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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Crypto Revolution: Transforming India’s Financing Landscape for SMEs and Startups
2 minutesDespite India ranking third globally in unicorn valuations, the startup ecosystem faces challenges in securing sufficient funding for growth. Traditional avenues often fall short, necessitating…
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Bankers, Startups and the problem with Profit
4 minutesBy definition startup is a disruptor. Unless the startup idea is demonstrated to be scalable, there is no fun and sustenance. So, while banks look…
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Super-Apps and Fintech
3 minutesFor an App to be a Super App, one needs a sizable community of users who frequently visit and use the app. This can then…
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Reinventing BNPL
4 minutesAs BNPL business grows, it is also facing some challenges. It is important for players to make it as frictionless and wedded to the customer’s…
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Banks & FinTechs: Switching the default experience
4 minutesMoving from competition to collaboration; we are now living in a world, where the Banks-FinTech relationship is not only surviving, but also thriving
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.