Reimagining Banking with Secure AI: Data Democratization and Federated Intelligence

About the Session

The integration of artificial intelligence (AI) into banking is reshaping financial services, emphasizing not larger models but smarter, secure, and adaptable architectures. This paper explores how data democratization, enabled through metadata management, policy-based access, data masking, and federated governance, can empower stakeholders while maintaining compliance. Drawing on case studies from fintech leaders like SoFi and Affirm, we examine the role of modular, domain-driven architectures and micro Language Learning Models (LLMs) in delivering personalized, transparent, and efficient banking solutions. Furthermore, federated architectures facilitate collaborative machine learning without compromising data privacy, fostering trust and scalability. This article argues that an architecture-first approach, grounded in secure and federated AI systems, will redefine modern banking by optimizing processes and enhancing customer experiences

Speaker

Ohm Hareesh Kundurthy

Director, Application Development, Santander Bank