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Raktim Singh

Senior Industry Principal
Infosys
Member since
07 Nov 2023
Location
Bangalore
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Followed by John Sims, Martha Boyle and 5 others you follow
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Raktim's opinions

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Raktim Singh

The Future of Finance: How Post-Quantum Cryptography Will Secure Banking and Payments

Quantum computing threatens the cryptography that secures banking, payments, and digital assets. Discover how post-quantum cryptography (PQC) can future-proof financial systems, build customer trust, and prepare institutions for regulatory mandates. Introduction: The Invisible Clock About every generation, financial infrastructure experiences a gen...

27 September 2025 /security /payments

Raktim Singh

Programmable Money and Smart Contracts on Secure Blockchains: The Future of FinTech

Programmable money and smart contracts are reshaping global finance. By combining cryptography, immutability, tokenization, and CBDCs within the emerging Finternet, the financial system is moving from static transactions to secure, programmable, and interoperable value flows — unlocking trillions in new opportunities by 2030. Introduction: The Shi...

22 September 2025 /payments /crypto

Raktim Singh

Human-Centered AI in FinTech: Trust, UX, and Transparency

Discover how ML, deep learning, and generative AI are transforming fintech UX—driving trust, transparency, and adoption across financial products. Introduction Artificial Intelligence (AI) has transitioned from the back-end enabler of financial services to the front end of fintech product interfaces. From robo-advisors to fraud alerts, from conver...

21 September 2025 /ai /retail

Raktim Singh

Graph Neural Networks and GraphRAG: Navigating Open-World Complexity in Finance

Executive Summary Graph Neural Networks (GNNs) and GraphRAG don’t “reason”—they navigate complex, open-world financial graphs with traceable, multi-hop evidence. Here’s why BFSI leaders should embrace graph-native AI now. The majority of AI technologies in finance still interpret the world through the lens of rows and columns. However, money acti...

19 September 2025 /ai

Raktim Singh

Autonomous Finance and Embedded AI: Redefining the Future of Financial Services

Discover how autonomous finance and embedded AI are reshaping banking, from lending to risk management, with seamless, real-time experiences. Introduction In the rapidly changing financial landscape of 2025, two interconnected trends are gaining real traction: autonomous finance and embedded AI. Each independently marks a significant shift. Togethe...

17 September 2025 /ai /retail

Raktim Singh

When Old Models Fail: How NEAT Could Redefine Finance in a Chaotic World Order

With wars, pandemics, and political upheavals reshaping global finance, traditional models fall short. NEAT offers resilience in a world where adaptation is the only survival strategy A World Where Old Models Don’t Work. In a world of active war zones, rising geopolitical tensions, the memory of the recent pandemic, and widespread political disrupt...

16 September 2025 /ai /wholesale

Raktim Singh

From Cold Maths to Reasoning AI: Why Banks Need Machines That Show Their Work

AI in finance is shifting from cold maths to reasoning-native models—systems that explain, verify, and build trust in banking and compliance. For years, artificial intelligence in finance has dazzled us with fluency. Models could summarize reports, draft emails, and even parse regulatory text. But when pushed to reason — to follow a logic chain acr...

06 September 2025 /ai

Raktim Singh

Federated Learning in Finance: How Banks and Fintech Can Build Privacy-Preserving AI

To get started: Data is the New Gold, but Privacy is the Vault! The data, and more specifically, customer data, is everything in finance. Whether you've seen it at a point-of-sale transaction with card swipes, in the granting of repayment with loans, or in transactions that are deemed potentially suspicious, every fraction of a transaction contribu...

02 September 2025 /ai /regulation

Raktim Singh

Quantum Machine Learning and Portfolio Optimization: The Next Frontier of Smart Investing

Introduction: The Portfolio Optimization Process Needs to Be Revamped. For decades, portfolio optimization has been the pinnacle of modern finance. In the 1950s, with the introduction of Harry Markowitz's Modern Portfolio Theory ("MPT"), we learned that investors could balance risk and reward by selecting and mixing assets. Quantitative f...

23 August 2025 /ai /wealth

Raktim Singh

Causal AI: Going Beyond Correlation in Finance

Today, Artificial Intelligence (AI) has become a buzzword across industries. In finance, AI is used to identify fraud, automate lending decisions, predict stock price movements, and, in some cases, optimize portfolios. However, there is a limitation to contemporary AI approaches—they primarily lack a clear basis in causality, instead favouring co...

21 August 2025 /ai /retail

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Raktim writes about

  • artificial intelligence
  • security
  • payments
  • regulation & compliance
  • people
  • wealth management
  • retail banking
  • wholesale banking
  • sustainable
  • cloud
  • financial inclusion
  • cryptocurrency
  • predictions

Raktim's opinion archive

  • 2025 (13)
  • 2024 (32)
  • 2023 (11)

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  • Innovation in Financial Services

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Senior Director IT at Infosys

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Nitesh Nagar

Nitesh Nagar
Principal at Infosys

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Chandramoouli Kundagrami

Chandramoouli Kundagrami
Senior Industry Principal at EdgeVerve Systems Limited

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Chakra Palakollu

Chakra Palakollu
Manager at Infosys

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