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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“Emergency Credit Guarantee” for MSME – Decoding the fine print
3 minutesEmergency Credit Guarantee for MSME has been unveiled. GOI seems to have pleasantly surprised the banks. There are minimal ambiguities in the eligibility, end use,…
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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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