Writing on agentic AI for regulated enterprises
Market thesis, regulatory context, philosophy of safe automation, and the India-context reasoning behind much of what Vihaya is building. Practical, opinionated, and written for the buyer side of the table.
Why now is the inflection point for agentic AI in Indian BFSI
Three forces — DPDP, the 2023 RBI outsourcing direction, and foundation-model maturity — converged in the last 18 months. The window for incumbents to move first is open and narrowing.
What changes after DPDP for enterprise AI
Penalties of up to ₹250 crore don't just change the budget for a breach — they change which AI projects make it past the legal review. Walking through what DPDP makes harder, easier, and impossible.
Where the manual cost in claim adjudication actually sits
The line-item every health insurance COO reads on a Monday morning. Reviewer hours per case, the appeal-rate tax, the documentation-shortfall denials. What gets cheaper, and what doesn't, when AI handles the front pass.
Against 100% automation
Every AI vendor pitches it. Every responsible enterprise should refuse it. The case for confidence-floor escalation as a design constraint, not a quality-of-life feature.
What RBI examiners actually ask for when reviewing an AI decision
Pulled from public examiner notes, secondary reporting on bank CISO concerns, and the language inside the 2023 Master Direction. The questions you have to be able to answer in 60 seconds without opening a model.
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