As digital technologies like AI, ML, and predictive analytics transform finance globally, India is rapidly evolving with innovative, intelligent automation. Leading this shift is BCT Digital, creating AI-first solutions tailored to India’s unique financial challenges. Rajeev Ranjan, Editor of Digital Terminal, speaks exclusively with Jaya Vaidhyanathan, CEO of BCT Digital, on how emerging tech, fintech and regtech innovations, and platforms like rt360 are driving India’s digital transformation and reshaping risk management.
Rajeev: How do you view the role of emerging technologies like AI, ML, and predictive analytics in accelerating India’s digital transformation, particularly in the financial sector?
Jaya: AI, ML, and predictive analytics are driving a seismic shift—fueling real-time, insight-led decisions, enhancing fraud detection capabilities, enabling smarter regulatory compliance, and unlocking new levels of operational efficiency. What was once considered auxiliary is now core to strategy.
Predictive analytics is equipping financial institutions with the foresight to anticipate market shifts and customer needs. At the same time, AI and ML are fundamentally transforming credit risk frameworks—ushering in more inclusive, data-backed lending models that are bridging access to capital like never before.
In a rapidly evolving ecosystem, where regulatory complexity and customer expectations continue to grow, institutions that harness the power of data and intelligent automation will lead. The shift from intuition to intelligence isn’t just underway—it’s accelerating.
Rajeev: India has seen a massive surge in FinTech and RegTech innovation over the past few years. From your vantage point, what are some of the most disruptive solutions transforming the way financial institutions manage risk and compliance today?
Jaya: We’re seeing a decisive shift toward intelligent, real-time decision-making. AI-driven early warning systems, dynamic credit risk models, and real-time regulatory reporting tools are enabling financial institutions to anticipate risk, rather than simply report it. This evolution marks a move from retrospective compliance to predictive analysis and preventive action.
API-ready RegTech platforms are redefining agility—offering seamless integration, real-time surveillance, and automated compliance that reduces complexity while boosting responsiveness. Meanwhile, technologies like natural language processing and advanced analytics are demystifying regulation, enabling faster, more accurate interpretation and operationalisation of evolving mandates.
What’s most compelling is how these technologies are unlocking strategic value. Risk and compliance are no longer just about meeting regulatory checkboxes—they’re becoming key drivers of competitive advantage. Institutions that can harness the power of regulatory and transactional data are not only audit-ready—they’re better equipped to build trust, act with agility, and scale with confidence in a fast-changing financial ecosystem.
For instance, a lender who can predict bad loans early on, actually makes more money through reduced provisions. The future of financial services will be shaped by those who see compliance not as a constraint, but as a catalyst for innovation and growth. Thereby delivering business value, rather than mere compliance as the benefit from tech.
Rajeev: BCT Digital’s rt360 platform has made a significant impact in risk management. Could you share how indigenous tech like rt360 is solving uniquely Indian challenges in banking, and how it compares with global solutions?
Jaya: India’s financial ecosystem presents a complex interplay of scale, regulatory intensity, demographic diversity, and rapidly shifting risk dynamics. At BCT Digital, we recognized early on that addressing these challenges would require more than just adapting global solutions—it demanded building something ground-up, with deep contextual relevance and global-grade performance. That’s the vision behind rt360.
We were among the first to respond when India’s NPA levels surged to 7.48% in FY16. What began as a compliance solution aligned to the RBI’s initial move to stem the bad loan situation in big ticket corporate loans has now scaled to include multiple portfolios down to the smallest microloans, as well as frauds of other nature including money mules staff fraud etc.
Today, rt360 monitors over USD 350 billion in assets, delivering savings of at least USD 500 million per bank annually—a testament to the value of timely, intelligent risk insights in preventing slippages and strengthening balance sheets.
Our commitment to innovation also led us to develop India’s AI-first, real-time fraud monitoring system. In partnership with a leading bank, we participated in the RBI’s fourth Regulatory Sandbox cohort focused on fraud prevention. rt360’s Real-Time Monitoring System was one of the selected solutions—an endorsement of both the technology and the outcomes it enables.
