https://ibs.neerajprem.in/changelog/What changed on the site and when.en-inhttps://ibs.neerajprem.in/changelog/#cl-2026-10-15-about2026-10-15-aboutThu, 15 Oct 2026 00:00:00 GMTAdded an About the author page and a byline on every page. Fixed the desktop header, where the Reference menu overlapped the Search button at common screen widths.https://ibs.neerajprem.in/changelog/#cl-2026-09-29-scaffold2026-09-29-scaffoldTue, 29 Sep 2026 00:00:00 GMTBuilt the site framework: navigation, search, light and dark themes, the fact and citation system, glossary tooltips and diagram components. First pages: Payment rails (introduction), Core banking system architecture and Messaging and streaming.https://ibs.neerajprem.in/changelog/#cl-2026-09-29-release2026-09-29-releaseTue, 29 Sep 2026 00:00:00 GMTAdded High-volume systems, Build versus buy (with a decision scorer), Limitations and known problems, Regulators and mandates, the RBI ecosystem with a relationship map and eleven institution pages, and glossary search. Every fact on the site is now verified against an opened source.https://ibs.neerajprem.in/changelog/#cl-2026-09-29-stage4b2026-09-29-stage4bTue, 29 Sep 2026 00:00:00 GMTPublished all nine architecture topics: core banking, payments, API-first and open banking, event-driven design, data, legacy modernisation, security, multi-data-centre and disaster recovery, and hybrid cloud. Each has diagrams, trade-offs, failure modes and design-review questions. Added what RBI's 2023 IT governance Direction actually requires for disaster recovery: banks define their own recovery targets, aim for near-zero data loss on critical systems and run half-yearly drills.https://ibs.neerajprem.in/changelog/#cl-2026-09-29-fact-ledger2026-09-29-fact-ledgerTue, 29 Sep 2026 00:00:00 GMTBuilt the sourced fact ledger. Corrected the cheque clearing section: RBI postponed Phase 2 of continuous clearing on 24 December 2025 and changed the session hours. Updated the UPI headline figure to August 2026.https://ibs.neerajprem.in/changelog/#cl-2026-09-29-stage4c2026-09-29-stage4cTue, 29 Sep 2026 00:00:00 GMTPublished all twelve technology topics, from core banking platforms and databases to machine learning and payment-specific technology, each with a landscape table, guidance on choosing, trade-offs, pitfalls and design-review questions. Added RBI's 2025 rules for authenticating digital payments, and noted that RBI's guidance on AI and model risk is still in draft.https://ibs.neerajprem.in/changelog/#cl-2026-09-29-stage4a2026-09-29-stage4aTue, 29 Sep 2026 00:00:00 GMTPublished the full Payment rails and Core systems pages and rebuilt the home page. New: a gross-versus-net settlement example, a step-by-step UPI explainer, UPI limits, the rules for fixing failed payments, card tokenisation, Account Aggregators and a guide to which rail suits which job.