There is a good case for Central Bank Digital Currency (CBDC) in today’s world, but at the same time we cannot brush aside concerns on architecture, i [...]
As we enter the climax, two questions arise – Would there be large scale Covid provision write backs? and, What would happen to asset growth of banks in the absence of ECLGS loans? Sumit Kakkar looks a [...]
There is no doubt that this is an expansionary budget, cheered by the markets and the industry. However, the onus is squarely on the execution of projects, both in healthcare and infrastructure sectors [...]
‘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 two important factors that can be guiding [...]
When it comes to success in Being Digital, the difference is in the approach a Bank takes. Simply converting a paper to online form wont do. We differentiate the tactical and limited 'Digitise' mindset [...]
Failure of a Systemically Important Bank amplifies the impact on world economy for two reasons. Firstly, banking services in many countries rely heavily on these banks. Secondly, it shakes customer con [...]
How much information is enough for credit evaluation? For a streamlined process a delicate balance needs to be maintained between timeliness and need for facts. Sumit Kakkar shares his perspectives [...]
Helicopter Money is a monetary policy concept proposed by economist Milton Freidman to overcome the liquidity and rate transmission challenges. However like everything else in policy making, there are [...]
With short sales cycles, low product differentiation and high competition it is critical that the Retail Banking teams follow a well thought out plan to bring method to madness. Pritha Dubey shares the [...]
Payday Loans is still a nascent category in India. But digital Lenders are finding their feet and formalising the segment. Mrityunjay Shahi explains Payday lending fundamentals and its pros and cons. [...]
MSMEs seem to be showing the expected resilience and regaining market's interest. Sumit Kakkar explains some of the constraints faced by MSMEs and how resolving these presents a big opportunity for Alt [...]