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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Truth of Bank Deposits: Safe Bet, Rigged Game, or a Systemic Play?
5 minutesBank Deposits remain relatively safer option for a large section of uninformed depositors due to this regulatory safety net, however, the important question is –…
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Deep-Tier SCF is Magical, But Here’s Why It Doesn’t Work
8 minutesDeep-tier Supply Chain Finance (DTSCF) is often sighted as a magic spell that could transform the funding landscape for SMEs. While the concept has caught…
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Credit Risk Blindspots: Hidden Biases in Lending
9 minutesBias is an inherent human tendency, and recognising and minimising it requires deliberate effort. No matter how advanced the financial models or how experienced the…
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SME Lending Channel Strategy: Key Success Factors
7 minutesLenders—Banks, NBFCs, or FinTechs—face the classic ‘Knapsack Problem’ while trying to create an optimal SME lending distribution structure. Each channel mix—branches, digital, phygital, own, agents,…
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Designing Loan Products: A ‘First Principles Thinking’ Blueprint
9 minutesIn Banking, there are no barriers to imitation. Any lender-Bank, NBFC, or Fintech, can easily build a Loan product suite simply by following the leader.…
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