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…
More Essays
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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…
Banker's Brief
Weekly explainer of things that matter.
RBI Raised $100 Billion in Eleven Weeks. What Is It Preparing For?
In June the RBI opened a subsidised swap window for FCNR(B) deposits, projected $80 billion, raised more than $100 billion, and shut the window a month early.
Read issue 001 →Banker's Guides
In depth reference guides.
India’s DPI Stack: A Banker’s Guide
India’s DPI story is often told through scale. This guide looks at it through structure. It maps the digital rails, protocols, access layers, and public data systems…
Download the guide →Podcast
Details, perspectives, conversations.
The FrankBanker channel
Conversations and explainers that run longer than an essay: how the numbers were built, what the rules actually say, and where practice drifts from either.
Open the channel →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. In these pages we explore how they land up there. We are practitioners who have spent decades as bankers, advisors and builders, learning our lessons on what goes wrong, the hard way. These pages aim to help evaluate the why, why not, and occasionally, how of banking and related technology. Our research team builds practical, information-rich Banker’s Guides worth keeping.