• AI data synthesis: Integrating fragmented data pools across core loan systems, credit cards, digital trails, and web semantic layers creates powerful customer value beyond human analytical capability.
• Positive analytics application: AI can be deployed beneficially to identify customers spending ₹100,000 to ₹500,000 overseas on credit cards and proactively offer them a 0% FX markup card to reduce costs.
• Unethical exploitation risks: Using analytics to quietly debit hidden fees from dormant accounts inactive for six to nine months is ethically unacceptable, despite being technically legal.
• AI governance mandate: Comparing AI to nuclear technology that can either generate electricity or build bombs, management stressed that maintaining a strict moral compass is vital when implementing AI in banking.