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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Banks being viewed as a panacea for all ills?
3 minutesWhile prompt Regulatory actions have tried to address liquidity and other issues of borrowers, there is heavy reliance on Banks to deliver. However, the borrowers…
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Opportunities presented by Debt Market Distortions
3 minutesWith entire mankind confined to their homes, what has the kept banks and debt markets ticking in April & May, 2020? In COVID Diaries chapter…
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Banks: Evolving asset strategies
3 minutesBanks need to look at ingenuous ways of growing AUMs – draw up enabling credit lines for cash flow mismatches for existing low leveraged customers.…
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Can Credit Scoring replace Judgemental Lending?
2 minutesWith all the excitement in the last decade about data and credit scoring, there are some areas that may still need the human skill tom…
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What Banking is Not: The Product Mindset
4 minutesThe ‘Product Mindset’ in Banking has created artificial limitations on customising banking services leading to loss on trust on Banks. Instead Banking requires a ‘Service…
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.