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Vivek Perspective · Daily Edition

Three words.
Three developments.
One perspective.

Every morning at 5:30 AM ISTCredit · Fraud · Legal
ClarityConnectionContext

Clarity helps us separate a signal from its meaning. Connection reveals the pattern formed by scattered signals. Context tells us how that pattern should be interpreted. Today’s credit, fraud and legal developments each demonstrate one part of that progression.

Credit desk
Today’s word · 01Clarity

Separate available liquidity from a sound lending opportunity.

Nearly $10 billion has entered through the NRI deposit window. Clarity begins with asking what that liquidity should fund.

The special deposit initiative is attracting foreign-currency inflows after leveraged lending against the deposits was permitted. The inflow is visible; the quality of its eventual deployment still needs to be made clear.

Contextually connected reading

The connected essay examines the same clarity question: how funding cost, surplus liquidity and deployment pressure influence lending choices.

Fraud desk
Today’s word · 02Connection

Join isolated account movements into one behavioural pattern.

A ₹14.68 crore mule-account network shows why fraud becomes visible through connection.

Police in Barabanki reported dismantling a multi-state network that used bank accounts to route stolen funds. No single transaction explains the system; the pattern emerges by connecting recruitment, account behaviour, velocity and counterparties.

Contextually connected reading

The connected essay makes this precise: warnings are often present but scattered, and become useful only when the institution connects them into one risk narrative.

Legal desk
Today’s word · 03Context

Read legal succession alongside the rights attached to the asset.

A bank merger may transfer the institution—but context decides whether tenancy rights travel with it.

The Supreme Court held that a tenancy transferred through a statutory bank amalgamation can still attract eviction under the Delhi Rent Control Act when the landlord’s written consent is absent.

Contextually connected reading

The connected essay applies the same contextual discipline by examining documents together with actual occupation, enforceability and the rights surrounding possession.

Daily alignment rule: Each selected word must describe the mechanism in its news development, shape the interpretation, and lead naturally to the linked archive article. If that chain cannot be established, the word or the article must be changed before publication.

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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.

Explore the latest seriesRead the newest episode
Latest series · Episode 4From Paperless Lending to Intelligent LendingEarly-warning sensing 5 min read

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A simple way to traverse: read an idea → open its references → compare it in the Lab → ask the Guide for the next relevant reading.

Latest series · Four episodes

From Paperless Lending
to Intelligent Lending.

A practical progression from digitising processes to building an explainable, sensing and continuously learning credit system. Begin at Episode 1 or enter through the question most relevant to you.

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.

118restored essays
5core themes
2017–2026years of writing
A–Zexplore by keyword →

Reading paths

Choose the question, not the format.

Explore all topics
01

AI & Digital Lending

Technology examined through accountability, explainability and lived banking experience.

02

Credit & Underwriting

Judgment-led underwriting, appraisal practice and questions worth asking.

03

Fraud, Ethics & Governance

Patterns that reveal more than the paperwork—and the controls that should respond.

04

Leadership & Reflection

Lessons from people, institutions, ordinary moments and the choices they illuminate.

05

Tractor & Rural Finance

Where field realities, borrower intent and the economics of an asset meet.

From the library

Essays worth returning to.

View the complete library

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…

3 min read

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…

5 min read

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…

14 min read

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…

9 min read

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…

6 min read

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,…

7 min read

About the author

Three decades inside the decisions.

Vivek Krishnan is a banking, governance and transformation leader. His writing connects field observation with credit judgment, institutional design and the human behaviour behind risk.

Meet Vivek