Featured Essay
-
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
-
Hyper-Personalisation in Banking: The Paradox of Customisation
8 minutesHyper-personalisation promises to revolutionize banking by creating a “Segment of One” experience, but the path is riddled with complexities. Challenges of execution and technological demands…
-
The Digital Trap: What Deflates a Bank’s Push for Digital Change?
4 minutesBanks are diving headfirst into the digital age, eager to revolutionize their operations with cutting-edge technology. But beneath the sleek, modern facade lies a hidden…
-
Why Transformation Initiatives Fail Miserably: The Cultural Pitfalls
4 minutesIt seems obvious that any organisation will need to evolve in line with customer needs and competitive pressures. While ideas of change may be inspiring,…
-
ONDC: Potential Impact on the Digital Marketplace
3 minutesOpen Network for Digital Commerce (ONDC) is a new initiative in India aiming to transform the digital marketplace by creating an open network for buyers…
-
Accelerating Financial Recovery: Leveraging ODR in the Banking Sector
6 minutesBy aligning Online Dispute Resolution processes with the principles outlined by the RBI, Banks and financial institutions can navigate disputes efficiently, reduce recovery time, and…
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…
Read issue 002 →Banker's Guides
In depth reference guides.
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…
Download the guide →Podcast
Details, perspectives, conversations.
The FrankBanker channel
Conversations and explainers that run longer than an essay: how the numbers were built, what the rules actually say, and where practice drifts from either.
Open the channel →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.