Essays on rational absurdity of banking
Banks do not suffer because lending is fragmented. They suffer because the technology supporting lending evolved in fragments. CRM, LOS, LMS, scoring, analytics, and integrations were built as separate domains for what is actually one continuous loan journey. The result is duplicated data, higher operating cost, slower decisions, and hidden architectural risk across the lending stack. Is there an alternative?
Supply chain finance explained for Indian lenders — what SCF actually delivers
for NBFCs and banks, where its credit logic holds, and where its limits lie.
An honest assessment beyond the hype.
Why Indian bankers rely on the current ratio for borrower liquidity assessment
— and why it consistently misleads. A practical guide to reading liquidity
quality in SME and MSME lending.
How macroeconomic variables — GDP, inflation, interest rates, policy actions —
actually affect banking and lending decisions in India. A practitioner’s
perspective, not a textbook definition.