Banks Should Measure Reuse, Not Just ROI
Banks have spent the past several years proving that artificial intelligence can create value. Fraud models reduce losses, contact-center copilots improve productivity, AI-assisted underwriting accelerates decisions, and relationship intelligence helps bankers identify opportunities earlier. Most of these initiatives are evaluated in a familiar way: What problem does the technology solve, what does it cost, and […]
The Missing Ingredient in Agentic AI: Predictive Intelligence
Every technology wave has a defining misconception. During the rise of robotic process automation, many believed that automating workflows would transform business performance. It certainly improved efficiency, but it rarely improved decision quality. Organizations became faster at executing the same decisions they had always made. Today, a similar assumption is emerging around agentic AI. Across […]
Every AI Operating System for Banking Needs a Governed Intelligence Layer
In my previous article, I argued that the next competitive advantage in banking will not come from artificial intelligence alone. It will come from an institution’s ability to transform raw data into trusted, reusable intelligence. Data records what happened. Intelligence explains what it means. That distinction is becoming increasingly important. Over the past few months, […]
The Rise of the Intelligence Layer
The banking industry has spent the better part of two decades investing in data. Institutions modernized core systems, built data warehouses and lakes, implemented analytics platforms, and developed increasingly sophisticated reporting capabilities. More recently, many have accelerated cloud migrations and data modernization initiatives in preparation for the next wave of innovation: artificial intelligence. Those investments […]
Credit Card Collections in India: Why Revolving Balance Models Need Different AI
Card NPAs Jumped 28% in a Year, Concentrated Almost Entirely in the Segment Instalment Models Handle Worst TL;DR India’s credit card NPA numbers moved sharply in a short window: a 28.42% year-on-year jump to Rs 6,742 crore by December 2024. The aggregate NPA ratio still looks manageable at roughly 2.3% of total receivables, but that […]
RBI NPA Provisioning Norms 2025: How Changes Affect Middle and Upper Layer NBFC Collections Priority
Two Accounts at the Same DPD Stage Can Have Very Different Provisioning Consequences. Most Collections Models Only See DPD. TL;DR Two accounts, both 95 days past due, can represent very different provisioning consequences depending on the borrower’s total exposure across facilities and the layer classification the lending NBFC falls under. A collections model that only […]
RBI Draft Uniform Recovery Norms 2026: What the Biggest Regulatory Change Since 2008 Means for Collections
Every Bank and NBFC Is About to Operate Under the Same Recovery Conduct Standard for the First Time TL;DR Most regulatory circulars tighten an existing rule. This one does something rarer: it puts every bank, NBFC, and other regulated entity onto the same recovery conduct standard for the first time, rather than each operating under […]
NACH Mandate Failure Patterns: What Lenders Must Do When Auto-Debit Recovery Fails
A NACH Failure Isn’t a Payments Glitch. It’s a Collections Trigger Most Workflows Miss. TL;DR Every NBFC processing loans through NACH or ECS mandates has a queue of failed auto-debits sitting somewhere in the operational pipeline, usually being retried on a schedule with no real differentiation between a borrower whose payment failed once because of […]
Build vs Buy vs Partner: 2026 Decision Framework for AI Collections at Indian Banks
Every Vendor Deck Leads With Cost and Speed. The Question That Actually Matters Is Who Answers to RBI When the Model Fails. TL;DR Every vendor pitch for AI collections leads with the same two numbers: how much faster it is than building in-house, and how much cheaper it is over three years. Those numbers matter, […]
Personal Loan Collections in India: AI Behavioural Signals for Unsecured Recovery
Unsecured Delinquency Is Rising Even as the Overall Loan Book Looks Healthier Than Ever TL;DR The aggregate Indian banking system NPA story is a genuinely positive one right now, system-wide gross NPAs sit at multi-decade lows. But that headline masks a specific, well-documented divergence: unsecured personal loans are moving in the opposite direction, with delinquencies […]
