另一种分类的金融服务业在英国是它的功能、能力、交易工具和更多的（N 2009）。他们将被列为货币市场、股票市场、债券市场、外汇市场和衍生市场。例如，货币市场是一个能够为个人或其他单位提供借贷服务的市场。政府国库票据和存款凭证都是货币市场中使用的短期工具的例子。另一方面，股票市场比货币市场更长期。在这里，这些金融市场将允许更多的机构投资者，无论是公司或保险公司和其他。一个有组织的交换是通过货币股份意味着创造，通过“场外市场”（尼夫2009 P 241）。在这里，有一个外部实体创造的机会，以获得这样的问题实体的所有权。债券市场是另一种形式的地方政府将问题如欧元债券，债券国债，并掩盖了。
The financial service institution that is being considered for this research is operating in the UK market where there are two main classifications, the deposit taking institution is one and the non-deposit taking institution is another (Peter 2000). Deposit taking Institutions or DTIs such as HSBC and Barclays will receive money from one client and will rotate money through lending to other clients. In addition to retail banks, Credit Union and Building societies also do this. However for a DTI the time the money is held at institution is less. In the case of a Non Deposit Taking Institution Non-DTI the funds are held for a longer period of time. These Non-DTI’s are the investment banks, they do not allow an easy withdrawal of the money invested.
Yet another classification of the financial services industry in the United Kingdom is in terms of its function, capability, the trading instruments and more (Neave 2009). They would be classified as Money markets, equity markets, bond markets, foreign exchange markets and derivative markets. The Money market for instance is one that would offer both borrowing and lending services to individual or other units. The Government Treasury Bills and Certificates Of Deposit are all examples of the short term instruments used in the Money Market. An equity market on the other hand is more long term than the money market. Here these financial markets will allow for more institutional investors who are either corporations or insurance companies and other. An organized exchange is created by means of money shares, via the “over- the counter market” (Neave 2009 P 241). Here there is a chance created for outside entities to acquire ownership of such an issues entity. The Bond market is yet another form where the Government will issue bonds such as the Eurobonds, Treasury, and Gilds.