BoB’s AI expansion opens the door for clearer standards in machine accountability
As Indian banks move beyond digitising transactions to embedding artificial intelligence into customer engagement, risk management and everyday financial decisions, the challenge is no longer simply about deploying new technology. It is about scaling innovation without compromising trust, security or accountability.
In this exclusive interaction with Express Computer, Sanjay Mudaliar, Executive Director, Bank of Baroda, discusses the bank’s digital ambitions with bob World 2.0, the business value emerging from its AI deployments, and the governance challenges of introducing agentic AI into a highly regulated banking environment. He also explains why sustainable AI transformation depends less on individual use cases and more on building the institutional capabilities to turn experimentation into measurable business outcomes.
Bank of Baroda recently launched bob World 2.0, introducing features such as conversational banking, personal financial management and hyper-personalised experiences. Which of these innovations do you believe will have the most meaningful impact on customers, and...
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