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In the span of just a few years, Unified Payments Interface (UPI) has revolutionized how Indians transact, catapulting the country into a digital payments powerhouse. Launched in 2016 by the National Payments Corporation of India (NPCI), UPI has grown from a nascent platform to handling over 13 billion transactions monthly as of 2024. But behind … Read more
India’s financial sector is undergoing a digital revolution, powered by artificial intelligence (AI). From predictive credit scoring to real-time fraud detection, AI is transforming how banks, non-banking financial companies (NBFCs), and fintech startups operate. According to a NASSCOM report, India’s AI market is projected to reach $17 billion by 2027, with finance emerging as a … Read more
In the high-stakes world of finance, regulatory reporting is a cornerstone of compliance, ensuring transparency, stability, and trust in the system. Yet, it’s also a monumental task—financial institutions generate terabytes of data daily, navigating a labyrinth of evolving regulations like Basel III, Dodd-Frank, MiFID II, and local mandates such as India’s RBI guidelines. Enter generative … Read more
India’s fintech sector is a global powerhouse, fueled by ubiquitous digital payments, a young tech-savvy population, and supportive government policies. With over 2,500 fintech startups and Unified Payments Interface (UPI) transactions surpassing 12 billion per month as of 2024, the industry is growing at a blistering pace. Yet, traditional software development—with its long timelines, high … Read more
In a country where over 800 million people actively use digital payments, India is witnessing a transformative wave: embedded finance. This phenomenon involves embedding financial services like lending directly into non-financial platforms—think instant loans while shopping on Flipkart or paying bills via PhonePe. No longer confined to banks, credit is now woven into the fabric … Read more
In India’s rapidly expanding fintech ecosystem, where digital payments and lending platforms process trillions of rupees annually, Anti-Money Laundering (AML) compliance is no longer a checkbox exercise—it’s a strategic imperative. With UPI transactions surpassing 12 billion in October 2023 alone, according to NPCI data, the influx of funds creates fertile ground for illicit activities. Fintechs, … Read more
AI-Driven Personalization: Reshaping Customer Journeys in Indian Banking In the bustling landscape of Indian banking, where over 1.4 billion people are increasingly embracing digital finance, customer expectations have skyrocketed. A 2023 PwC report highlighted that 78% of Indian consumers expect personalized banking experiences, up from 62% just two years prior. Enter AI-driven personalization—a game-changer that’s … Read more
The article discusses the construction of an agentic deep reinforcement learning system that incorporates curriculum progression, adaptive exploration, and meta-level UCB planning. Curriculum progression involves training the agent through a structured sequence of tasks, starting from simpler ones and gradually increasing complexity. Adaptive exploration allows the agent to dynamically adjust its exploration strategy based on the environment and its current knowledge. Meta-level UCB planning integrates upper confidence bound strategies at a higher level to optimize decision-making and exploration-exploitation trade-offs. By combining these components, the system achieves more efficient and effective learning in complex environments, leading to improved decision-making and adaptability.
A new benchmark by Artificial Analysis evaluated 40 large language models, with only four achieving positive scores. Google’s Gemini 3 Pro emerged as the top performer, demonstrating superior factual reliability. However, the benchmark revealed significant weaknesses in the accuracy of most models. Despite Gemini 3 Pro’s strong performance, high hallucination rates across models remain a concern. This underscores the need for improvement in AI reliability and factual accuracy.
The article discusses how open-source software (OSS) is frequently overlooked in technology transactions despite being a crucial component of business software ecosystems. OSS plays a vital role in both internal systems and customer-facing solutions, often serving as the foundational layer that enables various software functionalities. However, because OSS typically operates behind the scenes, it often goes unnoticed by stakeholders who are not familiar with its specific applications, benefits, and associated risks. This oversight can lead to significant gaps in understanding during technology transactions, potentially resulting in incomplete assessments of software value and compliance issues. The article emphasizes the need for greater awareness and consideration of OSS in technology transactions to ensure comprehensive evaluation and proper risk management.