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This endeavour took a great amount of work and dedication to complete but I am proud of the work I put in to make a
successful and product that met all my criteria.
I am in no competition with no one. I have no desire to play the game of being better with anyone. I am simply trying to be
better than the person I was yesterday.

What sets me apart from my peers and mentors thus outperform the competition?
Fuel innovation and growth.

Simple measures not only add up but it is an intense and important process that can’t be rushed at the end, that is, seeing is
believing. A thriving future is in my hands and I have the power to change my life. I am geared towards excellence so as to
keep pace with prevailing trends and well equipped so as to be able to rise to the challenges lying ahead.  Curating my
journey is more than development: it's how I design my life which are the basic building blocks. This website include
experiences and capabilities that are customarily left off my curriculum vitae/resume, yet fundamentally make, myself.

Let's begin my journey in the finance world.

 Overview

In January 2005,

so I have to become an adept quickly,

The financial services part of my portfolio came with a heavy backlog of international obligations which had been kept ‘in
limbo’ for years. Maintaining the status quo was not an option for Mauritius, since developments at international level had
simply overtaken the complacencies prevailing during the past decade.
Introduction
 Profile

Identity

Statement
 Expedition

Once I leave this world, people will talk about my legacy which I think is untouchable. This is my purpose: to make as
meaningful as possible this life that has been bestowed upon me; to live in such a way that I may be proud of myself; to act
in such a way that some part of me lives on. 

Human are creatures of habits. Habits have a unique way of making life easier. So, I posed the question. What are the key
habits that have contributed in shaping my journey? Successful people are those who are determined, persistent to fulfil
their desired goal. A satisfied life is much better as the satisfaction is measured by my own mind and heart. A satisfied life is
a life well spent. 

Personal Phase: This is what I aspire to achieve for myself and in my personal relationships. Personal success can be
defined by everything I do in my life that makes me happy.

Professional Phase: This is what I’m aiming for in my endeavours, or your place of work. Professional success can be
defined by everything you do at work that makes you happy.

                  Think of them this way – what I want to achieve at home and what I want to achieve at work.

I will spend on average 40 years in the world of work after having completed an average of 21 years of education at pre-
primary, primary, secondary and tertiary level. Choosing the right course of domain and career is therefore of paramount
importance.

Personal vs. Professional Success:

Two Independent Dimensions/Realms

Is It Possible To Have Both?

Potential as the key to success.

Live in the now, be present in body and mind, ensure I take full advantage of the time I have, in order to live life without
regrets. It’s nonetheless an important component of well-being, to taking control of my life, and to realise the personal
and/or professional success I desire. Maximize my potential.

Whether in the personal or professional realm, goal setting is an important aspect in becoming a productive individual, who
effectively manages time.

Personal success supports and reinforces professional success. Professional success reinforces personal success. And
together, they reinforce life’s most important pursuit — happiness. Consequently, happiness brings fulfillment, and
fulfillment brings even more happiness.

One who does end up reaching their highest potential always possess certain qualities and habits that allowed them to get
there which separate them from those who don't. The meaning of success varies with individuals.

I tend to be rather enthusiastic about life anyways, so it becomes a fun game for me to think of the best phrases to repeat
around me. Staying positive will do wonders for your personal and professional success. I strive to be successful, but it
doesn't always come easily. Either way, spend my time wisely and in such a way that promotes both professional and
personal success and much better off in the long run if I work on both of these goals in tandem, as they will also work off of
each other and provide strong gains.

It definitely helps me to have a better attitude about life, but it comes from an overall outlook in my perspective.  It’s this
focus that has gotten me through many challenges along the way, and it is what has helped those around me to also
remain on a positive course. It’s not about things; it’s about people and the experiences I enjoy together. I will continue to
be grateful for every opportunity to learn and grow, knowing that this will benefit my future and ensure that I am
successful. I strive to find joy in every moment. It’s a simple and productive way to encourage myself to assess and structure
my own development.
 Excellence  always sells.

Excellence means greatness — the very best. Achieving excellence is never easy to do.  Excellence is defined as the condition
of surpassing some standards of expectation. An opportunity to be placed in diverse and complex situations. Excellence is
the journey of development beyond one's self and is a step-by-step process of improving oneself in every aspect of life.
Although the process is difficult and requires patience but it benefits those who want to live a successful and happy life. To
achieve my highest potential in life.

Persistence will get me there (lead to the door), consistency will keep me there (key to unlock it).

Those who have achieved excellence live a productive life, enjoy healthy relationships and have international satisfaction. It
manifests in self-defined and self-valued achievement that reflects one's best efforts. Excellence evokes the courage to take
the path less travelled.

