Essays on rational absurdity of banking
How lenders assess borrowers, deal with uncertainty, and make credit decisions under imperfect information.
In Banking, there are no barriers to imitation. Any lender—Bank, NBFC, or Fintech—can easily build a Loan product suite simply by following the leader. This quick-fix works until the inevitable product and portfolio challenges arise. However, for long-term sustainability, you need to innovate, differentiate, and pioneer new approaches while managing risk well. First Principles Thinking is exactly what works here
By aligning Online Dispute Resolution processes with the principles outlined by the RBI, Banks and financial institutions can navigate disputes efficiently, reduce recovery time, and bolster customer trust.
As BNPL business grows, it is also facing some challenges. It is important for players to make it as frictionless and wedded to the customer’s journey and the emerging digital ecosystem
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 explains