial sector. The Indian banks have shown much growth after the implementation of financial sector reforms.

Banks are the backbone of any country’s economy. They are responsible for running the economy and controlling the price of the markets. They perform various important functions. However, there are default NPAs, cases of corruption and security threat-related issues, but these can be resolved by implementing strict laws and rules by the government.

Students must have found the “Essay on Bank” useful for improving their essay writing skills. They can get the study material and the latest updates on CBSE/ICSE/State Board/Competitive Exams, at BYJU’S.

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  20. I'm a Bank Teller: 9 Reasons Banking In-Person Is More ...

    However, veteran bank teller Rachael P. says we shouldn't abandon in-person banking entirely. Find Out: I'm a Bank Teller: 9 Reasons You Should Never Ask for $2 Bills From the Bank

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