In this episode of the Digital India Podcast, Tech Observer’s Editorial Director Mohd Ujaley speaks with Puneet Asthana, Executive Director and Chief Technology Officer at Shriram Wealth, about the changing technology landscape in India’s BFSI sector.

Asthana shares his perspective on the evolution of enterprise technology—from the early internet and mobility era to cloud adoption, hybrid architectures and the rise of AI. He explains why identifying the right use case matters more than deploying the latest tools, and why data fragmentation remains the biggest challenge for financial institutions adopting AI.

The discussion also covers:
• GenAI vs enterprise-grade AI in regulated industries
• Data consolidation, data cleanliness and legacy system complexity
• DPDP Act, consent management and the future of data governance
• Cybersecurity, third-party risk and API-level controls
• Why federated learning across organisations is essential
• How Shriram Wealth is building AI-assisted experiences for mass-affluent customers

A clear and grounded conversation for anyone working in BFSI, fintech, enterprise technology, AI strategy, compliance or digital transformation.

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