• Agentic AI principles: Operating financial AI at scale requires 100% accuracy at all times, accountability by design with clear audit trails, and unbiased access where technology adapts to the customer.
• Agent risk management: Institutions must shift from traditional Know Your Customer practices to "Know Your Agent" frameworks that manage agent identity, authentication, consent, transaction limits, and real-time AI-versus-AI risks.
• Ecosystem coalition: Scaling trustworthy Agentic AI requires collective participation from regulators safeguarding financial stability, banks acting as responsible deployers, and fintech companies innovating the underlying infrastructure.
• Intelligent financial inclusion: Having scaled digital financial infrastructure to 1 billion people, India has the opportunity to transition from basic digital inclusion to intelligent financial services for 1 billion citizens.