Artificial Intelligence – Is it still a blue ocean?
AI adoption has transitioned from a niche strategy employed by tech-forward companies to a mainstream consideration for businesses across industries.

AI adoption has transitioned from a niche strategy employed by tech-forward companies to a mainstream consideration for businesses across industries.
In this interview as part of ETCIO LeaderSpeak, Zak Murad, CIO and CTO of CRISIL, explains the rational behind innovation at CRISIL
India’s UPI system, developed by the National Payments Corporation of India (NPCI), has revolutionized domestic payments. In December 2024, UPI recorded 16.73 billion transactions (Source: NPCI), becoming the backbone of peer-to-peer (P2P) and merchant transactions alike. Its open architecture, interoperability, and seamless user experience have democratized payments, encouraging adoption among small merchants and rural users.
Today, artificial intelligence (AI) and advanced data analytics are reshaping every aspect of retail operations. AI, particularly its latest iteration, generative AI (GenAI), is revolutionizing how retailers interact with consumers while adapting to individual shopping behaviours with the highest level of precision.
Panel Discussion- Securing the digital present and future 1
Concluding Thoughts- Editor's Address
Brand Connect Initiative
Brand Connect Initiative
Recognizing the vital role of Chief Digital Officers, ETCIO recently hosted its inaugural CDO Conclave 2024. This event aimed to foster a confidential executive community for CDOs, encouraging the exchange of best practices, insights, and successes.
In an interview with ETCIO, Shalini Warrier, Executive Director, Federal Bank shares how their Digital CoE fosters a multi-disciplinary approach to banking, how it works together with the business to identify new opportunities, tenets of a bank-fintech partnership and how technology is at the fulcrum of every banking innovation.
Tune in to this exclusive interaction between Kyndryl & ETCIO, at the Kyndryl Experience Center in Bengaluru for expert insights on the latest in the AI Landscape.