FutureCentral > AI for Retail Banking: The Guide for Retail Banking Professionals
AI for Retail Banking book cover
Banking & Financial Services · Working Professionals

AI for Retail Banking

The Guide for Retail Banking Professionals

Austin PM · FutureCentral Press

AI for professionals working in retail banking.

Working ProfessionalsManuscript chapters available
Explore the bookInquire about this bookView contents
AudienceWorking Professionals
Structure19 chapters listed
StatusManuscript chapters available

About the book

Retail credit, deposits, service, and collections provide the focus for this book. Customer journeys and banking workflows are examined alongside the data, controls, and human judgment needed to use AI responsibly in everyday retail operations.

What you will learn

  • Map retail banking opportunities
  • Evaluate credit and service workflows
  • Assess customer journey data
  • Design controls for retail AI deployment
Read before you decide

Explore the book

Chapter overview

Inside Chapter 1

Chapter topics, summarized from “The Rise of AI in Retail Banking”:

  • Explain how successive waves of AI affect retail banking.
  • Relate those changes to lending, deposits, cards, channels, and collections.
  • Trace Indian retail banking from branch-led services to predictive, generative, and agentic systems.

Preview and inspection

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Frameworks and decision tools

The Three-Wave Retail Banking Map

Introduced in Chapter 1.

The Retail Banking Data Fabric

Introduced in Chapter 2.

The Retail Credit Underwriting Architecture

Introduced in Chapter 3.

The Home-Loan Decision Stack

Introduced in Chapter 4.

The Revolving-Credit Lifecycle Model

Introduced in Chapter 5.

The Liability-Side Intelligence Model

Introduced in Chapter 6.

Table of contents

View all 19 chapters

Contents reflect available source documents. Final publication details remain unconfirmed.

  1. The Rise of AI in Retail Banking
  2. The Retail Banking Data Stack and ML Foundations
  3. AI in Personal Lending and Unsecured Retail Credit
  4. AI in Mortgages and Home Loan Underwriting
  5. AI in Credit Cards and Revolving Credit
  6. AI in Deposits, CASA, and Liability Management
  7. AI in Channels — Branch, Digital, and Conversational
  8. Customer Analytics and Behavioural Segmentation
  9. Lifecycle Management, Cross-Sell, and Collections
  10. Credit Risk and Fraud Detection in Retail
  11. KYC, AML, and Customer Due Diligence for Retail
  12. LLMs in the Retail Banking Workflow
  13. Agentic Retail Banking — From Assistant to Agent
  14. RBI Digital Lending Guidelines and FREE-AI for Retail Banking
  15. Fairness, Explainability, and the Retail-Credit Black Box
  16. Privacy, DPDP Act, and the Customer-Data Covenant
  17. The Role-by-Role Transformation in Retail Banking
  18. Skills, Credentials, and the Retail-Banking Career Architecture
  19. The 2030 Retail Bank — Strategy and Capstone
Student and faculty companions

Teaching and study resources

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