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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RBI empowers CRO office: Endeavour to make NBFCs bullet proof!
3 minutesIn a recent circular RBI has made a high decibel statement about the CRO’s independence and has put a lot of onus on the boards…
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Lessons from Greensill’s insolvency: Nothing to do with Supply Chain Finance
7 minutesGreensill Capital, a UK based SCF company, filed for insolvency early this month. The company’s SCF business was ostensibly built on ‘Reverse Factoring’ (RF) arrangement.…
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Will it remain a lender’s market for long!
3 minutesMarket is rejoicing that credit growth is back. But it was not the doing of the banks. Instead it seems to be lender’s market with…
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Navigating SME Lending Strategy: Two key pointers
6 minutes‘What is an SME?’ has no all-encompassing answer. Any standardised approach to building SME Lending strategy is therefore fraught with risks. We deep dive into…
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Two sides of digital transformation in Banks: ‘Digitise’ vs ‘Digitalise’:
6 minutesWhen it comes to success in Being Digital, the difference is in the approach a Bank takes. Simply converting a paper to online form wont…
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.