Biswa Banik, Chief Data Officer, Tonik Bank

In this episode of The Bank Tellers, host Zach Anderson Pettet sits down with Biswa Banik, Chief Data Officer at Tonik Bank, the Philippines' first fully digital bank. Biswa shares his fascinating journey from Microsoft software developer to management consultant to fintech innovator, revealing how his unique background bridges technology and business to solve real-world financial problems.Discover how Tonik Bank is tackling the challenge of serving the Philippines' 70% underbanked population through innovative data analytics and AI. Biswa offers rare insights into:How alternative data sources (from mobile phone behavior to utility payments) are revolutionizing credit risk assessment for thin-file clientsThe practical applications of both traditional AI and generative AI in banking operationsThe critical balance between technological innovation and regulatory complianceTonik's mission to deliver credit to those overlooked by traditional banking systemsWhether you're interested in fintech innovation, emerging markets, or the future of AI in banking, this episode provides a masterclass in how data-driven approaches are transforming financial inclusion in Southeast Asia.Tonik Bankhttps://tonikbank.com/Follow Biswa: https://www.linkedin.com/in/drbnbanik/Follow Money20/20:YouTube: @Money2020Tv  LinkedIn: https://www.linkedin.com/company/money2020/Instagram: https://www.instagram.com/money20_20Facebook: https://www.facebook.com/Money2020X: https://www.twitter.com/Money2020TikTok: https://www.tiktok.com/@money20_20