AI FinEdge Digest | Fractal Analytics

Dec 18, 2025

AI FinEdge Digest

Unpacking the trends shaping tomorrow’s financial enterprise through the power of AI.

As the financial services ecosystem evolves at unprecedented speed, AI-powered decisioning is becoming the cornerstone of competitive advantage. In this issue, we bring you Fractal’s most compelling stories and perspectives from across banking, insurance, and finance, designed to inspire, inform, and empower your transformation journey.

EXCLUSIVE INTERVIEWS

AI isn't winner-takes-all

In today’s fast-moving AI world, the noise is deafening. OpenAI boasts hundreds of millions of users, Microsoft processes trillions of tokens, Google pushes AI-driven products, and Meta reaches billions through its platforms. But who’s really winning, and how should enterprises, startups, and nations position themselves?

To explore this, Srikanth Velamakanni, Group Chief Executive and Vice-Chairman of Fractal, spoke with Aamod Sathe, Director of Data Science, Enterprise Products at Meta. Their wide-ranging conversation covers the AI race, the limits of reasoning models, India’s role in the ecosystem, the future of data science careers, and why reinvention is the ultimate skill in the AI era.

Driving change in a defining era

The automotive industry stands at a defining crossroads. Global trade dynamics, labor constraints, and supply chain disruptions continue to test resilience, while rapid technological advances in vehicle-to-everything (V2X) connectivity and autonomous driving are reshaping the competitive landscape.

We sat down with two distinguished leaders to explore how the sector can chart its course through disruption and opportunity. Pranay Agrawal, CEO of Fractal, and Jan Carlson, Chairman of the Board at Ericsson and Autoliv and Board Member at Volvo, share their perspectives on navigating uncertainty, leveraging the AI revolution, and reimagining the future of mobility. Their insights illuminate the pathways forward for an industry on the brink of reinvention.

Insights

Driving growth and efficiency in financial services with next-gen data architectures

In a data-driven world, architecture defines agility. This paper explores how Medallion, Data Warehouse, and Data Mesh models shape modern data ecosystems, and how Fractal’s accelerators enhance their delivery, governance, and AI-readiness.

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Can client onboarding be re-imagined with Agentic AI?

Client onboarding is often misunderstood as an operational workflow. In reality, it is one of the most consequential levers in institutional banking, directly shaping how risk is managed, revenue is generated, and client relationships are established. 

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Compliance in wealth management: Stuck in manual, ready for Agentic AI

Asset and wealth managers don’t just sell performance; they sell trust. And compliance is the scaffolding that holds that trust up. It safeguards investors. It keeps marketing fair and clear. It ensures advice aligns with client interests. And it provides the proof that regulators and auditors’ demand.

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Closing the reconciliation Gaps: How Agentic AI transforms legacy workflows

Reconciliation, matching records of cash, assets, and loans across internal systems and external sources, remains one of the most persistent and costly operational hurdles in the industry. The question is: why do these breaks persist in an era of advanced technology?

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Agentic AI in finance: A CXO’s guide to what’s next

The distinction between traditional automation and agentic AI lies in the latter's ability to execute complex tasks with autonomy, reasoning, and adaptability. Financial institutions adopting mature autonomous AI solutions have reported improvements in operational cost reduction, process accuracy, market responsiveness, and customer satisfaction.