AI is accelerating across financial services, with emerging use cases poised to transform operations by 2026: real-time fraud detection, AI-driven credit underwriting using UPI trails and digital footprints, dynamic climate/cyber risk modelling, automated InsurTech claims processing, personalized portfolio optimization, and agentic AI for 24/7 vernacular customer service.
This Day 2 roundtable builds on Day 1's digital finance jobs, InsurTech growth, and Odisha GCC discussions by focusing on high-impact AI use cases across lending, payments, insurance, and wealth management, while defining essential guardrails for fairness, explainability, and compliance aligned with RBI's FREE-AI framework and DPDP Act.
Key discussion topics
- What are the most promising emerging AI use cases in financial services, such as real-time fraud detection, alternative data credit underwriting, and automated InsurTech claims processing?
- What standardized models and infrastructure accelerate scaling of these use cases across large banks and smaller fintechs?
- How can agentic AI enable hyper-personalized portfolio management, vernacular chatbots, and dynamic risk modelling that deliver trusted customer outcomes?
- What essential guardrails ensure transparency, explainability, and bias mitigation in AI-driven financial decisions?
- How can industry collaborate with RBI, SEBI, and IRDAI on shared frameworks for AI inventories, fairness thresholds, board oversight, and regulatory sandboxes?
- How should data-sharing incentives under privacy laws bridge the AI adoption divide for underserved institutions?
AI in Financial Services: Emerging Use Cases and Essential Guardrails
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