IBS Intelligence Podcasts

As artificial intelligence continues to make waves in the banking sector, this episode dives into how it's reshaping working capital management. We discuss how AI, APIs, and automation are unlocking new efficiencies in liquidity, supply chain resilience, and sustainable finance. The conversation covers AI's transformative role in improving credit scoring, fraud detection, and operational agility. With insights on AI-driven decision-making models, the episode also highlights the balance between speed and responsible risk management. As financial institutions scale globally, the need for innovation and regulatory adaptability becomes even more critical. Discover how AI is not just enhancing but revolutionizing banking and financial services for the future.

In this episode of The Big Interview, Raja Debnath, MD, and Chairperson of Veefin Group, discusses the evolving future of working capital management, where AI and automation are becoming central to financial stability. He highlights how Veefin is leading AI-driven risk control and multi-lender orchestration to transform liquidity management for MSMEs. He also shares key lessons from scaling Veefin across $30bn disbursements and 15+ diverse financial ecosystems, offering insights into legacy modernization, modular architecture, cloud adoption, and effective data strategies.  With an eye on global expansion, Veefin is focused on deepening product innovation and forming strategic partnerships in emerging markets like Africa and Asia. Tune in to discover how AI is reshaping the landscape of working capital finance and driving growth across global financial ecosystems.

Navigating Bank Partnerships - A West Asia FinTech Guide: The latest from IBSi Perspectives, offers a strategic view of how FinTechs must navigate geopolitical uncertainty while strengthening their relationships with Banks in the region. It provides practical insights on how FinTech firms can work with banks, focusing on partnerships, regulatory considerations, and evolving priorities shaping the next phase of banking across the Middle East.

Bhavana Mallesh, Chief Technology Officer and Co-Founder of Gieom Business Solutions Private Ltd. As regulatory expectations shift from periodic compliance to continuous supervision, financial institutions are rethinking how they manage operational resilience, risk governance and regulatory accountability. Against this backdrop, Puja Sharma speaks with Bhavana Mallesh, Chief Technology Officer and Co-Founder of Gieom Business Solutions, about embedding AI-driven intelligence into compliance and resilience frameworks, navigating complex global regulations and emerging RBI guidelines, and how financial institutions can move from reactive, deadline-driven compliance to building transparent, future-ready resilience operating models.

Vaibhav Tambe, Co-founder & CEO, TransBnkWhat happens when money becomes programmable? In this edition of The Big Interview, we spotlight how TransBnk is re-engineering transaction banking from the ground up.Speaking with Co-founder and CEO Vaibhav Tambe, we explore how programmable finance allows businesses to embed logic directly into payments - releasing funds on milestone verification, automating sweeps, and reconciling in real time. The company's recon-first architecture replaces end-of-day processes with continuous, rule-driven matching.We also examine how Escrow-as-a-Service is opening secure, conditional fund flows to MSMEs, startups, and real estate players - capabilities once limited to large corporates. With 220+ clients and 40+ bank integrations, TransBnk is positioning itself as a treasury operating layer, built compliance-first and API-driven.The larger ambition is clear: democratise sophisticated banking infrastructure and make intelligent money movement accessible at scale.

Hari Padmanabhan, Founder – Chairman, UnciaThe discussion moves beyond buzzwords like AI and cloud-native, arguing that most institutions are still in early transformation stages. True AI-driven lending, he suggests, will emerge only when every transaction continuously trains the system. Uncia's Zero Implementation and Self-Serve model challenges traditional, time-heavy deployments - shifting control to institutions through configurable, low-code tools like Uncia Studio.We also explore how the Pay-As-You-Grow model is reshaping cost economics for SME lenders and NBFCs, turning technology from upfront capex into scalable opex.The broader shift? Lending platforms are evolving from static systems into adaptive ecosystems - where cloud, AI, and embedded learning quietly redefine how credit is designed, deployed, and scaled.

Brajesh Khandelwal, EVP and Head – Lending Intellect Consumer Banking, Intellect Design Arena LimitedAs artificial intelligence reshapes the future of lending, financial institutions are rethinking how credit is assessed and delivered across underserved sectors. Against this backdrop, Puja Sharma speaks with Brajesh Khandelwal, EVP and Head – Lending at Intellect Design Arena, about embedding AI at the core of SME and agri lending, unlocking deeper financial inclusion, driving measurable impact through large-scale implementations, and how banks can build intelligent, future-ready lending ecosystems by 2030.

