Featured Essay
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Hey bank, I don’t care about your technology.
9 minutesYou launched that industry first AI powered decisioning suite. Your entire competition announced exactly the same. Meanwhile your IVR is still a fossil from 1998. Your account opening still can’t resolve a simple deviation. There is something wrong in the way Banks talk about technology. This essay explores what’s wrong…
More Essays
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From Scorecards to AI: Why Automating Credit Decisions Is Harder Than It Looks
17 minutesWhat happens when a credit model becomes more confident than the evidence beneath it? Credit automation works best when the borrower, data and decision are…
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Cooperative Banks: A Sector Waiting for Its Technology Moment
11 minutesCooperative banks sit at a strange crossroads: deeply trusted by the communities they serve, yet held back by technology stacks never really designed for them.…
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The Strange Logic of the Lending Stack
8 minutesBanks do not suffer because lending is fragmented. They suffer because the technology supporting lending evolved in fragments. CRM, LOS, LMS, scoring, analytics, and integrations…
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Supply Chain Finance: What It Does and Does Not
7 minutesSupply chain finance explained for Indian lenders — what SCF actually delivers for NBFCs and banks, where its credit logic holds, and where its limits…
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Liquid on Paper- Why the Current Ratio Answers the Wrong Question
5 minutesWhy Indian bankers rely on the current ratio for borrower liquidity assessment — and why it consistently misleads. A practical guide to reading liquidity quality…
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