EASE 9.0.
An operating perspective for CIOs, CROs and transformation leaders. Sixteen categories on what the Reserve Bank's scorecard rewards once AI agents run the decisions behind it.
Accelerating EASE with AI Agents.
All sixteen EASE 9.0 categories, the four foundations that unblock them, and how AI agents apply to each — with cited sources, not vendor claims. 27 pages, built for a board conversation.
The R.I.S.E. Framework
Four interconnected pillars that define PSU banking excellence in the EASE 9.0 era.
Risk & Resilience
Foundation. Credit decisioning at scale. Real-time governance. Trusted data as prerequisite for everything built above.
Innovation
Differentiator. AI and agents as the decision-making capability. Process re-engineering. New channels and reimagined models.
Socio-Economic Impact
Mandate. Financial inclusion. Sustainability. Empowering emerging segments. Banking with social purpose.
Excellence
Outcome. Growth in advances and deposits. Cost optimization. Superior customer experience and retention.
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Explore All 16 Categories
Deep-dive into each EASE 9.0 category and how AI agents enable transformation. All sixteen are covered in depth below and in the free guide above.
I. Risk & Resilience
Old Banking or New Banking
The choice was never speed versus safety. Real-time decisioning is already cutting days to hours at PSU banks.
RBI Stopped India’s Biggest Card Issuer Cold for Eight Months
Repeated outages, then an eight-month RBI freeze on every new HDFC Bank credit card.
What the Agent Can’t See, It Declines
RBI's new data-governance draft requires a named, CGM-rank owner for exactly this problem.
Fewer Frauds, Bigger Ones
RBI's own FY2025–26 numbers: cases nearly halved, value hit a three-year high of ₹48,021 crore.
II. Innovation
A Model Scores. An Agent Decides.
RBI's own MuleHunter.AI already runs the agent side of that distinction, in production.
The Delay Was Architecture, Not People
Collapsing five desks into one pass at a PSU bank surfaced approvals that used to fall through the cracks.
Built Once, or Bought Four Times
A PSU bank opened the first PSU-bank GCC in Bengaluru in January 2026. The talent math is harder than the real-estate math.
A Batch File Is Not an Integration
A PSU bank is already live on India's Account Aggregator network, both sides.
III. Socio-Economic Impact
Invisible to the Model, Not the Market
Swiggy disbursed ₹102 crore to delivery partners on alternative-signal underwriting alone.
Collateral Was Never the Real Signal
PNB is the first PSU bank live on GST Sahay, financing invoices in real time off GST data.
Everyone Can Pay. Few Can Explain Why.
27% adult financial literacy against near-universal UPI access. The gap moved from access to comprehension.
A Green Book No One Can Prove Is Green
The ECB's first climate-risk fine wasn't for bad lending. It was for a 65-day-late answer.
IV. Excellence
The Same AI That Wins a Deposit Can Walk It Out the Door
A 3× cross-sell lift at salary credit, and the deposit-side risk racing toward every bank.
Savings a Market Competes Away
Central Bank of India's stressed-account ratio fell from 8% to 3% after adopting AI-driven collections.
Five Days by Phone, Instant by App
26% offer uptake versus a 6–8% baseline, at a PSU bank. This already happened.
RBI Already Wrote the Governance Framework
Seven Sutras, 26 recommendations — FREE-AI already applies to every RBI-regulated entity.