Sundararajan S., Co-Founder and Chief Executive Officer of i-exceed technology solutionsi-exceed explores the future of digital banking through three key pillars: AI-powered personal financial management, real-time risk mitigation, and unified customer profiles. By leveraging predictive AI and low-code platforms like Appzillon, banks can modernize quickly while maintaining transparency, enhancing customer trust, and improving financial wellness. As banks shift from reactive to anticipatory engagement, i-exceed is driving innovation with solutions that balance legacy integration challenges and accelerate digital transformation. With a roadmap focused on next-generation explainable AI and expanded Banking-as-a-Service (BaaS), i-exceed is poised to lead the future of intelligent, customer-first financial services.

Raj MKK, CEO of CreditNirvana.ai, discusses how agentic AI is reshaping the credit and collections cycle by replacing manual, fragmented workflows with autonomous, hyper-personalised recovery processes. Focusing on India and Southeast Asia, he highlights the role of multilingual voice intelligence in overcoming regional language barriers, improving compliance, and enhancing borrower experience. Raj also emphasizes the importance of bounded autonomy and human-in-the-loop governance to ensure trust and oversight in AI systems. As agentic AI evolves, it is transforming lending and collections, enabling real-time data-driven decision-making and integration of ESG factors into credit decisioning.

Ashish Lath, Founder & CEO, SaveSageLoyalty programmes and credit card rewards promise value, but for many consumers, the reality is complexity, fragmentation, and missed opportunities. As digital finance evolves, technology is beginning to change how users track rewards, optimise spending, and make more informed credit decisions.In this episode, Vriti Gothi speaks with Ashish Lath, Founder & CEO of Save Sage, about the biggest challenges consumers face in managing loyalty points and credit benefits, and how AI, automation, and Open Banking are enabling smarter rewards management and credit optimisation. They discuss the role of intelligent tools in improving financial wellbeing, the shift toward unified and interoperable rewards ecosystems, and how companies can balance engagement with ethical design and responsible borrowing. 

Debiprasad Sarangi, Founder and CEO, iServeUFrom soundboxes in small-town kirana stores to APIs running national banks, India's FinTech stack is quietly rewriting how participation scales. Puja Sharma speaks with Debiprasad Sarangi of iServeU, on the infrastructure powering this shift.

Piyush Bagaria, Co-founder, SalarySe Salary-linked finance is reshaping how Indian employers think about retention, responsibility, and financial wellbeing. Puja Sharma speaks with Piyush Bagaria, Co-founder, SalarySe, on how salary-linked finance is pushing financial wellness from the HR desk to the boardroom. 

Kevin Flood, Director of Payments Ecosystem Strategy, FISFor years, banks have been pouring money into app development, yet the next revolution in customer interaction may not happen in an app at all. A global shift is underway towards conversational finance – where relationships begin and end in a message thread. Consumers don't want to download another app, they want to chat, ask and act. Robin Amlôt of IBS Intelligence has been in conversation with Kevin Flood, Director of Payments Ecosystem Strategy at FIS.

Siddharth Ugrankar, CEO & Co-Founder, Qila.ioBlockchain has long been associated with hype and experimentation, but its real value is now emerging in highly regulated environments like banking, insurance, and financial services. As institutions prioritise security, compliance, and transparency, enterprise-grade blockchain is becoming a practical foundation for next-generation financial infrastructure.  In this episode, Vriti Gothi speaks with Siddharth Ugrankar, CEO and Co-Founder of Qila.io, to unpack how blockchain can strengthen trust in banking systems, the role of private blockchains in CBDCs and cross-border settlements, and how tokenisation and smart contracts are reshaping financial markets. They also discuss India's evolving regulatory stance on data localisation and explore real-world use cases where blockchain is already delivering measurable impact across BFSI.

Anar Qasem, Vice President of MENA, Cleareye.aiTrade-based money laundering is how criminals move dirty money across borders disguised as legitimate trade. Banks are spending millions but are still missing most suspicious activities, in part because 80% of global trade operates on open account terms with minimal documentation. So, what can be done? Anar Qasem, Vice President of MENA for Cleareye.ai, discusses solutions with Robin Amlôt of IBS Intelligence. 

