IIBF Emerging Technologies case studies
IIBF Emerging Technologies · Put your knowledge to work in context.
The IIBF Emerging Technologies credential is a certificate examination offered by the Indian Institute of Banking & Finance (IIBF), the Mumbai-based institute established in 1928 that describes its mission as developing professionally qualified and competent bankers and finance professionals through education, training, examination, consultancy and continuing professional development. This page is an independent study resource and is not affiliated with, endorsed by, or operated by IIBF; always confirm exam dates, eligibility and rules on iibf.org.in and in the official notification for your session. The IIBF Emerging Technologies case studies are 5 cases and about 4,388 words.
1The Nine-Month Digital Bank on a 2009 Core
Shree Janata Sahakari Bank, a 71-branch urban co-operative bank with ₹9,400 crore in deposits, runs a 2009-vintage core banking system (CBS) with no published APIs. 82% of customer-initiated transactions still happen at the counter.
880 words, about 4 min2The Black-Box MSME Scorecard That Stopped Working
Pragati Finance, an NBFC with ₹3,200 crore of MSME assets, runs a vendor-supplied machine-learning scorecard for unsecured working-capital loans of ₹2–15 lakh. Inputs are GST return regularity, UPI merchant inflows, telecom recharge behaviour and bureau data.
897 words, about 4 min3Ransomware at 11 pm Through a Vendor's Laptop
Suryodaya Retail Finance, an NBFC-MFI with 480 branches and ₹6,000 crore of assets under management, finds files on its loan-origination servers encrypted on a Friday night. The entry point appears to be a remote-access tool used by a third-party IT support vendor whose engineer's laptop was compromised.
815 words, about 4 min4The LSP That Owns the Customer, the Money and the Data
QuickRupee, a lending service provider with 6 million app installs, originates personal loans of ₹5,000–₹60,000 through a small NBFC, Anandi Finserve. In the current flow: the borrower e-signs the agreement inside QuickRupee's app; ₹99 is deducted as a 'platform fee' from the disbursed amount before it leaves QuickRupee's escrow arrangement with a payments bank; the Key Fact Statement is emailed only after disbursal; bank statements and the phone's contact list are uploaded to QuickRupee's server in Singapore; recovery calls come from individual mobile numbers and mention 'the QuickRupee legal team'; QuickRupee provides a default loss guarantee equal to 9% of the loan book; a partner bank funds 80% under a co-lending arrangement.
887 words, about 4 min5Consent by Fine Print, and a Vendor's Foreign Bucket
Meridian Bank plans a 'life-events' cross-sell engine: 14 million customers, three years of salary-credit and card-spend patterns, feeding pre-approved personal-loan offers pushed by SMS and WhatsApp. Consent captured at account opening reads: 'I agree to receive information about products and services offered by the Bank and its partners.' Separately, the bank's legal team learns that a marketing analytics vendor copied a 40,000-row customer extract into its own cloud tenancy in the United States for 'model training'.
909 words, about 5 min