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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Why cross-selling Third Party Products can be costly for banks!
4 minutesCross-selling is a well-accepted strategy across industries and a key strategic tool for diversification. But adopting this in Banks is a little tricky.
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How many Credit Covenants are necessary in a Sanction Letter?
3 minutesWhile there are no set parameters on how many credit covenants should be there in a Sanction Letter, one has to keep in mind that…
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Loan Agreements: A contract between unequals!
3 minutesBank Loan agreement had been written ages ago. There are innumerable archaic clauses that may be unjustifiably invoked, without assigning any reasons under the guise…
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How WFH impacts the Risk Management culture in Banks?
5 minutesMany in the banking industry have talked about the amazing cost savings that WFH brings. But beyond some savings, there are many costs we may…
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Digital Customer Engagement– Trends & Practices in Banks
5 minutesDigital or remote Customer Engagement is the way forward. To remain step ahead, banks need to have a better view of digital customer experience and…
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.