Jeeja Gopinath, Managing Director, Zentis AI & Techvantage.aiArtificial Intelligence is moving beyond experimentation to become a core driver of transformation across banking, financial services, and FinTech. But as institutions grapple with legacy systems, regulatory scrutiny, and the need for responsible innovation, translating AI vision into real-world impact remains a challenge.In this episode, Vriti Gothi speaks with Jeeja Gopinath, Managing Director at Zentis AI and Techvantage.ai, about where AI is delivering tangible value today, how financial institutions can move from strategy to execution, and the role of governance in scaling AI responsibly. They explore real-world enterprise use cases, the balance between speed and compliance, and the emerging AI trends shaping the next wave of FinTech innovation.

Veena Nair, Head of Content, Humanity ProtocolHumanity Protocol aims to verify people, not passwords through palm biometrics converted into zero-knowledge proofs so platforms can block bots and fraud while keeping biometric data private and off-chain. It works on a smartphone and is already rolling out to users and enterprise pilots in finance. The firm is backed by Animoca and was most recently valued at over $1 billion. Robin Amlôt of IBS Intelligence speaks to Veena Nair, Head of Content at Humanity Protocol.

Pedro Arnt, Chief Executive Officer, dLocaldLocal simplifies cross-border transactions in emerging markets, connecting global enterprise merchants with billions of emerging market consumers across APAC, the Middle East, Latin America, and Africa. Through the "One dLocal" concept (one direct API, one platform, and one contract), global companies can accept payments, send payouts, and settle funds globally—without the need to manage separate processors or set up local entities of their own. Robin Amlôt of IBS Intelligence speaks to Pedro Arnt, CEO of dLocal.

Prabhakar Reddy, Founder & CEO, OpenFXOpenFX is building a real-time, open and transparent FX network, aiming to solve the last-mile problem in international money movement by using stablecoins as an intermediary – bringing FX transactions kicking and screaming into the 21st century! Robin Amlôt of IBS Intelligence discusses the future of FX, and how spreads and fees are already being compressed, with Prabhakar Reddy, Founder and CEO of OpenFX

Chandrasekhar Somasekhar, Chief Technology Officer, cleareye.aiThe business of trade finance is traditionally exhaustively documented but mix in a large language model (LLM) and that business can suddenly become much less of a challenge for those who must review the documentation. Chandrasekhar Somasekhar is CTO of cleareye.ai and also leads the firm's Product Engineering team. He discusses the adoption and use cases of LLMs in trade finance with Robin Amlôt of IBS Intelligence. 

Mahesh Shukla, Founder & CEO, PayMeIndia's digital lending space is shifting toward trust, compliance, and responsible growth. Puja Sharma speaks with Mahesh Shukla, Founder and CEO of PayMe, on building a sustainable, AI-enabled lending model for Bharat. The conversation unpacks instant credit access, data-driven underwriting beyond CIBIL, and what responsible FinTech scale looks like in 2025.

Casparus Kromhout, Managing Director & CEO, Shriram Life InsuranceLife insurance in India is undergoing a pivotal shift from traditional, agent-driven models to digitally enabled, inclusion-led experiences. Rural and emerging India, once underserved, has now become the next frontier for financial protection and long-term security. In this episode, Vriti Gothi sits down with Casparus Kromhout, MD & CEO at Shriram Life Insurance, to explore how the industry is evolving with technology, simplified onboarding, and trust-driven distribution. They discuss the unique needs of rural India, the rise of digital channels, the role of AI in risk evaluation and customer engagement, and Shriram Life's approach to building accessible financial protection for every Indian household. 

Buddhadeb Das Gupta, EVP & Global Head of Payments & Digital Solutions, Yethi ConsultingIncreasing architectural complexity and ever-changing regulatory demands have left the global payments ecosystem at a critical inflection point. Transformation and compliance are now a matter of business survival. Robin Amlôt of IBS Intelligence talks to Buddhadeb ‘Deb' Das Gupta of Yethi Consulting about the economics of competitive positioning and how to build sustainable competitive advantage.

Mike Walters, Chief Executive Officer, Form3Form3 offers a cloud-native, real-time account-to-account payment platform. Robin Amlôt of IBS Intelligence discusses the recent introduction of verification of payee with Mike Walters, CEO of Form3. What do the new requirements mean for payment services providers (PSPs) and banks, and what does the future hold for FinTechs in payments processing? We also discuss Nationwide's recent ‘strategic' investment in Form3 and what it will enable the company to do.

