The AI Dividend in Banking

The chapter structure is in development and may change.

1. Three waves of AI in banking — and why the third wave breaks the rules
2. The state of AI in Indian banking today
3. Four banks, four AI agendas — the segment framing
4. The AI dividend in banking — where the money actually is
5. Over-hyped and under-invested — the strategic map
6. Portfolio thinking — the AI bet allocation problem
7. Retail and SME — the loud half of the bank
8. Corporate, trade, and treasury — the quiet half of the bank
9. Risk, compliance, and audit — the third line in an AI world
10. Operations, HR, and the back office — where AI quietly pays
11. Agentic AI in banking — the workflows that change shape
12. The CBS reality — AI strategy meets a thirty-year-old core
13. Data, talent, and compute — the three readiness deficits
14. Vendor concentration and the build-buy-partner call
15. FREE-AI — the seven sutras seen from the CEO’s chair
16. Model risk management in a generative and agentic era
17. The board, the three lines, and the AI accountability question
18. Why most bank AI programmes stall at twenty-four months
19. Capability building, culture, and the long arc
20. The AI-era banking leader — and the CEO succession question