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India 2035 - decoded for BFSI and Manufacturing.
BFSI
The Future of BFSI is Intelligent, Secure and Always-On
Kyndryl works at the intersection of mission-critical infrastructure, intelligent automation, and industry-grade security to help BFSI organisations build the resilient, scalable foundations required for the next decade of growth.
Financial institutions are under pressure to modernise faster than ever- driven by regulatory complexity, rising cyber risk, legacy core systems, fragmented data, and new expectations shaped by digital-first consumers.
Kyndryl works at the intersection of mission-critical infrastructure, intelligent automation, and industry-grade security to help BFSI organisations build the resilient, scalable foundations required for the next decade of growth.
Where Kyndryl Creates Impact
Core banking and insurance platforms must evolve without disrupting uptime.
Kyndryl specialises in zero-downtime migrations, core system renewal, mainframe modernisation, and hybrid-cloud architectures that allow institutions to innovate while running reliably at scale.The BFSI threat landscape is widening—fraud, identity theft, cyberattacks, and regulatory audits demand stronger controls.
Kyndryl strengthens the enterprise with:-
Real-time intelligence across risk and fraud pipelines
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Automated governance and regulatory reporting
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Secure-by-design architectures
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Always-on cyber recovery and resiliency practices
Our outcomes: lower operational risk, faster compliance, and improved audit readiness.
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Institutions hold massive customer, transaction, and risk datasets—yet most systems are siloed and under-utilised.
Kyndryl builds the data foundations banks and insurers need to operate intelligently:-
Unified and governed data layers
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Real-time data integration
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Cloud-native analytics platforms
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AI/ML models for underwriting, credit, fraud, claims, and customer analytics
We make data reliable, accessible, and actionable.
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Customers expect fast, personalised, omnichannel engagement—without compromising security.
Kyndryl enables:-
Digital-first service delivery
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Automated back-office and mid-office workflows
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Intelligent contact centres powered by AI
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Seamless integration across channels, systems, and teams
The result is lower cost-to-serve and higher customer satisfaction.
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Kyndryl designs and runs the mission-critical infrastructure that powers BFSI worldwide.
We help institutions scale with:-
Hybrid and multi-cloud architectures
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High-availability infrastructure
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Disaster recovery and cyber resilience
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Cloud FinOps and operational optimisation
This ensures performance and reliability across every touchpoint—from payments to trading to customer apps.
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The Banking Transformation Story 2035
Imagining the Sentient Bank
Unique Impact Areas across Value Chains
Operating Models across BFSI
Large banks are shifting from channel-led, product-heavy models to an operating model that is real-time, AI-assisted, and ecosystem-connected. The goal is simple: frictionless onboarding, instant decisioning, and always-on risk control at scale.
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AI-powered onboarding & KYC to reduce drop-offs, speed verification, and improve risk screening
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Real-time payments (including cross-border modernisation) to improve speed, traceability, and cost efficiency
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Automated loan origination using alternative and cashflow signals to expand underwriting and accelerate approvals
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Our Latest Thinking