Kunal Bhasin, Founder & Chief Executive Officer, 1WestSmall businesses in the US now have more choice in financing but closing the lending gap comes at a price. Small loans don't make economic sense to the banks, At the same time bank loans are still taking too long to arrange.  Addressing both those issues allows alternative lenders to carve out a profitable niche and provides SMBs with solutions to their funding needs. Robin Amlôt of IBS Intelligence talks to Kunal Bhasin, Founder and CEO of platform provider 1West. 

Mathangi Sri Ramachandran, Co-Founder & CEO, YuVerse (A Yubi Company)India's AI landscape is entering a golden phase, with enterprises rapidly moving from basic workflow automation to intelligence-driven decisioning across core operations. Against this backdrop, Puja Sharma speaks with Mathangi Sri Ramachandran, Co-Founder & CEO of YuVerse, about building an “Intelligent Core” for enterprises, spanning voice automation, document intelligence, video personalisation, and decisioning at scale for leading banks and regulators, and what responsible, compliant, multilingual AI deployment will mean for the next wave of AI-led enterprise transformation. 

Matt Whetton, CTO, Acquired.comWhat lessons can the US learn from open banking in the UK and Europe? Three areas spring to mind – data privacy, user empowerment and government-industry coordination. The question is how likely is progress in these areas? In the last case, probably none at all (!) with open banking in the US being market driven. Matt Whetton, Chief Technology Officer at Acquired.com discusses open banking with Robin Amlôt of IBS Intelligence.

Robert Mallernee, Chief Executive Officer, Eton SolutionsEton Solutions offers a platform that helps family offices across 15+ countries manage $1 trillion in ultra-high-net-worth family wealth, pulling together investment, accounting, tax, and additional data from countless sources. UHNW families can see their net worth in real time from a mobile app. Robert Mallernee, CEO of Eton Solutions discusses the challenge of building FinTech for the most complex and private clients in the world with Robin Amlôt of IBS Intelligence.

Annemarie Bona & Melissa Stevenson, Product Managers, ION Group If your bank is not ready for the transition to support the new messaging format, the risk is that transactions may get derailed with payments being refused. With the deadline just weeks away, what steps should treasurers put in place, including how to lead on communication with banks and corporates? There is also an opportunity to leverage the ISO project for greater Treasury transformation, including enhanced data analysis and real-time treasury. Robin Amlôt of IBS Intelligence speaks to Melissa Stevenson and Annemarie Bona, both Product Managers at ION Group.

Peter O'Brien, Head of Global Growth+Partnerships, AddeparSome 87% of UK wealth managers believe that AI is crucial to the future of the wealth management industry yet over half believe their current technology systems still need to be upgraded. Alternative investments, from art and wine to vintage cars, are booming, but UK firms are struggling to access and track them. Peter O'Brien, Head of Global Growth+Partnerships, at Addepar speaks to Robin Amlôt of IBS Intelligence about how wealth managers can attract both new clients and young talent, by investing in smarter technology tools.

Max Schertel, Co-Founder & CEO, finmidWhat's next for embedded financing? Business platforms are already emerging as critical providers of capital for their SME clientele – customers who have been traditionally underserved when it comes to funding options. Now, the fastest growing platforms may well be making more money from embedded financial services than from their core business! Max Schertel of embedded finance provider finmid speaks to Robin Amlôt of IBS Intelligence about the business opportunity being created. 

Andrew Bud, Founder & CEO, iProoviProov's threat intelligence research shows an unprecedented escalation in attacks designed to bypass KYC checks across not only neobanks but also banking in generaal, crypto exchanges, e-wallets, and digital payment platforms. Andrew Bud, Founder & CEO of iProov discusses what can be done to block such attacks with Robin Amlôt of IBS Intelligence, explaining how facial biometric verification with certified liveness detection, tied to a government-issued ID, should be a non-negotiable security measure for secure identity verification in financial services. 

Mishal Ruparel, Chief Commercial Officer, Banking CircleUltra high-speed access to global, multi-currency instant payments appears to be the new backbone of payments infrastructure. The aim is to overhaul legacy payments using interoperable APIs. Robin Amlôt of IBS Intelligence speaks to Mishal Ruparel of Banking Circle about next generation banking and the increasing role likely to be played by stablecoins.