Personal Excellence: It is the continual process of raising the bar higher in whatever activities I do.

Professional Excellence: It is the adoption of outstanding practices in managing the organisation and achieving results. 

       Creativity and Innovation

All in the name of skill of the future which involves stepping outside the day-to-day to devise novel solutions.

Shaping up my endeavours through creativity and innovation thus promoting and pioneering for sustainable development
to enhance my qualify of life. Creativity is typically centred around original thought and knowledge, which unleashes
potential and is an integral part of idea generation. Innovation, on the other hand, is used to turn the creative idea that I
come up with into a viable solution. Creativity and innovation are characteristics that I seek to develop to help them look at
the world in new ways and form ideas to improve or add to it.
 Initiation

It indicates the role of the financial adept within an organisation and to determine the most appropriate objective to be
sought when carrying out the endeavours. Although organisation will vary in form, size and purpose, the function is basic to
all. The financial adept occupies a significant place in the structure of all organisations and the role has changed over time
as it had changed in the 1990’s in Mauritius and is still changing nowadays. The financial adept is responsible for making
choices between alternative courses of action and it is important, therefore, that the goal be determined before
alternatives are evaluated. The dedication and commitment go beyond financial well-being.

As it can be said that as a financial adept, I am quite curious about every area of the financial domain therefore I am ‘an
adept of emergence’. It’s all about the goal than seems possible and next to nothing as it makes the perfect sense as
someone who sees a particular nature between the community of science, art and technology. As finance or financial
services are the medium behind the mechanism. Certainly, or possibly, I want to be a financial adept as the versatility would
have been altogether surprising. The rigour which lives on nowadays is a much wider sphere as well as the force behind the
scenes as someone who has an affinity for finance and the significant techniques change the world – an understanding to
devise the financial domain.

It brushes the surface that as a financial adept I have to offer as studying a variety of things it doesn’t hinder my ability as
an individual which although I quite remain resolute. It is the consolidation of topics which should greatly assist me in the
financial environment in a concise and precise manner.
 Financial Services (Traditional)
 
&
 
Financial Technology (Methodical)
 
Most popularising and demanding endeavour or domain.
The basis is very unique and essential.
 
The most innovative, complete and modern tool for all endeavours.

FST – Financial Services and Technology

Advancing the financial world takes three letters.

It’s key to have something who’s looking out for me.

My financial line  provides information about different routes or avenues into the financial industry. Financial adept
originally evolved from many roles to now encompass the complete range of solutions to help the overall affairs. A financial
adept may use various titles whether is registered or licensed.

I live in a digitalisation financial community. Being connected is the new normal. The digital community is growing and
connectivity is increasing regardless of age thus increasing mobility and flexibility.

Being good with technology can open the door to so many different career paths for me. I may have a bright future thanks
to my skills and my passions. Get excited about the endless possibilities. Along with technology, another field that continues
to expand, grow, and change is the financial industry. As the world becomes more and more digitized, the worlds of finance
and technology start to overlap more. Having a background in tech opens the door to a career in finances in new and
exciting ways.

Taking the opportunity to explore different areas where my skills and interests can collide to create a fulfilling, prosperous
career.

Financial Services

Whether I’m looking to start an apprenticeship, gain a qualification or continue my professional development to
suit various career stages. From programmes through to globally recognised qualifications and one-day sessions,
I’ll gain industry expertise and technical ability that sets me apart and open up career paths in the financial
services sector. It is considered to be quite safe as nobody expects financial services to disappear anytime soon.

Financial services may simply define as services offered by financial institutions like the loan, insurance, banking etc. Also,
financial services mean planning, organizing, directing and controlling the financial activities such as procurement
investment and administration of funds of an enterprise. It means applying general management principles to financial
resources of the enterprise. Besides, it is also process of framing objectives, policies, procedures, programs and budgets
regarding the financial activities of a concern. This ensures effective and adequate financial and investment policies.

Importance

A financial service is best described as the process by which a consumer or business acquires a financial good. The presence
of financial services enables a country to improve its economic condition. Financial services are an increasingly influential
sector of the modern economy. Besides, it refers to a broad range of more specific activities such as banking, investing, and
insurance.

Functions

The following functions of financial services below are:

 Facilitating transactions (exchange of goods and services) in the economy.

 Mobilizing savings (for which the outlets would otherwise be much more limited).
 Allocating capital funds (notably to finance productive investment).
 Monitoring managers (so that the funds allocated will spend as envisaged).
 Transforming risk (reducing it through aggregation and enabling it to carry by those more willing to
bear it).
 Financial Technology (FinTech)

Technology has transformed the financial services sector during the last decade. The technological revolution that is taking
place in finance right now is expected to progress at an ever-quicker pace during the next decade. For anyone working in
this sector, it has become increasingly important to keep up with new technological developments if they want to avoid
getting left behind by the competition.

