EP37: Building a Future Ready Bank in India

In this episode, we explore how banking is being reshaped globally and in India as technology, regulation, and customer expectations collide. We look at why global banks are financially resilient, yet under pressure to modernise faster, and how trends like generative AI, open banking, embedded finance, and cloud-native cores are redefining scale and speed.The conversation then shifts to India’s banking story one driven by deep digital adoption, expanding financial inclusion, and a rapidly maturing fintech ecosystem. Private and public sector banks alike are showing stronger balance sheets, better risk discipline, and improving productivity, while fintechs are pushing innovation in payments, lending, and customer experience.We close by discussing what truly defines a “bank of the future”: shorter idea-to-execution cycles, AI-led automation, data-driven decision-making, and open, API-ready platforms. The message is clear banks that combine agility, technology, and customer-centric design will be best placed to lead the next phase of financial services transformation.