Building a Basel model is one of the most important and regulated activities in banking. Unlike generic predictive models, Basel models directly influence regulatory capital, portfolio strategy, pricing, and risk appetite. Regulators expect these models to be conceptually sound, statistically robust, well-governed, and auditable. The Journey of Building a Basel Model Building a Basel-compliant credit […]
Building a Basel Model in Credit Risk Read More »
AI in fintech for 2025–26 represented a structural break from the past. Artificial intelligence is redefining products are design, risk, compliance et. al. For most of the last decade, fintech innovation focused on digitizing existing banking processes—mobile onboarding, API connectivity, cloud migration, and faster payments. AI in fintech through the year 2025–26 represented a structural
How AI in Fintech for 2025–26 has Rebuilt Digital Banking Read More »
The implementation of IFRS 9 introduced a fundamental shift in the measurement of credit risk across financial institutions. Unlike the incurred-loss framework under IAS 39, IFRS 9 requires the estimation of Expected Credit Losses (ECL) using a forward-looking, probability-weighted approach that incorporates both current conditions and reasonable future forecasts. This change has heightened the importance
Roll Rate Analysis and Vintage Analysis in IFRS 9 Credit Risk Models Read More »
Threat modelling in banking industry is one of the most important measure to protect from cybercriminals. With billions of digital transactions happening every day and an ever-growing attack surface—from mobile banking apps to cloud-based services—traditional security models are struggling to keep pace. This is where Artificial Intelligence (AI) is rapidly transforming the landscape, particularly in
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Understanding innovation-driven economic growth on which 2025 Nobel prize was awarded to Joel Mokyr, Philippe Aghion, and Peter Howitt. Who Won & What They Were Awarded For The 2025 Nobel Prize in Economic Sciences was awarded to three economists: Joel Mokyr, Philippe Aghion, and Peter Howitt. They were recognized “for having explained innovation-driven economic growth.”
Understanding 2025 Nobel in Economics: Innovation-Driven Economic Growth Read More »
Generative AI in credit risk modelling is emerging as the next frontier. With its ability to create synthetic data, simulate scenarios, and enhance model interpretability, it offers exciting opportunities—while also raising regulatory and ethical challenges. From scorecards to sophisticated probability of default (PD), loss given default (LGD), and exposure at default (EAD) models, financial institutions
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Legacy models in banking generally refers to older or pre-existing models that were originally built for credit risk management, regulatory capital (Basel II/III), or internal risk purposes, and which were later adapted for Expected Credit Loss (ECL) estimation under IFRS9. In the banking world of financial risk management, regulatory frameworks like IFRS9 (International Financial Reporting
Legacy Models in Banking Regulatory Frameworks such as IFRS9 Read More »
Model risk management refers to the management of risks that occur from the potential adverse consequences of decisions based on incorrect or misused models. In the modern banking ecosystem, models have become foundational to virtually every critical function. Whether it’s approving a mortgage application, pricing a derivative product, or calculating capital reserves, banks rely on
Model Risk Management: A Crucial Function in Modern Banking Read More »
Agentic AI in Banking is not simply an upgrade to existing AI systems—it’s a redefinition of what intelligent systems can do.
Agentic AI in Banking Sector: Next Transformation in Banking Read More »