Fintech, the word, is a combination of "finance and technology". FinTech, a portmanteau of financial technology in the
application of a new technological advancement to products and services in the financial industry or refers to the
integration of technology into offerings by financial services. Besides, FinTech is a catch-all term referring to software,
mobile applications, and other technologies created to improve and automate traditional forms of finance for businesses
and consumers alike. Although the term Fintech is relatively new, the origin of Fintech is around the late 1800s and early
1900s. The technological change is transforming the financial sector and the economy. FinTech innovations are affecting
many different areas of financial services. FinTech as technologically enabled innovation in financial services that could
result in new business models, applications, processes or products with an associated material effect on financial markets
and institutions and the provision of financial services.

It is an emerging industry that uses technology to improve activities in banking and financial services world at large. Fintech
(and by extension Fintech careers) is expanding at an unprecedented rate, enveloping seemingly every vertical in finance.
Emerging technologies like machine learning, blockchain and artificial intelligence provide incumbents and upstarts with
new ways to create value in financial services.

With the digital revolution that is happening in the financial sector of Mauritius and as an avant-garde jurisdiction the
country possesses the ecosystem to assist the global ambitions of FinTech. As more and more professionals wake up to the
fact that Fintech is transforming finance, the next logical step is to understand: how they can start a career in Fintech?
Luckily the marketplace is evolving to provide a number of solutions. Courses that carry industry recognised certifications
are fast appearing and a wide variety of job roles are being created in the Fintech sector.

The financial services industry is in the midst of an evolutionary shift. Changes in customer behaviours, skyrocketing
expectations, constant disruption, new technologies, and digitization throughout the business model are affecting
organizations at every level. Also, as a FinTech passionate, I firmly believe that the financial services industry is an ever-
changing sector with plenty of hidden possibilities; which is why I am an avid learner of all the intricacies of the financial
sector to better it from scratch one day. It is most certainly been an interesting journey navigating through the digital
landscape up to this point, and operating now in the FinTech field.
The framework is known as the endorsement of the corporate world, that is, finance or financial (financial services and
financial technology) or as a financial adept under the basis of finance as some other measures such as analysis or
assessment. Therefore, it is known as the pattern of the endeavour is endorsed and the derivatives is known to be as the
framework.

Financial Domain

A financial domain plays a vital role in the growth of a country. It intermediates between the transfer and allocation funds
between investors and borrowers efficiently and effectively. A financial domain refers to a realm which enables the transfer
of money. A financial domain could be defined at an international, regional or organization level. The term “domain” in
“Financial Domain” indicates a group of complex and closely linked details within an economy. It mobilizes and usefully
allocates scarce resources of a country.

Components

·        Financial Institutions
·        Financial Markets
·        Financial Intermediaries
·        Financial Policies
·        Financial Instruments (Commodities or Securities)
·        Financial Solutions (Products or Services)
·        Financial Management or Administration
·        Financial Technology
·        Financial Agencies & Bodies
 
Scope

The following scope of financial domain, and cover a wide range of activities. They can broadly classify into two, namely:

·        Traditional Activities
·        Methodical Activities
On the whole, the financial domain is all about:

The financial domain provides a plethora of things to meet the endeavour of funds or resources allocation as well as to
mediate a transaction. It is concerned with the formalities of various obligations being given to the essences or series, that
is, say thus a range of components that are relevant to the endeavours that give an assessment about the goal by
explaining the ambition to achieve it. Furthermore, the endeavours are to make the decisions in a way that it demonstrates
my mastery over formalities as a moment of claim.

The features of the financial domain are as follows:

§  Financial System

The financial system is a medium that allows the barter of funds or resources allocation which consist of various formalities.
A proper assessment of the operation of the financial system should enable to analyse financial policies or principles as well
as to interpret financial procedures or practices. The various elements such as institutions, markets, products, services and
so on that comprises the financial system vary from countries to countries but in any country the financial system has these
components such as institutions, markets and participants. Financial systems exhibit a high degree of interdependence that
refers to increasing linkages created through globalisation.
 
§  Financial Network

The financial network is a concept describing any collection of financial entities (such as institutions, markets or
participants) and the links between them to mediate a transaction. It operates within the environment of the financial
domain which create an enabling environment. Financial networks are composed of nodes, where nodes represent
institutions or participants and of edges, where edges represent the relationships. Globalisation has magnified the level of
financial interdependence across many kinds of components that facilitate the flow of trade from buyers to sellers and from
savers to lenders.
 
