Banking Domain Insights

Bankly Blog

Practitioner-led articles on trade finance, AML, payments, UAT, and banking implementation — Domain intelligence for banking implementations.

Trade Finance 23 May 2026 NEW 7 min read

Why Letters of Credit Go to Second Presentation — And What Your UAT Plan Is Missing

Most LC discrepancies are avoidable. Here is why presentations go back — the MT752 waiver flow, the 5 banking day rule, partial utilisation tracking.

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AML & Compliance 23 May 2026 NEW 6 min read

Your TMS Has 200 Rules and a 90% False Positive Rate. Here's Why That's a Problem.

Calibration, structuring detection, and the tipping-off prohibition — three AML system gaps that most UAT plans never test.

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Payments 23 May 2026 NEW 5 min read

NEFT, RTGS, IMPS, UPI — Why One Test Plan Cannot Cover All Four

Four rails. Four different settlement finalities. Four different return mechanisms. Testing one and assuming the others are equivalent is the gap that produces production incidents.

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UAT & Testing 23 May 2026 NEW 6 min read

What Banks Get Wrong When They Write Test Cases — And Why It Costs Them in Production

Most production incidents trace back to scenarios not in the UAT plan — because the team writing test cases did not know the regulation well enough to construct the boundary.

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Project Finance 23 May 2026 NEW 6 min read

DSCR, DSRA, Waterfall — What Project Finance UAT Teams Consistently Miss

DSCR computation is only the start. The covenant breach workflow, DSRA drawdown lifecycle, and TRA waterfall sequencing are where project finance implementations fail.

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Treasury 23 May 2026 NEW 6 min read

FTP, IRRBB, LCR — Why ALM System UAT Fails Before Go-Live

FTP method selection, EVE vs NII distinction, and India-specific LCR SLR treatment — three ALM gaps that appear in production because they were never in the UAT plan.

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Commercial Banking 23 May 2026 NEW 7 min read

The Working Capital Finance Scenarios That Break Every New CBS Implementation

Drawing power vs sanctioned limit, MPBF computation, and the SMA/NPA cascade — three working capital scenarios that break CBS implementations because they were never properly tested.

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Payments & Trade 27 Jun 2026 NEW 6 min read

MT700 to MX: Why SWIFT Message UAT Fails on Format, Not Just Field

MT700 field interdependency, MT103/MT202COV correlation, and the ISO 20022 migration — the SWIFT scenarios that pass field-level UAT and still break in production.

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Training & Delivery 27 Jun 2026 NEW 5 min read

The Real Cost of Putting a Non-Banking BA on a Banking Project

Onboarding a generalist BA onto a banking implementation without domain grounding costs weeks in rework, not days in training. What that actually means for project budgets.

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KYC 27 Jun 2026 NEW 5 min read

Periodic KYC, Video KYC, CKYCR — The Three UAT Gaps That Aren't AML

Re-KYC risk-tiering, video KYC liveness edge cases, and Central KYC Registry deduplication — KYC scenarios that get bundled into AML UAT and tested incorrectly, or not at all.

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Specialised Trade Finance 27 Jun 2026 NEW 6 min read

Forfaiting Isn't Factoring With a Different Name — Why Specialised Trade UAT Gets Conflated

Forfaiting, factoring, Islamic trade finance, and supply chain finance get tested as if they're variations of the same product. They aren't — and the UAT gaps prove it.

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Retail & Digital Banking 27 Jun 2026 NEW 5 min read

Failed Transaction or Disputed Transaction? The CASA/Cards UAT Plans Keep Confusing

A failed UPI transaction and a disputed card transaction follow completely different rules, timelines, and liability — testing them as the same scenario produces a system that mishandles both.

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More articles publishing regularly

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