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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Way Forward for Banks: Conservatism, Capital and Risk taking
3 minutesFrom knee jerk reactions to nudge of regulators through MSME guarantee scheme to TLTRO to capital raise, Banks have gone through the COVID learning curve.…
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How measuring the ‘Pivot Factor’ can fill Credit Risk assessment gap post COVID
3 minutesThese are unprecedented times for lenders. Customer cashflows are depleted, loan track can’t be ascertained due to moratorium, making it increasingly difficult to decipher customer’s…
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Deciphering the Bank ROA enigma
3 minutesROA, PCR and NIM are first point of call for the investors to assess the profitability, efficiency and premium on Bank valuations. But there is…
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Digital Lending: The missing piece of puzzle
3 minutesThe recent RBI notification, seems to be nudging Digital Lenders to be more transparent. But a pertinent question to ask may be ‘Who are these…
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