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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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
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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…
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
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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.
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How policy priorities, regulatory choices, and institutional trade-offs shape banking outcomes.
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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.