IIBF Digital Banking case studies
IIBF Digital Banking · Put your knowledge to work in context.
This page is an independent study resource for candidates preparing for IIBF Digital Banking assessment content. IIBF - the Indian Institute of Banking & Finance - is described on its own site as established in 1928 as a Company under Section 26 of the Indian Companies Act, 1913, with a vision to be the premier Institute for developing and nurturing competent professionals in banking and finance. The IIBF Digital Banking case studies are 5 cases and about 3,899 words.
1QuickPaisa: LSP-sourced personal loans and the limits of 'cosmetic' compliance
Sanchi Finance is an NBFC-ICC with ₹1,850 crore AUM and 31 branches. It plans 'QuickPaisa', a 90-day personal loan of ₹8,000–₹50,000 sourced entirely through a fintech LSP app with 2.4 million installs.
895 words, about 4 min2The ₹18,400 UPI loss: who bears it when the bank's own alerts sat unactioned
On 14 March, Meera Nair, a retired teacher in Kochi, notices three UPI debits totalling ₹18,400 from her savings account - ₹8,000, ₹6,400 and ₹4,000 - all to the same beneficiary VPA, between 02:10 and 02:41 a.m. She reports them at the branch on 23 March.
705 words, about 4 min3Singapore primary region: payment data localisation, sub-outsourcing and a four-hour detection lag
Meridian Bank's mobile banking app runs on public cloud infrastructure. Transaction and customer data for the app are written to a primary region in Singapore; a Mumbai region is used only for disaster recovery with asynchronous replication that lags 40 minutes.
661 words, about 3 min4PayNest: a small wallet doing large-value things
PayNest is a non-bank prepaid payment instrument (PPI) issuer authorised under the PPI Master Directions. It sells reloadable wallets through its app and 1,900 kirana merchant partners.
672 words, about 3 min5Kaveri SFB: a video-KYC pipeline that manufactured mule accounts
Kaveri Small Finance Bank opened 4,100 savings accounts in three months through a video-KYC app built by an external vendor. The vendor's agent runs each session from a Kolkata call centre, while the bank's operations team supervises from Coimbatore without conducting the call.
966 words, about 5 min