Author: FrankBanker Research

Research, reference, and insights by FrankBanker analysts.
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    India’s DPI Stack: A Banker’s Guide

    FrankBanker Research

    India’s DPI story is often told through scale. This guide looks at it through structure. It maps the digital rails, protocols, access layers, and public data systems that increasingly shape lending, onboarding, verification, payments, and underwriting in India. From Aadhaar, UPI, DigiLocker, and Account Aggregator to OCEN, ONDC, ULI, and the expanding universe of public data APIs, the guide explains what each layer does, where it fits, and where the gaps still remain.

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    Basel Norms: A Banker’s Guide

    FrankBanker Research

    Basel norms are more than a capital adequacy exercise. They define how banks measure risk, what counts as capital, how much liquidity they must hold, and how regulators can impose additional requirements beyond the published minimums. This guide covers the full framework — Basel I through III, the three pillars, India’s specific calibration, and the gaps that Basel III still does not resolve.

  • RBI Monetary Policy Instruments: A Banker’s Guide

    FrankBanker Research

    The RBI’s monetary policy toolkit is wider than most practitioners realise. The repo rate gets the headlines, but the real work happens across the LAF corridor, the SDF floor, the CRR and SLR requirements, and the structural tools like OMO and forex swaps. This guide maps all of them. Starting from RBI definitions to what each instrument actually does.