( Co-authored with Lekha Chakraborty)

As artificial intelligence reshapes financial services—from credit scoring to fraud detection—regulators worldwide are racing to balance innovation with stability, ethics, and inclusion. This global analysis compares key frameworks in Singapore, the European Union, the United Kingdom, and the United States, while highlighting insights from standard-setting …

(Co-authored with Lekha Chakraborty) 

Artificial intelligence (AI) has rapidly become a driving force in the evolution of global and Indian financial services, fundamentally altering how institutions manage risk, optimize operations, and deliver products to consumers. The OECD defines AI as “a machine-based system that, for explicit or implicit objectives, infers, …