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The use cases are expanding quickly. The future lies in "Agentic AI"—autonomous systems that can perform complex tasks and make decisions. For example, the Bombay Stock Exchange (BSE), in partnership with an AWS partner firm, has built a system capable of resuming operations within 15 minutes of a platform outage, ensuring investors can still settle positions. This focus on resilience and intelligent automation is seen as the future growth driver for banking and the broader FSI. With government support and a "made-in-India" deep-tech ecosystem, Indian banks and fintech are poised to become global leaders in this AI-powered financial transformation.
Indian FSI must continue to invest in cybersecurity measures, such as advanced threat detection, encryption, and access controls, to safeguard customer data and prevent financial losses. Additionally, customer education and awareness programs can help to prevent cyber threats, by informing customers about best practices for online security.
Customers can begin a loan application via a mobile app and finish it over a call without repeating any steps. 4. Open Banking Ecosystems and India Stack Integration
The Reserve Bank of India (RBI) has introduced guidelines and regulations to ensure that banks and financial institutions prioritize cybersecurity. For instance, the RBI has mandated that banks implement a robust cybersecurity framework, which includes threat assessment, vulnerability management, and incident response.
India’s Digital Public Infrastructure (DPI)—collectively known as the India Stack—remains the bedrock of modern financial services. The Unified Payments Interface (UPI) has democratized retail payments, but the focus has now shifted to the next wave of infrastructure: the Account Aggregator (AA) network and the Open Network for Digital Commerce (ONDC).
The functioning of the modern Indian FSI can be broken down into five key operational pillars:
Redefining the Modern Workplace: 5 Modern Work Imperatives for Indian FSI