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About the publication

Independent perspective on the business of banking.

Indian Banking Review brings together informed reporting, analysis and practitioner perspectives on the institutions, ideas and technologies shaping financial services in India.

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Our purpose

We cover banking as an interconnected industry—not as isolated headlines. Our editorial lens spans strategy, products, regulation, marketing, servicing, technology, the wider ecosystem and banking history.

The Review is built for leaders, practitioners and curious readers who value clarity, context and ideas grounded in the realities of Indian banking.

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The founding team

Meet the founders

Upendra Pathak

Upendra Pathak

Upendra is the co-author of Ecosystem Banking. He has extensive experience in the banking and financial services industry, with expertise spanning banking transformation, AI strategy, and emerging technology-led innovation. As a thought leader, he focuses on bridging strategic management thinking, artificial intelligence, and practical banking realities to shape the future of the BFSI ecosystem.

Manish Jain

Manish Jain

Manish Jain is Global Head of Management Consulting at Infosys Finacle, with 20+ years of global experience in banking, fintech, digital transformation, and financial services consulting. A co-author of Ecosystem Banking, he writes on banking innovation, digital public infrastructure, AI, open finance, technology strategy, and the transformation of financial services.

Adarsh Vishwakarma

Adarsh Vishwakarma

Adarsh is a strategy consultant with experience across Artificial intelligence, digital transformation, emerging technology adoption, and product development in the BFSI sector. Having advised Tier-1 banks across the Globe, he works at the intersection of business strategy and hands-on technology delivery, from capability assessments and Centre of Excellence design to building working solutions. His focus is on turning technology ambition into practical, scalable outcomes for financial institutions.