The Complete Guide to RBI’s Monetary Policy Instruments
Reserve Bank of India (RBI) and other central banks employ a range of monetary policy instruments to manage liquidity, control inflation, and promote [...]
Truth of Bank Deposits: Safe Bet, Rigged Game, or a Systemic Play?
Bank Deposits remain relatively safer option for a large section of uninformed depositors due to this regulatory safety net, however, the important qu [...]
Deep-Tier SCF is Magical, But Here’s Why It Doesn’t Work
Deep-tier Supply Chain Finance (DTSCF) is often sighted as a magic spell that could transform the funding landscape for SMEs. While the concept has ca [...]
Credit Risk Blindspots: Hidden Biases in Lending
Bias is an inherent human tendency, and recognising and minimising it requires deliberate effort. No matter how advanced the financial models or how e [...]
Unlocking India’s Credit Potential: A Comparative Look at OCEN and ULI
Open Credit Enablement Network (OCEN) and the Unified Lending Interface (ULI) are designed to transform the lending landscape by making credit more ac [...]
SME Lending Channel Strategy: Key Success Factors
Lenders—Banks, NBFCs, or FinTechs—face the classic ‘Knapsack Problem’ while trying to create an optimal SME lending distribution structure. Each chann [...]
Assessing Borrower Liquidity: The Monsters Hide in the Details
For lenders, the Current Ratio is the staple measure of a borrower’s liquidity position. A good ratio shows that the inflows in the short term will ea [...]
Designing Loan Products: A ‘First Principles Thinking’ Blueprint
In Banking, there are no barriers to imitation. Any lender—Bank, NBFC, or Fintech—can easily build a Loan product suite simply by following the leader [...]
Hyper-Personalisation in Banking: The Paradox of Customisation
Hyper-personalisation promises to revolutionize banking by creating a "Segment of One" experience, but the path is riddled with complexities. Challeng [...]
The Digital Trap: What Deflates a Bank’s Push for Digital Change?
Banks are diving headfirst into the digital age, eager to revolutionize their operations with cutting-edge technology. But beneath the sleek, modern f [...]