The Digital Dawn: How Technology Is Reshaping the Indian Banking Landscape
IntroductionThe Indian banking sector has experienced a remarkable transformation, evolving from manual processes to a digital-first ecosystem. From the early days of ATMs and electronic fund transfers to the rise of mobile apps and AI-powered banking, technology has played a pivotal role in reshaping the way financial services are delivered and consumed. Key Drivers of…
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Banking Technology: Key Dimensions in the Modern Era
The banking landscape has undergone a profound transformation over the past decade. Today’s customers interact with their financial institutions through smartphones, intelligent budgeting tools, and AI-powered financial assistants that provide real-time insights and tailored recommendations. Banking technology now encompasses multiple dimensions that are reshaping the delivery and experience of financial services. These include core banking…
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Digitalisation of Wealth Management Solutions
Wealth management solutions comprise a suite of comprehensive financial advisory services aimed at assisting individuals and families in growing, preserving, and strategically distributing their wealth. These solutions typically include investment management, financial planning, estate planning, and tax optimisation. In today’s increasingly digital landscape, client relationship management has become more dynamic and interactive. The adoption of…
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Key features of Indian Banking Community Cloud (IBCC)
The Indian Banking Community Cloud (IBCC) is a secure, cloud-based infrastructure designed specifically for Indian banks. Developed by the Institute for Development and Research in Banking Technology (IDRBT), the IBCC enables collaborative resource sharing, cost optimization, and efficient service delivery within the Indian banking ecosystem. Launched on August 2, 2013, IBCC supports banks—especially new and…
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Institute for Development and Research in Banking Technology (IDRBT)
The Institute for Development and Research in Banking Technology (IDRBT) is an autonomous institution established by the Reserve Bank of India (RBI) in 1996. It was set up as a society under the Societies Registration Act to serve as a center for research and development in banking technology. Since 2004, the Institute has been financially…
RBI’s Digital Lending Directions, 2025 — A Regulatory Framework for Responsible Innovation
The Reserve Bank of India (RBI) has issued the Digital Lending Directions, 2025, to regulate the rapidly evolving digital lending ecosystem in India. Digital lending refers to the end-to-end automated loan process conducted remotely using digital platforms, encompassing customer acquisition, credit assessment, loan approval, disbursement, servicing, and recovery. While digital lending has significantly enhanced credit…
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