These three acronyms get listed together as though they were small, medium and large versions of the same thing. They are not. Two of them differ by size, two differ by modality, and the combinations are perfectly valid — a small vision model is an ordinary thing to deploy. Untangling that is most of the…
Category: Technology
RBI AI Regulations for Banks and NBFCs — Where Things Stand
There is no single RBI regulation governing artificial intelligence. What exists is a committee report with recommendations, several existing master directions that partly apply, and a signalled intention to do more. For institutions deciding what to build, that ambiguity is itself the planning problem. Position as of August 2026. This is an actively developing area…
AI Model Risk Management — What Institutions Must Build
Ask a mid-sized NBFC how many AI models it has in production and the answer is frequently uncertain. Models arrive through vendor products, embedded in platforms, built by individual teams. Nobody holds the complete list. That gap — not model accuracy — is where most institutional AI risk actually sits. Position as of August 2026….
Limitations of AI in Finance — Where It Genuinely Does Not Work
Most writing about AI in finance describes what it might do. This describes what it does not do, and specifically which of those limits are structural rather than temporary. The distinction matters, because a limitation waiting on better models is a planning assumption, while a structural one is a permanent constraint. Structural vs Temporary Limits…
AI-Enabled Cyber Threats in Banking — The Biggest Risk Banks Named
When the RBI asked major banks and NBFCs to name their biggest cyber risk for the coming year, the answer was not ransomware or insider threat. It was AI-enabled attacks. That finding, recorded in the Financial Stability Report, is worth taking seriously — these are institutions with mature security functions describing what worries them most….
How to Spot an AI Investment Scam
The pitch has changed but the structure has not. Where fraudulent schemes once claimed a secret formula or an insider connection, they now claim an AI model. The technology is new; the mechanics of the fraud are the same ones regulators have warned about for decades. Why AI Made This Worse What AI enabled Effect…
What is a Robo-Advisor? How Automated Investing Works in India
Answer eight questions about your age, income and risk tolerance, and a platform allocates your money across funds and rebalances it automatically. That is a robo-advisor. It is less sophisticated than the name suggests, and for many investors that is precisely the point. What a Robo-Advisor Is A robo-advisor is a platform that builds and…
AI in Algorithmic Trading — What Works and What Is Marketing
Search for AI trading and you will find products promising consistent returns from machine learning. The honest position is narrower and less exciting: AI genuinely helps with execution — how to buy without moving the price — and helps far less with prediction, which is what everyone actually wants it for. What Algorithmic Trading Is…
Agent-Native Applications — What Changes When Agents Are the Interface
Most software with AI in it today is a conventional application with a chat panel added to the side. That is a reasonable first step and it is not the same thing as building around an agent. The difference shows up in architecture long before it shows up in the interface. Two Different Things Agent-enabled…
AI Bias in Financial Services — How Discrimination Gets Automated
A lender removes gender, religion and caste from its credit model entirely. The model still declines women at a higher rate. Nobody programmed that outcome and no protected variable is in the model. This is the central difficulty with fairness in automated lending, and deleting variables is not the solution. What AI Bias Means Here…