In this issue we have covered articles on TBML- Growing Coherence & Misuse of International Trade - Sheetal Sharma; Retail Banking post Pandemic: Repositioning & Recalibrating for the Present & Future - Mukti Prakash Behera; Analytics in Indian Banking: The Way Forward - Vineet Bhardwaj; RBIs Proposed changes to Regulatory Framework applicable to Housing Finance Companies HFCs - Sailesh Kumar; Block Chain Technology- A tool of digital transformation - Ranjit Kumar; Phygital Banking: Way Ahead for Indian Banking Industry - Nilotpal Banerjee; Rise of Alternative Payment Settlement System - New Umbrella Entity NUE - Ashutosh Pande.   We have covered news on Banking, RBI, Industry, Mutual Fund and Co-Operative Bank News.      Besides it covers other interesting features.