For more than a decade, wholesale banks have invested heavily in digitisation, platforms, and transformation programmes. Many modernised their technology. Few changed their economics.
Transaction Banking, Redefined argues that the problem was never execution or ambition. It was misunderstanding where value in transaction banking actually comes from.
Drawing on over two decades of experience across South Asia and the Middle East, Amol K Bahuguna examines why transaction banking is repeatedly treated as infrastructure rather than franchise, why platforms scale activity without improving returns, and why execution fails inside otherwise strong institutions.
This is not a book about technology trends, fintech disruption, or transformation slogans. It is a banker’s view of how liquidity, behaviour, operating models, and governance really determine outcomes in wholesale banking.
Written for CEOs, head of wholesale banking, head of transaction banking, CDOs, CTOs, CIOs, and young transaction banking professionals, this book challenges comfortable assumptions and replaces them with judgement earned from practice.
The future of banking will not be decided by who digitises fastest, but by who understands what they are actually redefining.
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Amol K. Bahuguna
Amol K. Bahuguna is a senior corporate and transaction banking professional with over two decades of banking experience across South Asia and the Middle East. He has worked extensively with global, regional, and domestic banks and has held leadership roles spanning relationship management, product ownership, and large-scale digital and operating-model transformation.
His career includes senior responsibilities in the Middle East, where he has worked closely with CEOs and Executive Management on transaction banking strategy, platform modernisation, and balance-sheet optimisation.
Amol writes from the perspective of a practitioner who has lived through the consequences of transformation decisions, with a focus on how liquidity, behaviour, and governance actually shape outcomes in wholesale banking.
With recognised Industry accolades, Amol has been recognised among the Top 50 Tech Leaders in KSA and Top 50 Payment Leaders in the GCC, and is known for subject matter expertise in corporate banking, transaction banking and digital transformation. Amol is a public speaker and also writes thought leadership articles in various business publications.
