Rebuilding finance from first principles: Aditya Birla Capital’s CTO on AI, architecture, and the road to 2030

Over the last decade, the financial services industry has transformed more rapidly than at any point in its history. But what lies ahead is even more profound.

As financial services enter an AI-first era, technology leaders are being challenged to rethink not just systems, but the very foundations on which they are built. In this wide-ranging conversation, Ramesh Narayanaswamy, Chief Technology Officer, Aditya Birla Capital, shares his perspective on how AI, data, cloud, cyber security, and workforce transformation will redefine financial institutions by 2030. From rebuilding core systems and simplifying customer journeys to embedding governance with empowerment, he outlines why the next decade will be less about incremental upgrades and more about starting from first principles.

How do you envision the financial services landscape in 2030, and what core technologies will reshape how institutions operate?

I often tell people to think in days rather than years. Five ...