Banking Technology

How technology, data, and digital infrastructure are reshaping banking, from internal systems to ecosystem-wide rails.

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    Cooperative Banks: A Sector Waiting for Its Technology Moment

    Amit Balooni

    Cooperative banks sit at a strange crossroads: deeply trusted by the communities they serve, yet held back by technology stacks never really designed for them. CBS may have brought basic digitisation, but lending workflows, member intelligence, risk monitoring and compliance still run on improvisation, Excel sheets and vendor workarounds. As RBI raises the bar on governance and supervision, the sector needs more than another software patch. It needs a technology architecture built around cooperative realities: configurable, modular, affordable and capable of turning grassroots trust into modern banking capability.

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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.

  • The Strange Logic of the Lending Stack

    Amit Balooni

    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?

  • Payments in Quantum world

    Sunil Rajaram Landge

    Global payment systems rely on encryption powered by mathematical formulas that classical computers cannot solve, keeping stored and transmitted data secure. But the rise of quantum computing threatens to unravel this security, with the potential to compromise payment systems entirely. Sunil Landge delves into the looming quantum challenge and how financial institutions can safeguard themselves for a secure future.