Kenya Capital Markets: The CMA has approved Wallstreet Africa’s WSA Banking Index ETF, set to list on the Nairobi Securities Exchange in Q4 and become Kenya’s first ETF domiciled locally and focused on banking stocks, as lenders rally. India Banking Funding: Banks are racing to lock in cheaper dollar funding via RBI’s 1.5% swap premium ahead of a Dec 31 cut-off, with HDFC Bank and others weighing up to $3bn in dollar bonds/loans. India Bank Margins: Kotak expects net interest margin pressure to ease as banks shift toward lower-cost FCNR and retail deposits, while credit growth moderates. SME Credit Data Push: SBI MD Ashwini Kumar Tewari says GST alone leaves most MSMEs outside the data ecosystem and urges credit bureaus to use alternative signals like power and telecom usage. RBI Governance & AI Oversight: RBI is pushing banks toward meaningful human oversight and accountability for AI-driven decisions, warning against blaming models for faulty outcomes. Cyber Risk in Banking: A new report highlights hackers targeting business travellers via hotel/airport WiFi to compromise Microsoft 365 accounts, underscoring holiday-time cyber exposure. Ghana Banking Costs: A Ghana banking workforce-cost analysis shows personnel costs per employee vary more than fourfold across lenders, pointing to different operating models and tech/lean strategies. Crypto Enforcement: The SEC and CFTC have sued Goliath Ventures over an alleged $425m crypto-linked Ponzi scheme, renewing focus on investor protection.