Anupam Sonal

Anupam Sonal

Anupam Sonal, a career central banker with 34+ years’ experience in regulation, supervision, customer protection and fintech, is currently a Senior Advisor and Independent Director to banks & NBFCs.

India’s New Data Regime Forces a Reckoning in Financial Governance

India’s new personal data regime places citizens at the centre of the digital economy and compels banks to rethink governance, accountability, and the ethics of information control.

Anupam Sonal

November 24, 2025 at 5:10 AM IST

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Central Bank Ombudsman Faces its Own Test

A Bombay High Court case revives questions about the limits, fairness, and future of RBI’s redress architecture

Anupam Sonal

November 3, 2025 at 6:46 AM IST

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Building a Unified Framework for AI Oversight

India is crafting a unified AI governance model where innovation meets integrity. RBI’s FREE-AI and CCI’s oversight framework set the stage for ethical, transparent intelligence.

Anupam Sonal

October 30, 2025 at 8:02 AM IST

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Customer Service: The Missing Core of Survival in Indian Banking

India wants global banking giants by 2047, but without fixing everyday service failures, trust may erode faster than balance sheets grow.

Anupam Sonal

September 23, 2025 at 6:57 AM IST

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Compliance, the Competitive Edge in Modern Banking

As banking embraces AI, fintech and speed-of-swipe risks, compliance must evolve from a back-office ritual into the circulatory system that sustains trust and resilience.

Anupam Sonal

September 3, 2025 at 6:18 AM IST

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Rewriting Financial Regulation for the Age of BigTech Power

Central Banking

BigTechs are not just disrupting finance. They are reshaping it. Regulators must move beyond old templates before systemic risks outpace the rulebook. 

Anupam Sonal

August 10, 2025 at 6:57 AM IST

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Why Data Must Become Strategic Core of Modern Banking 

Banks sit on a data goldmine, but real value will only emerge from structure, speed, security, and a clear-eyed view of risk and responsibility. 

Anupam Sonal

July 14, 2025 at 6:50 AM IST

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