The Financial OS of the Future: Modular, Open, and Intelligent
Banking is no longer just digitizing. It’s rebuilding its operating system.
In this deep-dive session at the Bharat Fintech Summit 2026, Ramesh Laxminarayan, CIO & Group Head – Tech & Digital, HDFC Bank, explores how financial institutions are moving from legacy cores to composable, AI-native architectures designed for scale and speed.
This isn’t incremental modernization. It’s structural reinvention.
- Inside the conversation:
- The shift from monolithic core systems to API-first, modular financial stacks
- Embedding AI across layers from underwriting and fraud to hyper-personalized CX
- Open banking evolving into “open everything” ecosystems
- Designing interoperable, self-evolving systems for borderless finance
- Why architecture is now a strategic leadership decision not just a tech upgrade
If you’re building the next generation of financial infrastructure, this session maps the blueprint for an intelligent financial OS.
