Finance
![What is an EFT payment?](https://images.ctfassets.net/40w0m41bmydz/4pTqgukoxgGpHPNM9ILDaU/9f4fedddc55846d6e1c23e5d8b667eaf/CDT-878_Organic_content_thumbnail_payments_03.png?w=680&h=384&q=50&fm=png)
Explore the EFT payment method in more detail with our comprehensive guide.
![What is an Accounting System?](https://images.ctfassets.net/40w0m41bmydz/1Dy5NMHGzJSefbW3T9tATF/c2a49f965c1ca260efbf74fa7de724d5/CDT-878_Organic_content_thumbnail_accounting_03.png?w=680&h=384&q=50&fm=png)
We explore different accounting systems and why they’re essential for businesses
![HMRC personal tax account](https://images.ctfassets.net/40w0m41bmydz/2FJ7EXJNWTEbdSvX7G00Ti/253ad9cf94977b6971a01b23164dc548/CDT-878_Organic_content_thumbnail_financial_mgmt_02.png?w=680&h=385&q=50&fm=png)
Learn what you can do with your HMRC personal tax account in our guide
![Tax identification numbers in the UK](https://images.ctfassets.net/40w0m41bmydz/2FJ7EXJNWTEbdSvX7G00Ti/253ad9cf94977b6971a01b23164dc548/CDT-878_Organic_content_thumbnail_financial_mgmt_02.png?w=680&h=385&q=50&fm=png)
Find out about the UK versions of an official Tax Identification Number
![How to Measure Operational Risk](https://images.ctfassets.net/40w0m41bmydz/2YEFkanHJwH4sE2GUT0yqi/e9e10dd2b73d81324bb513390803bb19/CDT-878_Organic_content_thumbnail_accounting_01.png?w=680&h=384&q=50&fm=png)
Maximise profits for your company by managing your operational risk
![What Is Z-Score?](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/9621771dae28976cb9c7dfb246ad6d6b/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
Z-score represents the stability of a company’s financial profile.
![How to Avoid Business Bankruptcy](https://images.ctfassets.net/40w0m41bmydz/1kQ3ksHVz5b8ki7AyL84ai/f85d8f9954379f9c51620b32af19b6f9/CDT-878_Organic_content_thumbnail_financial_mgmt_01.png?w=680&h=385&q=50&fm=png)
Do you feel like you’re drowning in bills? Here’s how to avoid bankruptcy.
![What Is Passive Income?](https://images.ctfassets.net/40w0m41bmydz/5tPd8B199ctdFNRAzHZoOk/ad5a3f15b882035bdd70213c06841761/CDT-878_Organic_content_thumbnail_financial_mgmt_04.png?w=680&h=385&q=50&fm=png)
Top up your regular revenue with these passive income investments.
![Active vs. Passive Investing](https://images.ctfassets.net/40w0m41bmydz/1kQ3ksHVz5b8ki7AyL84ai/f85d8f9954379f9c51620b32af19b6f9/CDT-878_Organic_content_thumbnail_financial_mgmt_01.png?w=680&h=385&q=50&fm=png)
How do passive income investments stack up to actively managed funds?
![The Fundamentals of Financial Analysis](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/9621771dae28976cb9c7dfb246ad6d6b/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
We explain the importance and fundamental elements of financial analysis.
![What is Conduct Risk and How to Manage it](https://images.ctfassets.net/40w0m41bmydz/2FJ7EXJNWTEbdSvX7G00Ti/253ad9cf94977b6971a01b23164dc548/CDT-878_Organic_content_thumbnail_financial_mgmt_02.png?w=680&h=385&q=50&fm=png)
Understanding conduct risk and how to manage it
![Effective Risk Management Strategies](https://images.ctfassets.net/40w0m41bmydz/1kQ3ksHVz5b8ki7AyL84ai/f85d8f9954379f9c51620b32af19b6f9/CDT-878_Organic_content_thumbnail_financial_mgmt_01.png?w=680&h=385&q=50&fm=png)
Learn how to implement an effective risk management process
![Best Risk Management Software in 2021](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/9621771dae28976cb9c7dfb246ad6d6b/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
Discover the top 10 risk assessment & management software for your business.
![What is an Actuary & Why Might You Need One?](https://images.ctfassets.net/40w0m41bmydz/2FJ7EXJNWTEbdSvX7G00Ti/253ad9cf94977b6971a01b23164dc548/CDT-878_Organic_content_thumbnail_financial_mgmt_02.png?w=680&h=385&q=50&fm=png)
We explore the role of an actuary and how they can benefit your business
![What Is a Prospectus in Finance?](https://images.ctfassets.net/40w0m41bmydz/5tPd8B199ctdFNRAzHZoOk/ad5a3f15b882035bdd70213c06841761/CDT-878_Organic_content_thumbnail_financial_mgmt_04.png?w=680&h=385&q=50&fm=png)
A prospectus allows a company to make an investment security public.
![What is Deferred Income & Why Is It Important?](https://images.ctfassets.net/40w0m41bmydz/1kQ3ksHVz5b8ki7AyL84ai/f85d8f9954379f9c51620b32af19b6f9/CDT-878_Organic_content_thumbnail_financial_mgmt_01.png?w=680&h=385&q=50&fm=png)
Find out why deferred income is an important in your business accounting.
![How to Handle a Financial Crisis](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/9621771dae28976cb9c7dfb246ad6d6b/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
Learn how to steer your business through times of financial crisis.
![Operating Budgets For Small Businesses](https://images.ctfassets.net/40w0m41bmydz/5tPd8B199ctdFNRAzHZoOk/ad5a3f15b882035bdd70213c06841761/CDT-878_Organic_content_thumbnail_financial_mgmt_04.png?w=680&h=385&q=50&fm=png)
Take control of your business costs by mastering your operating budget
![Loan Notes Explained](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/9621771dae28976cb9c7dfb246ad6d6b/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
We explain how loan notes work and how they can benefit your business.
![Share Options For Small Businesses](https://images.ctfassets.net/40w0m41bmydz/2FJ7EXJNWTEbdSvX7G00Ti/253ad9cf94977b6971a01b23164dc548/CDT-878_Organic_content_thumbnail_financial_mgmt_02.png?w=680&h=385&q=50&fm=png)
We explain how share options can work for your business.
![Identifying and Managing Financial Risk](https://images.ctfassets.net/40w0m41bmydz/5tPd8B199ctdFNRAzHZoOk/ad5a3f15b882035bdd70213c06841761/CDT-878_Organic_content_thumbnail_financial_mgmt_04.png?w=680&h=385&q=50&fm=png)
Financial risk management strategies can help you minimise loss.
![How Does Goodwill Affect Financial Statements?](https://images.ctfassets.net/40w0m41bmydz/3BK7XcG1RXW5YCoY1q3Afq/e422c813bf6aaa04517858b88765eaf0/CDT-878_Organic_content_thumbnail_accounting_02.png?w=680&h=384&q=50&fm=png)
Learn how goodwill affects financial statements and impairment accounting
![Standard Deviation in Finance](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/9621771dae28976cb9c7dfb246ad6d6b/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
Standard deviation can tell you a lot about market risk. Here’s what to know.
![What is an Escrow Account & How Does it Work?](https://images.ctfassets.net/40w0m41bmydz/2FJ7EXJNWTEbdSvX7G00Ti/253ad9cf94977b6971a01b23164dc548/CDT-878_Organic_content_thumbnail_financial_mgmt_02.png?w=680&h=385&q=50&fm=png)
We explain the meaning of escrow and what it means to have an escrow account.