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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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…
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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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