§  Financial Centre/Hub

A financial centre or hub is a location with a concentration of participants in the financial domain with venues and
supporting services for activities to take place. Financial centres usually host companies that offer a wide range of financial
solutions. The term hub is a metaphor, comparing the financial services industry to a wheel with a hub and spokes. The hub
is the centre of the wheel, where the axle connects and the spokes converge and therefore is of central importance to the
mechanism. Cities or regions where an economy’s financial services are located are of similar importance to their respective
economies and are thus called financial hubs.
 
§  Financial Sector/Pillar

The financial sector is a section of the economy made up of firms and institutions that provide financial services to
commercial and retail customers. This sector comprises a broad range of financial industries. The economy's health is
mainly dependent upon the efficiency of its financial sector. The better the economy is, the safer it is for the country. A
weak financial sector typically means a declining economy. It also considers regulations that could curb excesses in the
sector whilst not hindering those activities for which it enhances capacity.

Besides, the nature of the financial world is that it incorporates not only the financial industry but also the endeavours that
support its significance – the financial domain and the importance of globalisation.

              For endeavours regarding the financial domain, I am often reminded of Lord Alfred Tennyson’s profound line:
‘Knowledge comes but wisdom lingers’ as the environment in which financial stakeholders have to operate is constantly
changing.
“Slow and steady wins the race.” – Robert Lloyd

The changes or challenges in the environment in which the financial domain must operate call for an awareness of the
endeavours. Besides, it is a milestone for anyone who wants to get a hint or core of the financial world. It is largely based
on conditions or perceptions of the ever-changing financial world. Choosing the relevant medium is not solely a moment of
chance or choice as it can be of efforts.

There is no minimum level of background necessary for becoming a financial adept but most have an accreditation or
certification. Without it, the financial adept will need to have substantial experience like working in the financial industry,
financial adept often comes from a milieu of financial know-how.

These are an important event which are closely linked to "general" and "liberal" study are vastly different in many respects
but are a vital component of all certificate, diploma and degree programs.

Financial Structure

Up to a point, institutions and markets both foster economic growths. Beyond that limit, expanded institution lending or
market-based financing no longer adds to real growth. But when it comes to moderating business cycle fluctuations,
institutions and markets differ considerably in their effects.

Institutions and markets channel savings into funds in quite different ways:

·        Institutions
perform intermediation mostly on their balance sheets. They take in savings typically as deposits and
provide funding primarily in the form of loans, often through close relationships with borrowers or lenders.
·        Markets, by contrast, keep savers and investors at arm's length, by serving as a forum where debt and equity securities
are issued and traded. Institutions can overcome problems arising from asymmetric information and contract
enforcement using the knowledge they accumulate through relationships; markets do so by means of contract
covenants and the courts.

All financial systems combine institution-based and market-based intermediation. But financial structure - the particular
blend of the two intermediation channels - varies across countries.

·        The first relates to the relationship between a country's characteristic and its financial structure. It can be find that
financial structure evolves alongside the changing profile of the economy.
·        The second is the link between financial structure and economic growth. It can be find that institutions and markets
foster economic growth in a complementary way, but also that there comes a point of negative returns: beyond it,
additional institution or intermediation or factors go hand in hand with growth.
·        The third issue relates to the role institutions and markets play in moderating business cycle fluctuations. It can be find
that the shock-absorbing function of institution-oriented systems is inhibited when the downturn coincides with a
financial crisis or vice versa.
Knowledge is power.” – Francis Bacon

The basis is to determine the appropriate schema as an approach/model to finance. What also distinguish the phrases is its
universal nature as believed. The financial domain devised me as an individual who is both theoretical and practical but it is
as creative in so many ways under one domain. Talking about these aspects, there have been undoubtedly been someone
who is unprecedented and remains without peer and it span in multiple way which describes the pattern as such, I tried to
know all there was to know about the various things that could be known. As a financial adept who not only questioned the
various things around me but I actually sought the answers to the queries.
Finance is an essential component for any firm or organization. Financial endeavours deal with the related activities such as
investing, saving, borrowing, forecasting, etc. and are among the most coveted and valuable elements across the globe. A
qualified financial official plays a big role in managing the fund of a company. They are required in almost every industry
domain no matter big or small.

There are a variety of options for financial matters to choose from depending on the specific financial requirements, time
frames and syllabus varies as there are scheduling options to meet the needs of every circumstances. When it comes to
endeavours in finance, there are myriad options that only increase as I gain more expertise and experience – there are
financial avenues located all over the globe to help me meet my goals.

The qualifications help me to develop my knowledge and skills within the domain and excel in my role.

Unit 1: Financial Training Package

Unit 2: Financial Toolkit Package