Musings of a Banker on Macro Economic variables and few other things
This guide provides important perspectives on various macroeconomic variables like GDP, Inflation, Taxation. It provides a framework to help evaluate the importance and impact of policy actions in an economy. The focus is not on definitions but on inferences a banker should draw.
India’s Digital Personal Data Protection Rules: Game-Changer or Growth Killer for FinTech?
Digital Personal Data Protection (DPDP) Rules 2025 can be a double-edged sword for FinTechs in India. Global experience with GDPR’s in Europe showed us the high costs and steep learning curve of compliance but also proved that businesses emerge stronger when they adapt proactively. For Indian FinTechs, DPDP rules offer opportunities to enhance trust and global competitiveness. But the time to act is now!
Why MSME Bank is a Bad Idea: Better Banking over More Banks
The idea to establish an MSME-focused bank in India seeks to address the long-standing credit gap faced by nano, micro, small, and medium enterprises. While the idea has merit, it also presents significant challenges, including operational complexities and potential overlaps. Piyush Singh explains why a dedicated MSME bank is not the right path
Future of Banking in Metaverse: Challenges and Possibilities
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
Deep-Tier SCF is Magical, But Here’s Why It Doesn’t Work
Deep-tier Supply Chain Finance (DTSCF) is often sighted as a magic spell that could transform the funding landscape for SMEs. While the concept has caught attention, scaling DTSCF is proving to be difficult. As you scratch the surface, several challenges become evident
Credit Risk Blindspots: Hidden Biases in Lending
Bias is an inherent human tendency, and recognising and minimising it requires deliberate effort. No matter how advanced the financial models or how experienced the analysts, Credit Risk decisions are inevitably influenced by personal experiences and context. The challenge lies in identifying when this reliance on past-experience crosses the line into bias.
SME Lending Channel Strategy: Key Success Factors
Lenders—Banks, NBFCs, or FinTechs—face the classic ‘Knapsack Problem’ while trying to create an optimal SME lending distribution structure. Each channel mix—branches, digital, phygital, own, agents, co-lending—brings its own costs and benefits, with varying considerations of scale, risk appetite, resources, and practicality specific to each lender. These essential considerations can help bring clarity to your distribution strategy.
Hyper-Personalisation in Banking: The Paradox of Customisation
Hyper-personalisation promises to revolutionize banking by creating a “Segment of One” experience, but the path is riddled with complexities. Challenges of execution and technological demands can turn this potential goldmine into a costly misstep. What does it take for banks to truly harness this power?
The Digital Trap: What Deflates a Bank’s Push for Digital Change?
Banks are diving headfirst into the digital age, eager to revolutionize their operations with cutting-edge technology. But beneath the sleek, modern facade lies a hidden “digital trap”—a complex web of outdated systems, spiraling costs, and endless customizations. This article uncovers the unseen challenges that deflate a bank’s push for digital change.
India’s FinTech Lending Revolution: A 2023 Review and What Lies Ahead in 2024
In summary, 2023 was a transformative year for India’s FinTech lending sector, marked by regulatory shifts, technological advancements, and a significant increase in digital lending. Looking ahead, 2024 promises further growth and innovation, though not without its set of challenges