We have seen phenomenal growth in the BNPL (Buy Now Pay Later) segment in recent past, why not also have PNBL – Pay Now Buy Later. Kartik Swaminathan [...]
The evolution of Fintech has happened because of various developments in technology, ecosystem and regulations . But this is not without pitfalls and challenges. There is, therefore, a need to put all [...]
In a recent survey we found 86% of participants reported Banks and FIs to be the biggest spammers. With costs of communication coming close to zero, there is little disincentive for the ‘harasser’ to s [...]
Even after we have taken due care of matching correctly graded current assets to current liabilities, the business eventualities, customer behaviour and business exigencies may still bring new challeng [...]
Liquidity assessment using Current Ratio is a powerful tool and a staple for credit risk analysts . But it has its limitations. In this three part series, Amit Balooni shares his perspectives and how t [...]
The rationale for cross sell focus in banks is not difficult to understand. It creates win-win for all stake holders- Banks get additional income, Employees get brownie points, better appraisals and Cu [...]
While there are no set parameters on how many credit covenants should be there in a Sanction Letter, one has to keep in mind that ratios tend be inter-linked. One does not become a better banker by sti [...]
Bank Loan agreement had been written ages ago. There are innumerable archaic clauses that may be unjustifiably invoked, without assigning any reasons under the guise of ‘early warning signals’. This cr [...]
Many in the banking industry have talked about the amazing cost savings that WFH brings. But beyond some savings, there are many costs we may have paid too. Amit Balooni evaluates the impact this may h [...]
Digital or remote Customer Engagement is the way forward. To remain step ahead, banks need to have a better view of digital customer experience and understand how it will evolve in the future. Chirag S [...]
In 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 of NBFCs. Importantly, CRO office cannot be subordinated to any other dep [...]