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Latest Articles

How Artificial Intelligence will transform Banking

The scenario in 2030 may seem like fiction but the speed at which Artificial Intelligence (AI)is evolving, this may be a very simple use case.

Banks Vs Fintechs

I feel guilty. Despite having spent most of my worklifewith banks,I still can’t defend them.It isn’t easy to shield an intermediary.

Machine Learning And AML

No matter how much the globalisation theorists may want you to believe, the world post 9/11 is no longer

SME Lending Models 5: Distribution- Do we need a Relationship Manager?

Some crossroads our clients encounter while setting up distribution/origination models:

Do we set up a new SME vertical or leverage Branch resources? Is third party agents a good idea? To what depth in the market should we penetrate? Should we segregate the Sales and Relationship functions?

The answers lie hidden deep within the organisation’s current state and long-term view. Below are some of the basic considerations while building a SME distribution model

SME Lending Models 2:
Financial Analysis is not Credit Risk Assessment

Financial analysis is the most exciting part for many bankers. Evaluation of ratio trendlines, NWC availability or future cash flows is logical & fun way to credit decisioning. Possibly the next best thing to being an oracle! Who can counter argue when nos. show the future? But….

SME Lending Models 3:
Is Technology the panacea?

Technology has benefits. It can improve TAT, data access, accountability, reduce operational risk & build competitive advantage. Full workflow digitisation suite- Tabs +CRM+LOS+CBS integration+ LMS+DMS, seems impressive. “Let’s get it automated”