But perhaps most important has been the growth of complex products that appeal to yield-hungry investors.
Banks made huge profits by buying home loans and repackaging them as complex products.
Currently, the manufacturing base is becoming high-tech and includes automobiles, iPhones, and a range of very complex products.
This is particularly true for devices that involve software or other complex products where inconsequential changes can be exaggerated.
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Outcome Profitability Metric is applicable to companies that sell complex products or solutions.
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In theory, being a conglomerate makes it easier to meet rich people and create complex products to tempt them with.
Cisco has historically struggled to sell to small businesses, which often lack the sophistication to deploy the company's complex products, says Conover.
More important, he suggested that Cisco must proceed in a world where customers everywhere on the globe want fast delivery of coherent, complex products.
Options, futures and forward contracts could be alternatives for the individual investor to invest directly, but you may consider consulting your investment adviser about purchasing such complex products.
The sector may be paying a price for its cleverness, and for all those complex products and-off balance-sheet vehicles that seemed to be working so well in the good years.
The upshot of a 231-page report on reverse mortgages released today by the Consumer Financial Protection Board is that reverse mortgages are complex products and difficult for consumers to understand.
The analysis predicts lower-tech manufacturing like textiles and apparel will stay overseas, while more complex products, like electronics and automobiles, might be more likely to be made in the United States.
Barclays, HSBC, Lloyds and RBS have all agreed to stop selling the most complex products, called structured collars, to retail clients, and to provide redress to those that bought the most complex products.
As I noted the other day, this is particularly true for software devices and other complex products, where trivial changes can be exaggerated in an effort to run out the clock on a patent.
Solectron (nyse: SLR - news - people ), a contract manufacturer, has moved production of more complex products like high-end servers and set-top boxes from the U.S. to Mexico in recent years.
Curiously, as the internet has enabled investors to access information regarding investments more rapidly than ever, opaque, complex products, such as hedge funds and structured notes, promising impressive returns that are virtually impossible to verify have proliferated.
The reason that Best Buy is so successful was because it took complex products and make them simplified for purchase at the store level with support staff much like how people come to a retail shop to buy things.
Park, Lieber and several other noted nanotechies comprise the scientific advisory team and provide patents and consulting sessions. (The founders hold 20% of the company.) Bock wants Nanosys to build nanowire enabled modules--say, for a simple biosensor--which corporate partners could plug into more complex products.
The FSA is expected to simply ban some products, such complex structured products, for retail investors, as Belgium has already.
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And, finally, we need to start addressing the risks posed by derivatives and other complex financial products.
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No matter how sleepy you think your industry might be, or how complex your products are, people love to connect with other people.
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Barclays has also been caught up in another investigation, relating to the mis-selling of complex financial products - interest rate swaps - to small businesses.
Implementing the change only for direct investments will allow regulators to study the impact of the change prior to lifting the ban for more complex financial products.
Worse, it is no longer just collateralised-debt obligations and other complex securitised products that are hurting the world's largest bank (by assets if no longer by market value).
That led nowhere, but in 2003 and 2004 AIG settled several cases in which it was accused of helping corporate clients massage their earnings numbers through complex financial products.
Before investing spare dollars for retirement in mutual stock and bond funds, or buying complex insurance products that are subject to market risk, those 25-year-olds should first focus on savings.
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But much of it was due to the irresponsibility of large financial institutions on Wall Street that gambled on risky loans and complex financial products, seeking short-term profits and big bonuses with little regard for long-term consequences.
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His point was that much of the explosive growth in the trading of complex financial products - CDOs, ABSs, CDS, EFTs and so on, until we were all alphabetty crazy - may have been (in his words) socially useless.
Many people whose retirements went upside down in the Great Recession had been sold as opposed to bought those complex investment products that held the promise of outsized rewards but also came with the risk the investment houses and other financial institutions shifted onto them.
It will go wider than just the attempted manipulation of interest rates for which Barclays was punished by regulators last week, to presumably include the mis-selling of PPI insurance and the inappropriate sales of complex financial products called swaps that were sold to small businesses ( see this blog from last week for more details).
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