As India’s digital financial ecosystem matures, invisible technology infrastructure is becoming the defining factor behind resilience, customer trust and sustainable growth. India’s banking sector has spent the past decade redefining customer experience. Digital payments have become instantaneous, lending decisions are increasingly automated, account opening can be completed in minutes and banking services are now available…
For much of the past three years, the global economy has been shaped by a single recurring theme: uncertainty. From the Russia-Ukraine conflict and disruptions in the Red Sea to renewed tensions in West Asia, geopolitical developments have repeatedly tested the resilience of national economies. Global trade growth has moderated, supply chains remain vulnerable to…
As cyber threats become more intelligent, interconnected and psychologically sophisticated, the future of banking security will increasingly depend on resilience rather than perimeter defence alone. In the concluding part of this exclusive CXO Dialogue interview with Risk Awareness, Ratan Jyoti shares his perspectives on AI-driven cyber risks, ransomware preparedness, organisational security culture and the emerging…
As India’s banking ecosystem accelerates towards a deeply digital future, cybersecurity is rapidly evolving from a technology function into a boardroom-level resilience imperative. In the first part of this exclusive CXO Dialogue interview with Risk Awareness, Ratan Jyoti, Chief Information Security Officer, Head of Technology Risk Management, and Data Protection of Ujjivan Small Finance Bank…
For years, cybersecurity conversations in financial institutions largely revolved around firewalls, phishing attacks, ransomware incidents and periodic compliance audits. Those discussions still matter, but the latest advisory issued by the Securities and Exchange Board of India suggests something far bigger is unfolding beneath the surface. SEBI’s recent circular on emerging AI-driven vulnerability detection tools, including…
In a move signalling leadership continuity at a critical phase of growth, HDFC Life Insurance Company has approved the re-appointment of Vibha Padalkar as Managing Director and Chief Executive Officer for a further term of five years, effective September 12, 2026. The decision, taken by the company’s Board, remains subject to shareholder approval at the…
Artificial Intelligence is set to fundamentally reshape the financial sector, but its adoption must be guided by strong governance, fairness and accountability, said Swaminathan J, Deputy Governor of the Reserve Bank of India, in a recent address at SASTRA University. Speaking on “AI in Finance: What can change, what must never change,” He framed the…
Cholamandalam MS General Insurance (Chola MS) has announced a key leadership transition, appointing Rajive Kumaraswami as Managing Director Designate effective April 22, 2026. He is set to take over as Managing Director and CEO from June 1, 2026, succeeding V. Suryanarayanan, who will retire at the end of May after a long and impactful tenure….
India’s microfinance sector is entering a structurally important transition phase, one that reflects a shift from acute asset quality deterioration (credit risk) to a more complex challenge of credit flow compression (liquidity impact). The latest Microfinance Pulse Report (March 2026) provides clear evidence that while the worst of the credit stress may be moderating, its…
For much of the past decade, operational resilience was treated as an insurance policy: costly, necessary, and largely invisible when things went right. Today, that framing is no longer sufficient. In an era marked by supply-chain fragmentation, cyber disruptions, climate volatility and abrupt shifts in capital flows, resilience has emerged as a source of competitive…
