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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Lending for Financial Inclusion- Gold at the Bottom of the Pyramid
8 minutes“A box without hinges, key or lid, yet golden treasure inside is hid.” – JRR Tolkein Following the wrong trail The story of ‘Fortune at…
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Machine Learning and AML- Use cases for Banks
14 minutesWorld is a not flat! No matter how much the globalisation theorists may want you to believe, the world post 9/11 is no longer flat…
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How Artificial Intelligence will transform Banking
10 minutesArtificial Intelligence can simplify banking- relieve the pain of redundant forms, cumbersome documents and slow processes and even manage investment portfolios. It can help banks…
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Building a Payments Bank – Challenges and Opportunities
9 minutesThe verdict on viability of Payment Banks varies, depending on whom you speak to. While the critics would easily fault the regulatory framework, even the…
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Banks Vs Fintechs
12 minutesLack of innovation in Banking is precisely the opportunity Fintechs are encashing. They are disrupting the way things have been for decades with ideas ranging…
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.