Financial services and insurance are evolving at an unprecedented speed with the advances in AI. In this episode of Not Just AI, Ramnik Bajaj, Chief Data, Analytics & AI Officer at USAA, sits down with Pranay Agrawal, CEO and Co-founder of Fractal, to explore why property and casualty insurance is fundamentally an unstructured data business and how generative and agentic AI can drive major gains in claims processing, underwriting, risk management, and member experience.

They also dive into what it takes to turn experimentation into enterprise impact, including a unified data layer, a rigorous intake and prioritization model based on business value and feasibility, fast payback deployment expectations, and governance that includes legal, risk, compliance, and ethics with an emphasis on opt in choices, transparency, and minimizing sensitive data exposure.

#UnstructuredData #PranayAgrawal #RamnikBajaj #ResponsibleAI #InsuranceAI

In this episode of Not Just AI, Fractal CEO Pranay Agrawal sits down with two pioneers who helped shape modern AI: Siri co-founder and inventor Tom Gruber and probabilistic programming pioneer Ben Vigoda.

Tom shares the origin story of Siri at the dawn of the mobile era, how it worked before deep learning, and why breakthrough products come from betting on where technology is headed. Ben traces his journey from early neural network days to building probabilistic computing hardware and creating probabilistic programming to make AI systems more interpretable and data-efficient.

Together, they explore why architecture and inductive bias matter as much as scale, how probabilistic approaches compare with LLMs, and what “humanistic AI” really means in practice. The conversation also tackles transparency, universal access, democratization versus control, AI’s energy footprint, and the emerging social relationship humans are forming with conversational agents, especially in high-stakes areas like mental health.

Telecom is transforming fast, from connecting people to connecting intelligent systems. In this episode, Ulf Ewaldsson, President of Technology at T-Mobile, and Pranay Agrawal, CEO of Fractal Analytics, explore how AI is reshaping the telecom industry, from predictive, self-optimizing networks to human-centered customer experiences.

They discuss what it takes to move from Telco to TechCo, why trust and leadership matter more than technology alone, and how agentic AI could redefine the very nature of connectivity in the 6G era.

 The automotive sector is evolving rapidly. In this episode, Vanessa Thompson speaks with Jan Carlson and Pranay Agrawal about navigating disruption and opportunity in this dynamic landscape. 

AI isn't winner-takes-all, it's a marathon with room for many champions. While Big Tech dominates headlines, the real opportunities lie in solving actual problems with AI, not chasing tech for tech's sake.

India is at a clear advantage with massive digital adoption meets urgent challenges in agriculture, healthcare, infrastructure, and education. The companies that win won't have the fanciest algorithms, they'll have the cleanest data and the fastest path from insight to impact. Moreover, the career playbook is evolving, too.

AI will handle the busywork, but human judgment drives strategy. The future belongs to 'serial experts', professionals who re-skill every few years and stay ahead of the curve. Success comes down to three levers: data quality, talent development, and smart regulation.

Which would you prioritize first?

Watch the video to learn more.