Deep dives, opinion pieces, and strategic analysis on how AI and technology are transforming the financial industry.
Backbase's launch of an AI-native agentic banking operating system signals a major inflection point — but it is also the beginning of a new competitive category, not a single-player story. Open's BankingStack and Razorpay are already in the race.
From HSBC to UBS to Morgan Stanley, banks are creating a brand-new C-suite seat dedicated to artificial intelligence. What the CAIO role means, who's filling it, and what it takes to get there.
A few months ago, the RBI published the FREE-AI report on AI in financial services. While not a formal regulation or binding guidance, it is the clearest signal yet of how the central bank expects AI to be governed inside Indian finance — and every bank and fintech should read it as a deployment framework.
UPI has already won. The question now is not adoption — it is removing the need to manually operate payments. Agentic payments could turn UPI from a transaction interface into a decision engine over the next two years.
At FTX 2026, Razorpay launched Agentic Business Banking with five specialized AI agents for payouts, collections, reporting, bookkeeping, and insights. This is not just a product launch — it is a statement about the future of user interfaces in finance.
Adding a chatbot, an MCP server, or a thin AI layer does not make a legacy payment gateway AI-native. The payments industry is entering a phase where that gap will be impossible to hide.
Axis Bank, HDFC Bank, and Yes Bank are embedding AI deep into their operating layers. But fintechs like Open Money and Razorpay are building AI-first from scratch — and the convergence is reshaping the industry.
Indian treasury teams sit at the center of cash, risk, payments, compliance, and financial control. Yet across much of corporate India, treasury is still managed through spreadsheets. That gap is becoming impossible to ignore.
Bureau-first lending is losing its exclusive hold on creditworthiness. Behavior-first models are taking share — and for Indian banks, that may be one of the biggest strategic shifts in lending this decade.
Europe's first AI-native bank isn't adding AI to existing systems. It's replacing the system itself — and that changes everything about how banks are built, operated, and scaled.
Robinhood is expanding Cortex from an investing assistant into a platform-wide interface for research, portfolio insights, and action. Here's why that matters for the future of retail finance.
JPMorgan's AI strategy goes beyond pilots and copilots. With LLM Suite, initiative-level ROI, model-agnostic infrastructure, and workforce redesign, it may be building the first fully AI-connected bank.
Voice-first commerce has long been a demo. Razorpay and Sarvam are trying to turn it into infrastructure — enabling multilingual conversational payments across India.
IBM's MCP Server for Safer Payments lets AI agents query live fraud intelligence in real time — a shift from static pattern-matching to agentic fraud operations.
IBM's new MCP Server for Safer Payments lets AI agents query live fraud intelligence, reason across alerts, and act in real time — a shift from pattern-matching to agentic fraud operations.
Razorpay's Agent Studio marks the beginning of agentic finance — where AI agents don't just analyze payments, they autonomously manage them. Here's why this changes everything for banks and fintech.
Mule accounts are the invisible plumbing of financial fraud. Now AI systems are being deployed to detect and dismantle them before criminals can strike. Here's how it works — and what comes next.