Latest opinions that Raktim Singh has shared on Finextra

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Raktim Singh

Senior Industry Principal

Infosys

Member since

07 Nov 2023

Location

Bangalore

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Raktim's opinions

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

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

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

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

How AI is Redefining Financial Infrastructure: From Embedded Lending to Autonomous Finance

🧭 Introduction: From Digital Efficiency to Intelligent Infrastructure We are entering the most transformative decade in financial services since the birth of digital banking. What began as a wave of mobile-first interfaces and API integrations is now evolving into something much deeper—AI-powered infrastructure that can learn, adapt, and reason. A...

06 August 2025 /ai /wholesale

What Are Liquid Neural Networks? The Next Big Leap in Adaptive AI

Liquid Neural Networks: The Next Step in Making AI That Thinks Like a Brain What if AI could keep learning like a human brain, in new conditions even after it was used, deployed & put to use in real life? A Liquid Neural Network (LNN) is a new type of artificial intelligence model that can continuously learn and adapt in real time — even afte...

04 August 2025 /ai

What Is Vibe Coding? A Beginner’s Guide to the Coding Movement You Can’t Ignore

What does it mean to "vibe code"? Why Gen Z Is Changing the Way We Program Programming used to entail spending long hours staring at black-and-white terminals and fixing syntax problems in silence. Now, a new movement called Vibe Coding is changing the way the next generation interacts with code. This isn't simply a cool trend on TikTok. ...

03 August 2025 /ai

What is Green Software Engineering

Introduction to Green Software Engineering Green software engineering is an emerging discipline consisting of best practices to build applications that reduce carbon emissions. The information technology (IT) sector—which includes hardware, software, and communications—holds immense potential to significantly reduce total world emissions, offerin...

20 August 2024 /ai /sustainable Technology for Social Good

Industry cloud platforms: The future of Cloud

Industry cloud platforms (ICP), distinct from general-purpose cloud platforms, are tailored to meet the unique needs of various sectors. Industry clouds are sets of cloud services, integration fabrics, products, and tools that offer sector-specific capabilities while being natively upgraded for cloud platforms and delivered at scale. Industry cl...

09 August 2024 /retail /cloud Technology for Social Good

Intelligent Composable Business in the finance industry

Intelligent Composable Business (ICB) is a powerful tool that empowers financial professionals by breaking down business functions into units that can be easily rearranged or replaced. This modular approach not only allows them to promptly respond to emerging market trends and customer requirements without system overhauls but also gives them a sen...

30 July 2024 /retail /wholesale Technology for Social Good