‘Banks require a scalable, secure and compliant AI’: Subhatra Srinivasaraghavan, vice-president at IBM India Systems Development Lab

With Unified Payments Interface (UPI) processing over 228 billion transactions in 2025 (more than 21 billion in December alone), real-time digital payments have reached a scale where infrastructure failures are no longer isolated IT incidents but national-level risks. As transaction volumes surge, banks need resilient and intelligence-ready infrastructure that can secure every transaction and safeguard against evolving cyber threats. “Modern banking systems must be engineered for continuous availability and cryptographic assurance by design,