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…
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…
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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.