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AI can do to lending, what UPI did to payments: RBI governor Sanjay Malhotra

MUMBAI: RBI governor Sanjay Malhotra said AI could do to lending decisions what UPI did to payments and urged banks not to sit on the sidelines as India is well-placed to adopt the technology because of its public digital infrastructure and regulatory supervision. His comments at FIBAC 2026 came at a time when the share of credit to GDP remains modest even as bank books are at their healthiest.

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AI · summaries

timesofindia.indiatimes.comStai leggendo13 h fa

AI can do to lending, what UPI did to payments: RBI governor Sanjay Malhotra

RBI proposes AI expand credit to gig workers using alternative data (GST, cash flows), reducing costs from 47-49%. India's unified infrastructure (Aadhaar, UPI, Account Aggregator) creates AI moat—signaling credit decisioning and compliance as critical.

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martedì 11 agosto 2026·economictimes.indiatimes.com
RBI Governor Malhotra outlines which Indian banks will win the AI era
RBI Governor Sanjay Malhotra said banks that succeed in the AI era will be those that understand the technology they deploy and maintain clear accountability for its outcomes,…
martedì 11 agosto 2026·economictimes.indiatimes.com
AI in banking must move beyond retail to farms, MSMEs: SBI Chairman Setty
In a recent statement, CS Setty, Chairman of the State Bank of India, underscored AI's transformative potential for the Indian banking sector. He asserted that widening credit…

AI can do to lending, what UPI did to payments: RBI governor Sanjay Malhotra

Confronto fonti

AI can do to lending, what UPI did to payments: RBI governor Sanjay Malhotra

Timeline cronologica

RBI Governor Malhotra outlines which Indian banks will win the AI era

AI in banking must move beyond retail to farms, MSMEs: SBI Chairman Setty

RBI Governor lists 5 ways AI can transform credit, services, inclusion & fraud detection in banking

RBI chief urges lenders to accelerate AI spend

India’s central bank wants AI to approve loans that humans would reject

Main risk of AI is erosion of human judgment: RBI Governor

How RBI is helping banks combat digital payment fraud

RBI chief urges lenders to accelerate AI spend

AI can bring to lending, what UPI did to payments: RBI governor

How RBI is helping banks combat digital payment fraud

SBI chairman says that AI is helping boost farm loan decisions

AI in this decade is what digitsation was in the last: RBI governor

RBI wants AI to be responsibly harnessed; not to be seen as a risk: Sanjay Malhotra

RBI Governor lists 5 ways AI can transform credit, services, inclusion & fraud detection in banking

RBI guv asks banks to build meaningful human oversight, says blaming technology is 'unacceptable'

AI can transform banking, but data, privacy, governance remain key challenges: CEOs

Main risk of AI is erosion of human judgment: RBI Governor

India’s central bank wants AI to approve loans that humans would reject

AI can do to lending, what UPI did to payments: RBI governor Sanjay Malhotra

Next wave of AI-led banking must help rural India, says Setty

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