Inside HDFC Bank’s big AI bet: Why India’s largest private lender is betting on infrastructure over features
Most banks talk about digital transformation as a work in progress — a multi-year effort to coax customers away from branches and call centers. HDFC Bank’s FY2025-26 Integrated Annual Report suggests that fight is essentially finished. Digital already accounts for 98% of financial transactions. Personal loans are 99% digitally originated. The Bank’s “HDFC Bank ONE” platform logs more than 49 million monthly engagements.
That changes the nature of the problem the Bank is actually solving. A challenger bank or fintech is still fighting to digitize the front door. HDFC Bank’s constraint has moved further back in the pipeline — into underwriting, document verification, dispute resolution, and trade settlement, where a digital transaction still hands off to manual work. The strategic question isn’t “how do we get customers online” anymore. It’s “how much of what happens after that click can be compressed, and how fast.”
That’s the real subject of this...
Copyright of this story solely belongs to expresscomputer.in. To see the full text click HERE
