REFLECTION JOURNAL in STRATEGIC FINANCIAL MANAGEMENT
NAME: JUSTINE MAE M. GALINDO COURSE/YEAR:
STRATEGIC MATRIX No. 1
1. Identify, describe and explain the new
insights in the article.
While the world is swept by various phenomena, the world
evolves to adjust and adopt and cope with the changes in
systems by making new approaches and methods.
Apparently, the world has become more advanced due to
the rise of new technology that tends to overrule the
humankind. Technology is designed to make things easier
for people; they work in such a way that humans’ toil are
reduced. On the article, however, featured a digital
investing even if COVID-19 pandemic is devastating the
world. The article has proven that banking and investing
have changed over time with the use and power of
technology. In the narrative, the article has proven that
the operation in financial institutions became more
convenient through technology. Thus, It reduces resources
to be utilized in investing because of the quick transaction
thru technology.
2. What do you think are the theories that can
STRATEGIC FINANCIAL MANAGEMENT
BSBA-FM SECTION: 3G
1. New knowledge gained in the article.
The emergence of digital space has become centered
on the daily basis of nearly every human. Digitalization
in fact has been influenced by mostly developed
countries such as Western countries. Globalization has
helped the humankind to survive despite predicaments
they are in just like the pandemic. Thus, I have learned
that the virtual world has touched even the banking
and investing institutions. I have learned that even
when there is a global plague, finances are still
operating one way or another to maintain balance in
our personal economy. I also learned that investing in
digital transformation will help humanity to prosper
because of the convenience it brings to the people.
The digital transformation has become more dynamic
due to its continuous significant change which is
certainly helpful amongst all people.
2. New theories that can be used in practice for
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 be applied in the field of financial decision making.
management?
New formulations and promulgations of new models
There are theories that can be applied in financial and theories to further fortify and uphold effective
management just as much as other types of management decision-making strategies that could potentially
such as the following: help the people in general or an organization or
 Preferred Habitat Theory flourish:
 Arbitrage Pricing Theory  Dividend Decision-Walter Model
 Pecking Order Theory  Market Segmentation Theory
 Expectations Theory  Modern Portfolio Theory
 Agency Theory  Digital Banking and Investment Theory
 Liquidity Preference Theory
 Market Segmentation Theory

Note: Do not change the format in this matrix.

STRATEGIC MATRIX No. 2

STRATEGIC FINANCIAL MANAGEMENT //gpvjr2020

Direction: Identify the financial STREGHTS, WEAKNESSES, OPPORTUNITIES, and THREATS of each alternatives using
strategic matrix 1.

INTERNAL

STRENGTHS FINACIAL DECISION WEAKNESS

 Financial transactions or Digital transformation promotes  Digital transformation may

operations thru digital are a more convenient and smooth be unstructured and
more convenient most financial transactions at the comfort complex.
especially that the world is of customers. The investment being  Less physical contact which
devastated by a pandemic. bet on will surely grow and prosper. means both the agent and
 Finances are secured digitally It is clear that finances are always the investor will have slim
or technologically part of our lives, but there are chance of getting to know
 Digital transformation is unprecedented events that we can each other.
saves more resources on the never control such as pandemic.  Digital transformation of
internal operation. But, with digital financial and other banking or investing may be
 Digital transformation is management operations, easily manipulated and it
constantly practiced; transactions will never be a may malfunction and have
therefore, the money being problem. However, digital realm technical problems.
interested will sure become may be complex on the surface
more lucrative over time which may not easily be familiarized
 AI automation is projected to by the users. Nevertheless, digital
be prevalent and dominant in transformation should be prioritized
the future just as how and invented upon, because aside
financial management from it secures our finances and our
operations are constantly health during calamities, it also
transforming into more preserves humanity due to its
modernized. harmless benefit to all people.

STRATEGIC FINANCIAL MANAGEMENT //gpvjr2020


OPPORTUNITIES
 Digital transformation in
financial management may
reach a lot of investors and
customers around the globe.
 Digital transformation may
encourage more financial
institutions to digitalize their
operations and transactions.
 It may capture more
customer values.
Note: Do not change the format in this matrix.
STRATEGIC FINANCIAL MANAGEMENT
EXTERNAL
FINANCIAL DECISION THREATS
Investing in digital  Digital financial operations
transformation is indeed very may be hijacked when the
promising, because the investment security is low.
is secured. However, when there  Digital transformation may
are opportunities, there are also cause anonymity and fraud.
threats. It is apparent that digital  Technical problems may
transformation may attract more arise anytime which will
investors and customers in financial greatly affect the users.
management; however, digital
transactions may give rise to
technical problems and
malfunctions. Thus, it is prone to
fraud and anonymity. Either way, it
is a good advice to invest in digital
transformation because the word is
ever-changing and dynamic, so is
our finances.
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