From AI pilots to autonomous lending: Inside L&T Finance’s enterprise AI journey
In an exclusive interaction with Express Computer, Dr. Debarag Banerjee, Chief AI & Data Officer, L&T Finance discusses how L&T Finance is building an AI-native lending organisation, the principles behind its flagship AI platforms, and why the future of financial services will increasingly be driven by autonomous, yet responsibly governed, AI systems. Dr. Banerjee also highlights how the company has embedded AI across the lending lifecycle, from underwriting and portfolio monitoring to customer engagement and collections, while delivering measurable improvements in credit quality, operational efficiency, and financial inclusion.
Artificial Intelligence (AI) is rapidly becoming the defining competitive advantage in financial services, but only a handful of organisations have successfully moved beyond isolated pilots to enterprise-wide transformation. L&T Finance is among those leading the shift. In fact, AI has moved well beyond experimentation at L&T Finance. Rather than viewing AI as another layer of automation, the company has positioned it as...
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