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.…
Banker's Brief
Weekly explainer of things that matter.
End of Free UPI. What Will It Change?
On 14 September, the Finance Ministry notified a framework allowing charges on UPI merchant payments. From 15 October, eligible person-to-merchant (P2M) payments above…
Read issue 002 →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
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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.