RBI accepts key recommendations of IWG
RBI has accepted 21 key recommendations given by Internal Working Group (IWG) in November 2020. This is a quick summary of most significant points [...]
A Case for Corporate Ownership of Banks
The question of permitting Non-Financial Corporates (NFCs) into banking is well debated. While the jury is still out, the bias is clearly towards ‘NFC [...]
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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 [...]
3F: Future Fintech Framework (Book overview)
The evolution of Fintech has happened because of various developments in technology, ecosystem and regulations . But this is not without pitfalls and [...]
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 [...]
Understanding Liquidity Assessment for Credit Risk – PART 2 (NWC)
Even after we have taken due care of matching correctly graded current assets to current liabilities, the business eventualities, customer behaviour a [...]
Understanding Liquidity Assessment for Credit Risk- PART 1 (Current Ratio)
Liquidity assessment using Current Ratio is a powerful tool and a staple for credit risk analysts . But it has its limitations. In this three part ser [...]