Featured Essay
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Supply Chain Finance: What It Does and Does Not
7 minutesSupply chain finance has a reputation. Much of it is well earned. It is spoken of as a response to the MSME credit gap, an alternative to collateral-led lending, and a faster form of working capital finance. None of that is entirely wrong. But SCF is neither a panacea nor…
AMIT’S LATEST
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Liquid on Paper- Why the Current Ratio Answers the Wrong Question
5 minutesLiquidity is one of the simplest ideas in lending until one tries to measure it properly. Bankers reach quickly for the current ratio because it…
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Musings of a Banker on Macro Economic variables and few other things
12 minutesThis guide provides important perspectives on various macroeconomic variables like GDP, Inflation, Taxation. It provides a framework to help evaluate the importance and impact of…
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Truth of Bank Deposits: Safe Bet, Rigged Game, or a Systemic Play?
5 minutesBank Deposits remain relatively safer option for a large section of uninformed depositors due to this regulatory safety net, however, the important question is –…
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Deep-Tier SCF is Magical, But Here’s Why It Doesn’t Work
8 minutesDeep-tier Supply Chain Finance (DTSCF) is often sighted as a magic spell that could transform the funding landscape for SMEs. While the concept has caught…
Topics
Lending Logic
How lenders assess borrowers, deal with uncertainty, and make credit decisions under imperfect information.
Policy Logic
How policy priorities, regulatory choices, and institutional trade-offs shape banking outcomes.
Banking Technology
How technology, data, and digital infrastructure are reshaping banking, from internal systems to ecosystem-wide rails.
About FrankBanker
Financial institutions follow perfect logic to the wrong destination. Amit Balooni has spent 25 years watching this happen — inside banks as a practitioner, outside as an advisor, and beneath the technology layer as a builder. Through FrankBanker, he writes about why, why not, and occasionally how. Sometimes, friends of FrankBanker join the debate as guest contributors. He is Founder & CEO of Hyperfin Technologies.