Selected Tag: Anupam Sonal
Selected Tag: Anupam Sonal
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.

AI in Banking: From Data Processing to Institutional Thinking

Natural language AI is changing how banks process meaning, not just data, bringing new coherence to credit, compliance, and customer engagement.

Anupam Sonal

May 4, 2026 at 7:02 AM IST

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Stress Testing Must Evolve to Match a Fluid Shock Environment

A financial system where risks continuously shift demands a new approach to stress testing, one that anticipates vulnerabilities rather than merely measuring them.

Anupam Sonal

April 10, 2026 at 2:08 AM IST

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Safeguarding Financial Stability amidst the West Asia Crisis

A framework for regulators and institutions to manage multi-channel shocks, combining liquidity support, sharper supervision and stronger internal risk discipline without distorting markets.

Anupam Sonal

March 30, 2026 at 10:01 AM IST

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Governance Risks Move Centre Stage in Bank Supervision

Leadership churn in large banks flags deeper governance risks. Supervisors must read early signals before they spill into market confidence.

Anupam Sonal

March 28, 2026 at 7:50 AM IST

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When Risk Frameworks Fail: The ₹5.9-Billion Reality Check

The IDFC First Bank fraud exposes how formal controls collapse under pressure, revealing the dangerous gap between risk frameworks and institutional reality.

Anupam Sonal

February 26, 2026 at 6:45 AM IST

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How AI and Real-Time Banking Are Turning Operational Risk Systemic Today

In a real-time, AI-driven financial system, operational risk is no longer peripheral. It is fast becoming a co-pillar of systemic stability.

Anupam Sonal

February 24, 2026 at 9:06 AM IST

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India’s Next Growth Phase Needs Regulatory Courage

With banks strong and inflation anchored, India’s risk is not fragility but comfort. Governing success will demand pre-emptive discipline.

Anupam Sonal

February 16, 2026 at 7:14 AM IST

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Regulation for a No-Pause Financial System in a Fast-Moving Economy

India’s financial system cannot be governed by rear-view regulation. The RBI must move from rule-making to system design, balancing stability, innovation and trust.

Anupam Sonal

December 30, 2025 at 6:19 AM IST

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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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Central Banking

Rewriting Financial Regulation for the Age of BigTech Power

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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