Featured Essay
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The Strange Logic of the Lending Stack
8 minutes& Ravi kiran gorthy
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…
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Supply Chain Finance: What It Does and Does Not
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Musings of a Banker on Macro Economic variables and few other things
12 minutesHow macroeconomic variables — GDP, inflation, interest rates, policy actions — actually affect banking and lending decisions in India. A practitioner’s perspective, not a textbook…
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Truth of Bank Deposits: Safe Bet, Rigged Game, or a Systemic Play?
5 minutesBank Deposits remain relatively safer option for a large section of uninformed depositors due to this regulatory safety net, however, the important question is –…
Topics
Lending Logic
How lenders assess borrowers, deal with uncertainty, and make credit decisions under imperfect information.
Policy Logic
How policy priorities, regulatory choices, and institutional trade-offs shape banking outcomes.
Banking Technology
How technology, data, and digital infrastructure are reshaping banking, from internal systems to ecosystem-wide rails.
About FrankBanker
Financial institutions follow perfect logic to the wrong destination. Amit Balooni has spent 25 years watching this happen — inside banks as a practitioner, outside as an advisor, and beneath the technology layer as a builder. Through FrankBanker, he writes about why, why not, and occasionally how. Sometimes, friends of FrankBanker join the debate as guest contributors. He is Founder & CEO of Hyperfin Technologies.