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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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…
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How are ‘Global Systemically Important Banks’ (G-SIB) monitored under BASEL
4 minutesFailure of a Systemically Important Bank amplifies the impact on world economy for two reasons. Firstly, banking services in many countries rely heavily on these…
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Credit Evaluation: How much information is Enough?
4 minutesHow much information is enough for credit evaluation? For a streamlined process a delicate balance needs to be maintained between timeliness and need for facts.…
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Helicopter Money as a Monetary Policy tool : Benefit and Risks
4 minutesHelicopter Money is a monetary policy concept proposed by economist Milton Freidman to overcome the liquidity and rate transmission challenges. However like everything else in…
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Retail Banking: The DIRECT model for Sales Excellence
3 minutesWith short sales cycles, low product differentiation and high competition it is critical that the Retail Banking teams follow a well thought out plan to…
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.