Justin Kuruvilla, Chief Cyber Security Strategist, Risk Ledger Justin Kuruvilla is a former UK National Cyber Security Centre (NCSC) advisor and ex-US Department of Defense technical director. He speaks to Robin Amlôt of IBS Intelligence about how cyber operations are evolving in times of geopolitical instability, and the growing risks to both national infrastructure and enterprise supply chains. Most organisations only monitor their first-tier suppliers, but real resilience demands visibility all the way down the chain.

Puja Singh, Chief Executive Officer, Manipal FintechIn this episode, Vriti Gothi sits down with Puja Abhishek Singh, CEO of Manipal Fintech, to discuss how the company is bridging India's credit divide. They explore the role of gold loans in providing quick, reliable access to funds, how AI and technology are transforming onboarding, underwriting, and collections, and the importance of designing customer-centric solutions that reach rural and semi-urban populations. Puja also shares insights from her career across Paytm, Mastercard, SBI Cards, and GE, discussing inclusive leadership, fintech-bank partnerships, and the future of lending in India.

Sameer Mathur, MD and Founder of Roinet SolutionsIndia's financial inclusion landscape is rapidly expanding beyond cities, with technology-driven models bridging access gaps in rural and semi-urban areas. Puja Sharma speaks with Sameer Mathur about how the company is empowering women entrepreneurs, using AI to drive inclusion, and shaping the next phase of digital financial growth across underserved communities. 

Simon Ellis, Head of Operations EMEA, AirwallexGlobal business payments platform Airwallex reported triple digit growth in its UK division, driven by an uplift in the volume and value of deals. Revenue in H1 2025 grew by 109% versus the same period last year. Against that background, Robin Amlôt of IBS Intelligence speaks to Simon Ellis of Airwallex about the prospects for the business, managing regulatory compliance across 60 licences and registrations worldwide, and the challenges of expanding his team with the right talent.

Lionel Grosclaude, CEO, FimeFime provides consulting services and testing services in the areas of payments, smart mobility, and digital identity. According to Fime CEO Lionel Grosclaude, digital identity will help in creating the economic resilience that is needed for the future. He tells Robin Amlôt of IBS Intelligence how digital identity should sit at the heart of payment evolution, offering a faster and more secure way of verifying customers. 

Ed Barrow, Chief Executive Officer, Cloud CapitalThe cost of being on the cloud is rising. It has been suggested that cloud costs are already, on average, the second-largest line item after headcount for FinTechs. Add in the bump up in costs caused by AI adoption and it's easy to see that while CTOs may be happy with their ‘new toys', CFOs could be looking worried. Robin Amlôt of IBS Intelligence discusses the cloud and financial accountability with Ed Barrow, CEO of Cloud Capital. 

Dan Holt, CEO, BillGODespite innovation in real-time rails, US small businesses are still stuck waiting days, or weeks for payments to clear. That delay is more than an inconvenience. It's a cash flow threat that puts jobs and businesses at risk. BillGO CEO Dan Holt explains why simplifying receivables is the next frontier in US B2B payments, how better identity and data infrastructure can accelerate digital adoption, and what banks and FinTechs can do to serve small businesses. 

Simon Jelley, VP&GM Data Protection, ArcteraBanking and financial services are prime targets for cyberattacks – it is going to happen! So, the question you have to answer is what are you going to do to mitigate the risks and ensure a speedy recovery? How should financial organisations best manage data to close any compliance gaps? Simon Jelley of data guardian Arctera discusses the issues with Robin Amlôt of IBS Intelligence.

Nicky Senyard, CEO, Fintel Connect Gen Z trusts creators and niche financial influencers (finfluencers) more than brand ads. Today financial advice is just as likely to come from TikTok or Instagram as it is from a bank. That's not necessarily a bad thing – banks and FinTechs may use affiliate partnerships to reach the Gen Z audience efficiently and compliantly with full-funnel visibility and real trackable performance. Nicky Senyard of partnership solutions provider Fintel Connect speaks to Robin Amlôt of IBS Intelligence. 

