Episode Summary

In this episode of AI SuccessFactors, host Samuel Matthew sits down with Pranamika Balaji, Vice President of Data Analytics & AI at Citibank NA, to explore how AI is reshaping the future of community and regional banks. Pranamika breaks down why AI is no longer just an efficiency play but a strategic engine for growth, trust, and financial inclusion. She shares how banks can leverage alternate credit scoring, vernacular conversational AI, and micro-lending automation to unlock underserved markets. The conversation also highlights the data foundations, unified fabrics, and ML Ops capabilities required to operationalize AI responsibly and at scale.

Key Takeaways

• AI enables banks to shift from data silos to shared intelligence for deeper personalization.
• Alternate credit scoring and vernacular AI unlock underbanked and unbanked populations.
• ML Ops accelerates deployment cycles, reducing time-to-market for new credit products.
• GenAI copilots will drive the next wave of relationship-centric banking innovation.

Featuring

Host: Samuel Matthew, AI SuccessFactors Podcast, Host & AI Practitioner
Guest: Pranamika Balaji, VP Data Analytics & AI, Citibank NA

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