Author: Amit Balooni

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Building a Fintech? -8 Counter Questions to Avoid strategic Faux Pas

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

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

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?

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)

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)

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!

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?

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 [...]
Lessons from Greensill’s insolvency: Nothing to do with Supply Chain Finance

Lessons from Greensill’s insolvency: Nothing to do with Supply Chain Finance

Greensill Capital, a UK based SCF company, filed for insolvency early this month. The company’s SCF business was ostensibly built on ‘Reverse Factorin [...]
Navigating SME Lending Strategy: Two key pointers

Navigating SME Lending Strategy: Two key pointers

‘What is an SME?’ has no all-encompassing answer. Any standardised approach to building SME Lending strategy is therefore fraught with risks. We deep [...]
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