Engineering Trust at Scale: Inside Kotak Mahindra Bank’s Bet on Deep Engineering and AI
Every large bank today faces a version of the same paradox: the pace of technological change is accelerating, yet the systems that move customers’ money — the ledgers, the payment rails, the loan books — cannot afford to break. Move too cautiously, and a bank cedes ground to nimbler fintechs and AI-native competitors. Move too fast, and it risks the one asset banking cannot survive without: trust.
Kotak Mahindra Bank’s answer has been to treat technology not as a support function but as a core engineering discipline, built the way the world’s best technology companies build — with deep in-house talent, durable platforms, and a disciplined approach to legacy modernization. Three years into that journey, the bank is now layering a sovereign, governed AI capability on top of that foundation, with early results that span frontline service, credit analysis, and document processing.
In a wide-ranging conversation, Nilesh Chaudhari, CTO of...
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