For decades, banks have been the undisputed kings of the financial world. They held the vaults, issued the credit, and kept the ledgers. But as highlighted in a recent address by RBI Deputy Governor Shri T. Rabi Sankar, the ground is shifting beneath their feet. Technology is no longer just a tool to make banking faster; it is rewriting the very definition of what a bank is. While India has seen massive success with public infrastructures like UPI, this digital revolution has

Artificial Intelligence isn't just a sci-fi concept anymore. It's in the phone you unlock with your face, the chatbots you talk to online, and increasingly, it's shaping the future of your personal finance. From how you manage your digital wallet to applying for a loan, AI is set to change everything in the world of banking. But when it comes to our money, innovation is only half the story. The other, more important half, is trust. This is the big question that financial lead

If you follow the stock market, you’ve probably heard the buzz: SME IPOs. Stories of small, unknown companies listing on the stock exchange and their prices doubling, or even tripling, on the very first day are everywhere. It feels like a modern-day gold rush where anyone with a demat account can strike it rich. But is it really that simple? A recent in-depth study from the Reserve Bank of India (RBI) helps us look behind the curtain of this frenzy. Let's break down what’s ha