Evolution of Indian Banking: Shifting from Generative AI to Agentic AI in Payment Process Automation with 40-50% Semi-Autonomous Flow Adoption

This transcript examines the shift from generative AI to agentic AI in Indian banking, particularly in payment process automation. Private banks like HDFC and ICICI are leading adoption, with 40-50% of payment flows already semi-autonomous. High-impact use cases include fraud detection, reconciliation, and dispute resolution, delivering strong ROI through reduced manual intervention and faster processing. However, adoption is constrained by fragmented data systems, regulatory compliance requirements, and legacy infrastructure, especially in public sector banks, limiting full automation despite strong long-term potential.