India has built one of the world’s most advanced digital payment ecosystems in less than a decade. Unified Payments Interface (UPI) now processes over 20 billion transactions every month, making India the global leader in real-time retail payments. The speed, scale and accessibility of digital payments have transformed financial inclusion, commerce and customer experience, establishing…
Artificial intelligence has rapidly moved from experimentation to execution. Across industries, organizations are embedding AI into customer service, fraud detection, underwriting, supply-chain planning, document processing, compliance monitoring, analytics, and internal decision-making. As adoption accelerates, discussions around AI risk have largely focused on visible concerns such as cybersecurity, privacy, bias, hallucinations, regulatory compliance, and ethical governance….
India’s market regulator is preparing a broad push to deepen the country’s corporate bond market, with reforms spanning retail participation, market liquidity, municipal debt financing and tokenised corporate bonds emerging as key focus areas in the next phase of debt-market development. Speaking at the CareEdge Debt Summit on Tuesday, the SEBI Chairman Mr. Tuhin Kanta…
The Reserve Bank of India (RBI) has constituted an Expert Committee for a Quantum Secure and Adaptive Financial Ecosystem (Q-SAFE) as the central bank begins evaluating the long-term implications of quantum computing on India’s financial infrastructure, cybersecurity frameworks and digital resilience. The move comes amid growing global concern over the potential impact of quantum technologies…
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…
India’s economic trajectory over the next decade will be defined not just by ambition, but by its ability to finance that ambition. The numbers are staggering. According to estimates by the National Infrastructure Pipeline and subsequent policy discussions, India will require investments in the range of ₹190-250 lakh crore between 2025 and 2035 to sustain…
Speaking at a press conference following the inauguration of a new State Bank of India office in Pune, Nirmala Sitharaman remarked that “The challenge posed by advanced AI is fundamentally different from what banks have successfully managed so far.” The statement reflects a deeper structural shift underway in global finance. For decades, banks have relied…
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…
Liquidity risk has re-emerged as the defining challenge for corporate treasurers worldwide. In global surveys, it consistently ranks as the No. 1 concern, ahead of FX volatility, cyber incidents and counterparty risk. Elevated interest rates have sharpened the cost of holding excess cash, while vulnerabilities in banking systems across the US, Europe and parts of…
In an environment where India’s fixed-income markets are undergoing structural transition, treasury functions across financial institutions are being forced to adapt in real time. Few practitioners reflect this shift more clearly than Harsimran Singh Sahni, Executive Vice President and Head of Treasury at Anand Rathi Global Finance Limited, who has spent more than 15 years…
