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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The Pandemic – Supply Chain disruptions and lessons for SCF practitioners
8 minutesPandemic has disrupted the Supply Chains. This brings both challenges and opportunities for industry as well as Supply Chain Finance practitioners including Fintechs. However, its…
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RBI Guidelines on Regulation of Payment Aggregators and Payment Gateways
2 minutesWith the Indian online payments market anticipated to reach $1 trillion by 2023 ,it is no surprise that the RBI has opted to act and…
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Financialization of Housing in India – Boon or Bane?
6 minutesIndia faces a peculiar situation where homes lie vacant and held as a form of speculation whilst housing is not available to the needy. Financialisation…
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A Case for Corporate Ownership of Banks
11 minutesThe question of permitting Non-Financial Corporates (NFCs) into banking is well debated. While the jury is still out, the bias is clearly towards ‘NFC ownership…
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If BNPL (Buy Now Pay Later), then why not PNBL?
2 minutesWe have seen phenomenal growth in the BNPL (Buy Now Pay Later) segment in recent past, why not also have PNBL – Pay Now Buy…
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.