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…
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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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.
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How policy priorities, regulatory choices, and institutional trade-offs shape banking outcomes.
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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.