Category: Banking Stategy
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 [...]
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 [...]
If BNPL (Buy Now Pay Later), then why not PNBL?
We have seen phenomenal growth in the BNPL (Buy Now Pay Later) segment in recent past, why not also have PNBL – Pay Now Buy Later. Kartik Swaminathan [...]
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 [...]
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 [...]
Loan Agreements: A contract between unequals!
Bank Loan agreement had been written ages ago. There are innumerable archaic clauses that may be unjustifiably invoked, without assigning any reasons [...]
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 [...]
Digital Customer Engagement– Trends & Practices in Banks
Digital or remote Customer Engagement is the way forward. To remain step ahead, banks need to have a better view of digital customer experience and un [...]
Without Regulatory blessings, Q4-2021 to be litmus test for Banks
As we enter the climax, two questions arise – Would there be large scale Covid provision write backs? and, What would happen to asset growth of banks [...]
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 [...]