Banking Reframed

MSME financing is one of the biggest opportunities in Indian banking today. In this episode of Banking Reframed, Srikumar Nair speaks with Dr. Rajendra K. Sinha, former senior State Bank executive, MSME expert, author for IIBF and Professor Emeritus at Jagdish Sheth School of Management, to explain MSME lending in India in simple and practical terms. This conversation covers why MSMEs matter so mu...

Can a bank acquire a customer at the age of 23 and keep that relationship alive till the customer is 70? In theory, yes. But in reality, many banks lose the customer’s wallet, attention and trust much earlier — even while the account remains open. In this episode of Banking Insights, Srikumar Nair explains Customer Lifetime Value, or CLV, as a practical banking idea — not as a mathematical formula...

✅How do women who have worked in banking look at banking as a career? ✅What self-limiting beliefs hold many young women back — and why do role models matter? ✅What myths do managers and institutions carry about women in banking roles? ✅Does the proportion of women employees in banks impact business performance? ✅What should banks, colleges, families and women themselves do differently? ✅Are...

☑️What happens when banking becomes more digital, but customers still need a human relationship? ☑️Are sales drives and scripted conversations damaging customer trust? ☑️Do PSU banks still have lessons for private sector banks in customer service? In the final part of our 4-part conversation on customer service in Indian banks, veteran banker Madhusudan Hegde discusses why the human touch still ma...

What happens when customer service in banks is not just about courtesy, greetings or branch ambience — but about a customer’s actual money? What happens when families struggle to claim the money of a deceased customer? And when a senior citizen loses money in a digital fraud, should the bank simply say “customer is wrong” — or should banks take more responsibility? In Part 3 of our 4-part special...

• What can banks learn from an online shoe retailer about training new employees? • What can Ritz-Carlton and Amazon teach banks about frontline empowerment? • What should senior bank leaders remember when they visit branches and interact with junior employees? • Can aggressive sales targets damage customer relationships?   In Part 2 of our 4-part conversation on customer service in Indian banks,...

✅What do customers really feel when they walk into bank branches today? ✅Have banks made banking more convenient through technology, but lost some of the human touch along the way? ✅Have you ever felt that when a customer raises a problem, the starting assumption is almost that “the customer is wrong”? In Part 1 of this 4-part special series of Banking Reframed, I speak with Mr. Madhusudan Hegd...

Where do banks deploy funds apart from loans? Why do banks rely on funding sources other than deposits? Does money moving into mutual funds actually reduce bank deposits in the way many assume? How does loan growth also help create deposits in the banking system? What do episodes like Silicon Valley Bank teach us about liquidity and ALM risk? In this episode of Banking Reframed podcast, eminent ba...

Want to hear stories from the evolution of banking in India? • How customers once worried whether they would get their money back from an ATM • How bankers worked with heavy manual ledgers before computerisation • How Money Orders and Demand Drafts were once part of everyday banking • How technology transformed banking — but not the importance of trust In this inaugural episode of Banking Reframed...