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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Musings of a Banker on Macro Economic variables and few other things
12 minutesHow macroeconomic variables — GDP, inflation, interest rates, policy actions — actually affect banking and lending decisions in India. A practitioner’s perspective, not a textbook…
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India’s Digital Personal Data Protection Rules: Game-Changer or Growth Killer for FinTech?
7 minutesDigital Personal Data Protection (DPDP) Rules 2025 can be a double-edged sword for FinTechs in India. Global experience with GDPR’s in Europe showed us the…
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Why MSME Bank is a Bad Idea: Better Banking over More Banks
6 minutesThe idea to establish an MSME-focused bank in India seeks to address the long-standing credit gap faced by nano, micro, small, and medium enterprises. While…
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Payments in Quantum world
3 minutesGlobal payment systems rely on encryption powered by mathematical formulas that classical computers cannot solve, keeping stored and transmitted data secure. But the rise of…
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