Melissa Watras, Director of Product, Trillium SurveyorTrillium Surveyor, a provider of trade surveillance software, signed a deal in May with Blue Ocean Technologies to provide 24/5 trade surveillance to cover overnight trading sessions. Melissa Watras of Trillium Surveyor speaks to Robin Amlôt of IBS Intelligence about the tech and regulatory challenges as financial markets move toward 24/7. What are the implications for back-office operations, compliance teams and more. 

Ziad Mabsout, Co-Founder & CEO, VennreWealthTech has evolved from offering simple portfolio dashboards to full-service, AI-powered advisory platforms that are democratising private market access as a mainstream investment category. This increasing inclusivity is benefitting the world's HENRYs (high income not rich yet).  A mass_affluent audience is being offered solutions that give personalised investment recommendations and onboarding through data-driven platforms. Robin Amlôt of IBS Intelligence speaks to digital wealth management platform Vennre's Co-Founder and Chief Executive Officer Ziad Mabsout. 

Rainer Vorwerk, Business Development Manager DACH & Head of Profinit Germany; Philipp Söchtig, Head of Corporate Development & Operations, Deputy Head of IT, Berenberg; Marcel Pochert, Head of Digital Transformation, BerenbergBerenberg is one of Europe's oldest privately owned banks. The bank chose Profinit to automate contract reviews, reduce costs and support the register of information in line with DORA – the Digital Operational Resilience Act. AI-driven Compliance as a Service (CaaS) has boosted processing speed, reduced manual effort and increased accuracy. Robin Amlôt of IBS Intelligence speaks to Marcel Pochert and Philipp Söchtig of Berenberg, but we hear first from Rainer Vorwerk of tech supplier Profinit. 

Nitin Pulyani, Head of Products, Cashfree PaymentsCross-border payments have long been plagued by high fees, unpredictable exchange rates, and slow settlement times. But with FinTech innovation, real-time rails, and compliance-led product design, the landscape is changing rapidly. In this episode, Vriti Gothi sits down with Nitin Pulyani, Head of Products at Cashfree Payments, to discuss how Indian FinTechs are reimagining global money movement. They explore India's opportunity to lead in cross-border innovation, why compliance can be a catalyst rather than a constraint, and what it takes to design truly borderless financial infrastructure from India for the world. 

Rivi Varghese, CEO, Clari5 – a Perfios CompanyThe menace of fraud in the financial ecosystem is no longer a static problem that can be tackled with static solutions. Periodic updates are artifacts of the past. What is needed now is a living defence that is capable of evolving as fast, if not faster, than the cyberthreat it faces. Rivi Varghese, CEO of Clari5 explains the company's Living Anti-Fraud Operating System to Robin Amlôt of IBS Intelligence. 

Andrew Dalton, VP Sales Europe, Cleareye.aiBanks' trade operations are evolving and are under greater pressure than ever before. Documentation is more complex and regulatory scrutiny more intense. Andrew Dalton, VP Sales Europe for Cleareye.ai joins Robin Amlôt of IBS Intelligence to discuss the role being played by AI and automation in helping financial institutions not only to cope with these pressures but actually to improve the speed and efficiency of their trade ops. 

Varun Dudeja, Head of Business Development APAC, PismoIndia's credit ecosystem is undergoing a digital-first transformation, with issuers navigating modernisation, compliance, and scalability as embedded finance and platforms like Pismo redefine the future of credit. Puja Sharma speaks with Varun Dudeja, Head of Business Development APAC, Pismo, on how India's credit card market is evolving and what the future holds in the digital-first economy.

Will Ashford-Brown, Director Strategic Insights, Heligan GroupIt has been suggested that more than a third of businesses globally are affected every year by insider threats – it is the cybersecurity issue that not enough companies are focusing on! Organisations are implementing increasingly sophisticated defences against external cyberattacks but that just makes the dangers of malicious and even unintentional insider threats more acute. Robin Amlôt of IBS Intelligence speaks to Will Ashford-Brown, Director Strategic Insights at Heligan Group.

Scott Barronton, Chief Information Security Officer, Diebold NixdorfAI in financial_services is beginning to move from promise to practical implementation. But, as Scott Barronton, CISO of Diebold Nixdorf, warns, organisations should roll out internal AI solutions before leveraging the technology in their products. Robin Amlôt of IBS Intelligence speaks to Scott Barronton about what you need to build to ensure safe and responsible adoption of AI.