This interview explores how Visa’s acquisition of Pismo is shaping the future of digital banking. CEO Vishal Dalai explains that the partnership strengthens innovation, improves global resource access, and helps financial institutions modernize faster through cloud-native core banking solutions. The discussion highlights the shift from outdated legacy systems to flexible API-first architectures, which allow banks to scale operations more efficiently and deliver better customer experiences. The interview also emphasizes that artificial intelligence should be viewed as a tool for optimization and data-driven insights rather than a replacement for banking infrastructure. Additionally, the use of microservices and cloud scalability is presented as essential for building resilient, future-ready financial systems that can adapt quickly to changing market demands and digital transformation trends.