Author: Amit Balooni
Bankers, Startups and the problem with Profit
By definition startup is a disruptor. Unless the startup idea is demonstrated to be scalable, there is no fun and sustenance. So, while banks look for [...]
7 Things I Have Learned From Startup Founders
In my day to day advisory interactions with new age businesses, including clients, acquaintances, referrals and friends, there is much I have learned. [...]
Building a Fintech? -8 Counter Questions to Avoid strategic Faux Pas
A workable Strategy for a Fintech requires a balance of creativity grounded in basics. I share a 3 line gist of some 8 long and interesting conversati [...]
My hard lessons in change-Culture eats Strategy for Breakfast
It seems obvious that any organisation will need to evolve in line with customer needs and competitive pressures. While ideas of change may be inspiri [...]
A Case for Corporate Ownership of Banks
The question of permitting Non-Financial Corporates (NFCs) into banking is well debated. While the jury is still out, the bias is clearly towards ‘NFC [...]

Banking on SPAM?
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, t [...]

Understanding Liquidity Assessment for Credit Risk – PART 2 (NWC)
Even after we have taken due care of matching correctly graded current assets to current liabilities, the business eventualities, customer behaviour a [...]
Understanding Liquidity Assessment for Credit Risk- PART 1 (Current Ratio)
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 ser [...]

Why cross-selling Third Party Products can be costly for banks!
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, Emp [...]

How WFH impacts the Risk Management culture in Banks?
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 pai [...]