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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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.…
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.