Banking Technology

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

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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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    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.

  • Future of Banking in Metaverse: Challenges and Possibilities

    Amit Balooni

    Metaverse offers the potential to revolutionise banking by creating full-service virtual branches, transforming customer service, engagement, and transactions. However, for this to become mainstream, significant technical, regulatory, and economic challenges must be overcome to ensure secure and scalable banking in the virtual world. Amit Balooni explains