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India’s banking ecosystem is entering a defining phase.
After decades of digital transformation, the conversation is moving beyond adoption towards responsible, intelligent and scalable banking-where AI can help institutions lend smarter, manage risk better, strengthen trust and expand access to financial services across Bharat.
The 4th edition of the CNBC-TV18 Banking Transformation Summit, presented by Nucleus Software, brings together senior policymakers, banking leaders, NBFCs, fintech innovators and technology leaders to examine what it will take to scale AI responsibly across India’s financial ecosystem.
Under the theme “Scaling Bharat. Powering Progress. With Responsible AI”, the summit will explore the next generation of lending, responsible fintech, AI-led banking infrastructure, policy, governance and intelligent financial services. From transforming credit access to building trusted AI systems, BTS 4.0 will focus on a central question:
How can India harness the power of AI while keeping trust, transparency and inclusion at the core?
The official agenda places responsible AI, lending transformation, policy, fintech and NBFC innovation at the centre of the evening.
India has already demonstrated the transformative power of population-scale digital infrastructure.
The next frontier is about embedding intelligence across the financial ecosystem-helping institutions make better decisions, deliver more contextual customer experiences, detect risk earlier and extend responsible credit to more individuals and businesses.
But as AI becomes increasingly involved in lending, risk, compliance, fraud management and customer engagement, responsibility cannot be an afterthought.
The future of banking will require institutions to balance:
Innovation with governance
Accelerating AI adoption while ensuring accountability and control.
Speed with trust
Delivering faster financial services without compromising transparency or security.
Intelligence with inclusion
Using AI and data to better understand underserved customers and businesses.
Automation with human judgement
Allowing technology to augment-not replace-responsible decision-making.
Scale with resilience
Building banking platforms capable of supporting the complexity and reach of Bharat.
For over four decades, Nucleus Software has been helping financial institutions transform lending and transaction banking through purpose-built technology and deep domain expertise.
Today, our solutions support 200+ financial institutions across 50+ countries, enabling institutions to modernize complex banking journeys while building for scale, resilience and continuous innovation.
At Banking Transformation Summit 4.0, Nucleus Software will bring its perspective from working across global financial markets and building platforms that sit at the heart of mission-critical banking operations.
Our leadership will explore how AI, modern banking platforms, responsible innovation and human judgement can come together to build the next generation of financial services.
Nucleus Software’s current leadership page confirms Vishnu R. Dusad as Managing Director and Co-founder and Parag Bhise as CEO and Executive Director.

Parag Bhise
CEO and Executive Director,
Nucleus Software
As AI moves deeper into financial decision-making, the opportunity is no longer simply to digitize banking-it is to make banking more intelligent, responsive and trusted.
In his opening note, Parag Bhise will set the context for the evening and share Nucleus Software’s perspective on how responsible technology can help financial institutions innovate at scale while keeping resilience, customer trust and business outcomes at the centre.
The event agenda lists his opening note immediately following CNBC-TV18’s welcome address. The event agenda lists his opening note immediately following CNBC-TV18’s welcome address.

Vishnu R. Dusad
MD & Co-founder,
Nucleus Software
In conversation with Ritu Singh, CNBC-TV18
What does it take to build a bank that is not simply digital, but intelligent by design?
In this spotlight conversation, Vishnu R. Dusad will explore how AI, automation, modern technology architecture and decades of banking-domain expertise can come together to build financial institutions that are agile, scalable and trusted.
The conversation will look beyond individual AI use cases to the larger question of how banks can build an intelligent banking stack capable of supporting the next phase of India’s financial growth.
The spotlight interview and moderator are listed in the official agenda.

Shri. Shirish Chandra Murmu
Deputy Governor, RBI | 5:20 PM
As AI becomes integral to banking, the focus is shifting from experimentation and adoption towards responsible deployment.
The keynote will examine how responsible innovation, governance, resilience and customer trust can help define the next era of Indian banking.
Banking Panel
How can banks harness technology and intelligence to expand credit while strengthening risk management and customer outcomes?
Featuring leaders from State Bank of India, IndusInd Bank, Punjab National Bank and AU Small Finance Bank, moderated by Latha Venkatesh, CNBC-TV18.
Fireside Chat
A conversation on the intersection of AI, banking transformation and policy as India builds a trusted framework for the next era of financial innovation.
By Shereen Bhan, CNBC-TV18.
Fintech Panel
As fintech moves deeper into India’s financial ecosystem, how can innovation, compliance and customer trust progress together?
The discussion brings together leaders from NPCI, PayU, Cashfree Payments and CRED, moderated by Ritu Singh, CNBC-TV18.
NBFC Panel
Technology is transforming how NBFCs originate, assess, service and manage credit.
This discussion will explore how AI-led intelligence and digital operating models can enable NBFCs to scale responsibly while maintaining the trust and flexibility that define the sector.
The agenda features leaders from Navi Finserv, L&T Finance, Poonawalla Fincorp, Hero FinCorp and Piramal Finance, moderated by Prashant Nair, CNBC-TV18.
Vision for Responsible AI, Resilient Banking
By Shri. Shirish Chandra Murmu, Deputy Governor, RBI
Credit Redrawn: Lending Smarter, Faster Across Bharat
Panellists:
Moderator: Ms. Latha Venkatesh, CNBC-TV18
By Ms. Shereen Bhan & Mr. Vishnu R. Dusad
6:30 PM
Fireside Chat
AI-Powered Ambitions: Banking on Policy
By Ms. Shereen Bhan, CNBC-TV18
6:45 PM
Fintech Panel
AI, Compliance & Growth: Responsible Fintech for Bharat
Panellists:
Moderator: Ms. Ritu Singh, CNBC-TV18
7:10 PM
Spotlight Interview
Building the Intelligent Banking Stack
By Mr. Vishnu R. Dusad, MD & Co-Founder, Nucleus Software
NBFC Redrawn: Intelligent by Design, Trusted by Bharat
Panellists:
Moderator: Mr. Prashant Nair, CNBC-TV18

Vishnu R. Dusad
MD & Co-Founder,
Nucleus Software

Parag Bhise
CEO & Executive Director,
Nucleus Software

Ashwini Kumar Tewari
MD, SBI Bank

Ashok Chandra
MD & CEO, PNB

Sanjay Agarwal
Founder, MD & CEO, AU Small
Finance Bank

Sohini Rajola
Executive Director, NPCI

Anirban Mukherjee
Global CEO, PayU

Miten Sampat
Interim CEO, CRED

Abhishek Dwivedi
MD & CEO,
Navi Finserv Limited

Sudipta Roy
MD & CEO,
L&T Finance

Arvind Kapil
MD & CEO,
Poonawalla Fincorp

Abhimanyu Munjal
MD & CEO, Hero FinCorp

Jairam Sridharan
MD & CEO,
Piramal Finance

Keki M. Mistry
Non-Executive (Non-Independent) Director, HDFC Bank

Shri M. Nagaraju
Former Secretary, Department of Financial Services

Rajiv Anand
MD & CEO,
IndusInd Bank

Akash Sinha
Co-Founder & CEO, Cashfree Payments


















Join some of India’s leading voices from banking, regulation, NBFCs, fintech and technology as they explore how responsible AI can power the next chapter of financial growth.
Scale Intelligence. Strengthen Trust. Power Bharat Forward.














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