Featured Essay
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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 predictable. Outside that boundary, better models can create greater confidence without greater understanding. From scorecards and machine learning to AI, the real challenge is knowing…
AMIT’S LATEST
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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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Musings of a Banker on Macro Economic variables and few other things
12 minutesHow macroeconomic variables — GDP, inflation, interest rates, policy actions — actually affect banking and lending decisions in India. A practitioner’s perspective, not a textbook…
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 absurd destinations. 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. In these pages he explores why, why not, and occasionally how. He is founder & CEO of Hyperfin Technologies, building Lending stack and AI infra for the banking. Sometimes, friends of FrankBanker join in as guest contributors here. An unhurried research team, working at its own pace, builds information-rich Banker’s guides.