20+ Digital Finance International Interview Questions and Answers

To pull specific data from a table based on given conditions, use SQL SELECT statement with WHERE clause.

• Identify the table and columns containing the data

• Specify the conditions using operators such as =, >, <, LIKE, etc.

• Use SELECT statement with WHERE clause to retrieve the data

• Example: SELECT * FROM table_name WHERE column_name = 'condition'

• Use AND or OR operators to combine multiple conditions

AI in security involves using machine learning algorithms to detect and prevent cyber threats.

• AI can analyze large amounts of data to identify patterns and anomalies that may indicate a security breach.

• Examples include using AI to detect malware, phishing attacks, and network intrusions.

• AI can also be used to automate threat response and enhance incident response capabilities.

• Python libraries like TensorFlow, Keras, and Scikit-learn can be used for building AI-based security ...read more

Testing is the process of evaluating a system or component to find defects and ensure its quality.

• Testing is done to identify defects or bugs in a system or component.

• It helps in ensuring the quality and reliability of the software.

• Testing involves executing test cases and comparing the actual results with expected results.

• Different types of testing include functional testing, performance testing, security testing, etc.

• Bugs commonly found in websites include broken links, inc...read more

Joins in SQL are used to combine data from two or more tables based on a related column.

• Joins are used to retrieve data from multiple tables in a single query

• Common types of joins include inner join, left join, right join, and full outer join

• Join conditions are specified using the ON keyword and a comparison operator

• Example: SELECT * FROM table1 INNER JOIN table2 ON table1.column = table2.column

Government obligatory bonds are backed by the government's taxing power while revenue bonds are backed by the revenue generated by a specific project.

• Government obligatory bonds are issued to finance general government operations and are backed by the government's taxing power.

• Revenue bonds are issued to finance specific projects such as toll roads, airports, or hospitals and are backed by the revenue generated by the project.

• Government obligatory bonds are considered less ri...read more

Trade life cycle, equity and debt explained.

• Trade life cycle involves the steps from order placement to settlement.

• Equity represents ownership in a company and can be bought and sold on stock exchanges.

• Debt represents borrowed money that must be repaid with interest.

• Equity and debt are two common ways for companies to raise capital.

• Equity investors have a share in the company's profits and losses, while debt investors receive fixed interest payments.

• Examples of debt include b...read more

Private companies are owned by individuals or a small group, while public companies are owned by shareholders.

• Private companies have fewer regulatory requirements than public companies.

• Public companies have to disclose financial information to the public.

• Private companies are not traded on stock exchanges, while public companies are.

• Ownership in private companies is not easily transferable, while public companies can be bought and sold easily.

• Examples of private companies inc...read more

ESG stands for Environmental, Social, and Governance. It is necessary for sustainable investing. CSR stands for Corporate Social Responsibility.

• ESG factors are used to evaluate the sustainability and ethical impact of investments.

• Investors use ESG criteria to make informed decisions about companies they invest in.

• CSR refers to a company's responsibility to operate in an ethical and sustainable manner.

• CSR initiatives can include philanthropy, environmental sustainability, and ...read more

DBMS foreign key, primary key, and SQL are all related to database management systems.

• DBMS stands for Database Management System

• A primary key is a unique identifier for a record in a table

• A foreign key is a field in one table that refers to the primary key in another table

• SQL stands for Structured Query Language and is used to manage and manipulate data in a database

• Examples of DBMS include MySQL, Oracle, and Microsoft SQL Server

Bonds are debt securities issued by companies or governments to raise capital. US GAAP is a set of accounting principles used in the United States.

• Bonds are a form of borrowing where the issuer promises to pay back the principal plus interest to the bondholder.

• Bonds can be issued by companies or governments to raise capital for various purposes.

• US GAAP stands for Generally Accepted Accounting Principles and is a set of accounting rules and standards used in the United States....read more

Market research involves gathering and analyzing data about consumers, competitors, and market trends to make informed business decisions.

• Market research helps companies understand their target audience and identify opportunities for growth.

• Analytics involves using data to analyze trends, patterns, and insights to drive strategic decision-making.

• Market research and analytics can involve surveys, focus groups, data analysis, and predictive modeling.

• Examples of market research ...read more

Unit testing is a software testing technique where individual units or components of a software application are tested in isolation.

• Unit testing is done during the development phase to ensure that each unit/component of the software is working as expected.

• It helps in identifying and fixing bugs early in the development cycle.

• Unit tests are automated and can be run frequently to ensure that changes made to the code do not break existing functionality.

• It helps in improving the ...read more

Environmental, social, and governance (ESG) refers to the three central factors in measuring the sustainability and ethical impact of an investment in a company or business.

• Environmental factors focus on a company's impact on the environment, such as carbon emissions, waste management, and resource conservation.

• Social factors assess how a company manages relationships with employees, suppliers, customers, and the communities in which it operates.

