01Vivek Perspective is now live.Explore the complete essay library, guided reading paths and RBI references. The internal bank-report archive is opening progressively as verified documents are added.Enter the library →
Banking Risk Leadership AI
Seeing what the numbers don’t say.
Field-tested perspectives on credit, fraud, business, technology and the human decisions behind them.
The archive
Experience, made searchable.
This is not a chronological feed. It is a working library of cases, frameworks and reflections—built to help you follow an idea across years and disciplines.
Reading paths
Choose the question, not the format.
01
AI & Digital Lending
Technology examined through accountability, explainability and lived banking experience.
↗02Credit & Underwriting
Judgment-led underwriting, appraisal practice and questions worth asking.
↗03Fraud, Ethics & Governance
Patterns that reveal more than the paperwork—and the controls that should respond.
↗04Leadership & Reflection
Lessons from people, institutions, ordinary moments and the choices they illuminate.
↗05Tractor & Rural Finance
Where field realities, borrower intent and the economics of an asset meet.
↗From the library
Essays worth returning to.
AI & Digital Lending
AI in Indian Banking: Hype, Reality and the Maturity Gap
A colleague asked whether AI adoption in banks really has depth. I paused to examine the public evidence. A colleague who had been reading my recent blogs on AI in lending called me with a simple question: “Is there really so much depth in AI adoption within banks, or are we overstating it?” It w…
AI & Digital Lending
From Paperless Lending to Intelligent Lending
Early Warning Signals in lending must move beyond periodic reports and static triggers. Episode 4 of From Paperless Lending to Intelligent Lending explains how AI can help banks and NBFCs shift from EWS reports to early warning sensing by connecting conduct, cash-flow, business, governance and po…
AI & Digital Lending
From Paperless Lending to Intelligent Lending
AI in lending should not digitise waste faster. Episode 3 of From Paperless Lending to Intelligent Lending uses the Johari Window to explain how banks and NBFCs can move from data abundance to judgement clarity. It explores signal platforms, the blind zone of unused analytics, the 40% signal wast…
AI & Digital Lending
From Paperless Lending to Intelligent Lending
The AI Lending Flywheel explains how financial institutions can move from isolated AI pilots to intelligent credit flow. Built around six stages — capture, understand, flag, decide, engage and learn — the model shows how AI can improve the quality, timing and context of credit judgement without r…
AI & Digital Lending
From Paperless Lending to Intelligent Lending
Paperless lending is only the first stage of transformation. The real opportunity lies in removing hidden waste in lending — waiting, rework, repeated checks, late exception discovery, dashboard noise and underused human judgement. This article uses a Lean lens to explain how AI can help move fin…
Fraud, Ethics & Governance
The Late Claim Trap: When Property Security Meets an Unanswered Title Challenge
A banker’s reflection on Central Bank of India v. Prabha Jain, 2025 INSC 95, where the Supreme Court held that a third-party challenge to sale deed and mortgage validity may still proceed before a civil court despite SARFAESI action. The case highlights the late claim trap, title litigation risk,…