Two Guys Enhancing Online Net Banking For Millions Of Indians With IBM

Ketaki Joshi
March 31, 2021
Two Guys Enhancing Online Net Banking For Millions Of Indians With IBM
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Not long ago, banking was synonymous with long queues, pass book entries, cashier tokens, bored security guards and woefully ineffective air conditioning. Many would argue that it’s still the case, especially for the last two points, but there is no doubt that banks are rapidly modernizing behind-the-scenes.

An example of this would be ICICI Bank’s “fully digital banking” adverts -- which I endured during the recent India vs England cricket series on Disney+ Hotstar. Everything from opening a bank account, applying for a credit card, submitting KYC documents, and meeting bank executives -- all done online, through the smartphone app no less. Sounds too good to be true?

Deekshith Marla and Afaq Hussain don’t think so. In fact, in many ways, they are the joint architects of the silent technological upheaval happening inside some of India’s largest banks.

AI makes everything better

Deekshith Marla is the Co-Founder & CTO of, Mumbai-based startup that builds AI applications with deep learning algorithms to automate and speed up a lot of tasks in any process, while Afaq Hussain is the President of Global Strategic Alliances and Enterprise Business at Intense Technologies Ltd, which designs and builds enterprise software suites and applications for some of the largest companies in India and the world. Both of them are ISVs (independent software vendors) that are intimately involved in India’s banking and finance sector, not at all surprised by the incoming digital banking wave.

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