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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Payday Loans – Boon or Bane?
3 minutesPayday Loans is still a nascent category in India. But digital Lenders are finding their feet and formalising the segment. Mrityunjay Shahi explains Payday lending…
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SME Financing – Opportunity for Alternate Channels
3 minutesMSMEs seem to be showing the expected resilience and regaining market’s interest. Sumit Kakkar explains some of the constraints faced by MSMEs and how resolving…
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Critical Thinking in Credit Risk: Avoid these Fallacies
3 minutesCritical Thinking concepts can help build a robust credit risk culture that relies on logic and objectivity and minimises biases. Amit Balooni shares his perspective…
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RBI IWG Report: Assumptions As Tenuous As Recommendations?
5 minutesThe recent report by Internal Working Group (IWG) of RBI has made recommendations that run contrary to the practice followed in internationally, especially the recommendation…
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Credit Sense – Approach and Perspectives
4 minutesRisk officers and Relationship managers are always at each other’s throats owning to difference in their perspective, often missing out what lies beyond the optics.…
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