• Governance factors evaluate th...read more

ESG stands for Environmental, Social, and Governance. It is a set of criteria used to evaluate a company's performance in these areas.

• Environmental pillar focuses on a company's impact on the environment, such as carbon emissions, waste management, and resource conservation.

• Social pillar assesses how a company manages relationships with employees, suppliers, customers, and the communities in which it operates.

• Governance pillar looks at the company's leadership, executive pay,...read more

Data analysis is the process of inspecting, cleaning, transforming, and modeling data to extract useful information.

• It involves identifying patterns and trends in data

• It helps in making informed decisions based on data

• It can be used in various fields such as finance, marketing, healthcare, etc.

• Examples include regression analysis, clustering, and data visualization

Golden roll is a term used in accounting to describe a company's balance sheet and cash flow.

• Golden roll refers to a company's financial statements that show its assets, liabilities, and equity at a specific point in time.

• Balance sheet provides a snapshot of a company's financial position, including what it owns (assets) and owes (liabilities).

• Cash flow statement shows how much cash a company generates and spends during a specific period of time.

• Understanding these financial ...read more

Protect online payments by using secure payment gateways, strong passwords, and monitoring transactions.

• Use secure payment gateways like PayPal or Stripe

• Create strong passwords and change them regularly

• Monitor transactions regularly for any suspicious activity

• Enable two-factor authentication for added security

• Avoid using public Wi-Fi for online payments

• Keep your computer and antivirus software up to date

• Be cautious of phishing scams and only enter payment information on trust...read more

ESG stands for Environmental, Social, and Governance. CSR stands for Corporate Social Responsibility.

• ESG refers to the three central factors in measuring the sustainability and ethical impact of an investment in a company or business.

• CSR is a company's initiative to take responsibility for the environmental and social wellbeing of the communities around them.

• ESG and CSR are both important factors in evaluating a company's impact on society and the environment.

• Examples of ESG ...read more

Fraud scenarios refer to situations where individuals or organizations deceive others for personal gain.

• Fraud can occur in various forms such as identity theft, credit card fraud, insurance fraud, and investment fraud.

• Perpetrators of fraud often use tactics such as phishing, social engineering, and hacking to gain access to sensitive information.

• Fraud can have serious consequences for victims, including financial loss, damage to credit scores, and emotional distress.

• Preventin...read more

Wipro has faced challenges in terms of stability due to changes in leadership, market competition, and industry trends.

• Wipro has experienced frequent changes in leadership which can impact stability.

• The IT industry is highly competitive, leading to challenges in maintaining stability.

• Shifts in technology and industry trends can also affect Wipro's stability.

• Despite these challenges, Wipro has a strong track record and continues to adapt to market dynamics.

Environmental, social, and governance (ESG) factors are criteria used to evaluate a company's impact on society and the environment.

• Environmental factors: Examples include carbon emissions, waste management, and renewable energy usage.

• Social factors: Examples include diversity and inclusion practices, labor relations, and community engagement.

• Governance factors: Examples include board diversity, executive compensation, and transparency in financial reporting.

Share market is where buying and selling of company stocks takes place. IPO stands for Initial Public Offering, which is when a company offers its shares to the public for the first time.

• Share market is a platform where investors can buy and sell shares of publicly traded companies.

• IPO is the first time a company offers its shares to the public to raise capital.

• Investors can participate in IPOs to become shareholders of a company.

• Share market prices are determined by supply a...read more

KYC stands for Know Your Customer and refers to the process of verifying the identity of clients. Sanctions are restrictions imposed on individuals or entities by governments or international organizations.

• KYC involves collecting information about customers to verify their identity and assess the risk of illegal activities.

• Sanctions are penalties or restrictions imposed on individuals, companies, or countries to achieve specific policy goals.

• KYC helps prevent money laundering...read more

Phishing is a type of cyber attack where attackers trick people into giving away sensitive information.

• Phishing attacks can come in the form of emails, text messages, or phone calls.

• Attackers often pose as a trustworthy entity, such as a bank or a popular website.

• The goal of phishing is to steal personal information, such as passwords or credit card numbers.

• Phishing attacks can be prevented by being cautious of unsolicited messages and verifying the legitimacy of the sender.

• E...read more

Equity represents ownership in a company and is measured by the value of assets minus liabilities.

• Equity is the value of an asset after deducting any liabilities associated with that asset.

• It represents ownership in a company and can be in the form of stocks or shares.

• Equity holders have a claim on the company's assets and earnings.

• Common types of equity include common stock, preferred stock, and retained earnings.

Stakeholders of a company are individuals or groups who have an interest in the success of the business.

• Investors - individuals or organizations who have invested money in the company

• Employees - individuals working for the company

• Customers - individuals or businesses who purchase goods or services from the company

• Suppliers - individuals or businesses who provide goods or services to the company

• Government - regulatory bodies that oversee the company's operations

• Community - loc...read more