How WFH impacts the Risk Management culture in Banks?
Many in the banking industry have talked about the amazing cost savings that WFH brings. But beyond some savings, there are many costs we may have paid too. Amit Balooni evaluates the impact this may have on the risk management culture in banks
Payments Transformation in India : The Last Decade
From the snail days of Outstation, Local and high-value cheque clearing, Payment systems in India have under gone a metamorphosis. We now have world’s best multi-tiered system with 24 x 7, anywhere access. We look at some of the numbers in the decade gone by (2010-2020)
Navigating SME Lending Strategy: Two key pointers
‘What is an SME?’ has no all-encompassing answer. Any standardised approach to building SME Lending strategy is therefore fraught with risks. We deep dive into two important factors that can be guiding lights- variance in SME definitions and the role legal ecosystem plays. Amit Balooni shares the pointers
Can Credit Scoring replace Judgemental Lending?
With all the excitement in the last decade about data and credit scoring, there are some areas that may still need the human skill tom judge credit risk. Amit Balooni explains the criteria for retaining judgement in lending.