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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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…
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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…
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…
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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…
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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.