At another bank where the rt360 Real-Time Monitoring is live, it monitors over 1.7 million accounts, processing 1.5 lakh data points daily, and over 8 million data points monthly. The platform generates more than 2,000 alerts and 25,000 notifications, enabling precision monitoring and proactive interventions. Over a two-year period, the bank reported savings of significant savings driven by our intelligent credit monitoring, automation, and a 360-degree view of each customer’s financial behaviour and risk profile.
Looking ahead, we see risk management expanding beyond traditional boundaries. With regulatory focus intensifying around areas like Model Risk Management, Climate Risk, and ESG, rt360 is already ahead of the curve. Our AI-first suites in ESG Monitoring, Climate Risk, and GRC are designed to help institutions not only comply but lead in the new era of responsible finance and resilience
In comparison to global solutions, rt360 combines enterprise-grade scalability with agility, faster implementation, and deep regulatory alignment—delivering the best of both worlds. It’s not just indigenous—it’s globally competitive, built to solve India’s toughest problems, and ready to scale anywhere.
Rajeev: You’ve had a remarkable journey across Wall Street, leading global firms, and now building cutting-edge platforms in India. How has your international experience influenced your approach to developing scalable, future-ready digital products for Indian and global markets?
Jaya: My international experience across Wall Street and global technology hubs, has significantly shaped my approach to building scalable, future-ready platforms. Working with global financial institutions taught me the importance of architectural robustness, regulatory foresight, and scalability. In contrast, India presents an unparalleled opportunity - a mobile-first population, progressive digital public infrastructure, and a market ready to leapfrog legacy systems.
Bridging these two worlds influences everything we do at BCT Digital - from designing modular, cloud-native, AI-enabled platforms to prioritizing innovation that drives real business outcomes and regulatory resilience.
At BCT Digital, we are not just building products, we’re engineering trust for the future of financial services. Whether it's our early warning systems for banking or our ESG and RegTech solutions, the mission remains clear: to deliver scalable, secure and globally benchmarked platforms that are deeply relevant to the needs of modern financial ecosystems.
Rajeev: With ESG and climate risk gaining global attention, how is BCT Digital integrating sustainability into its technology roadmap, and what role do you see for Indian companies in this space?
Jaya: At BCT Digital, sustainability is not just a goal, it is a strategic imperative. With ESG and climate risk taking centre stage in global business agendas, we are embedding these principles deeply into our technology roadmap through purposeful, forward-looking innovation.
Our platforms are being enhanced to integrate climate-related financial risks, empowering banks and financial institutions to model, monitor, and mitigate their exposures in line with evolving regulatory mandates. We are also leveraging AI and advanced analytics to extract actionable ESG insights from large, unstructured datasets, enabling organisations to shift from regulatory compliance towards genuine sustainability leadership.
At BCT Digital, we are committed to developing solutions that are not only innovative but also responsible - recognising that integration of ESG principles is essential to building resilience, ensuring relevance, and securing long-term business success.
Rajeev: India is fast emerging as a global tech hub. In your view, how are companies like BCT Digital contributing to India’s image as a provider of innovative, enterprise-grade solutions on the world stage?
Jaya: India is rapidly emerging as a global leader in technology, and technology-driven companies are driving this transformation with cutting-edge, enterprise-grade solutions.
We harness next-generation technologies like AI, ML, cloud computing, and advanced data analytics to solve complex, real-world business challenges in risk management, fintech, and regulatory compliance.
Our platforms are designed to be highly scalable, secure, and adaptable to global standards, enabling enterprises to operate with greater agility, efficiency, and regulatory readiness. Through constant innovation and a commitment to delivering globally relevant solutions, BCT Digital exemplifies how India can lead the next era of digital enterprise.
We combine India’s strengths in talent and scalability with world-class technology to position India as a trusted partner for global enterprises.
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