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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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…
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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…
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
Details, perspectives, conversations.
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.
Open the channel →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.