Monetary providers has lengthy been on the forefront of adopting technological improvements. Right this moment, generative AI and agentic methods are redefining the business, from buyer interactions to enterprise operations.
Prem Natarajan, govt vice chairman, chief scientist and head of AI at Capital One, joined the NVIDIA AI Podcast to debate how his group is constructing proprietary AI methods that ship worth to over 100 million clients.
“AI is at its greatest when it transfers cognitive burden from the human to the system,” Natarajan mentioned. “It permits the human to have that rather more enjoyable and expertise that magic.”
Capital One’s technique facilities on a “check, iterate, refine” strategy that balances innovation with rigorous threat administration. The corporate’s first agentic AI deployment is a chat concierge that helps clients navigate the car-buying course of, similar to by scheduling check drives.
Relatively than merely integrating third-party options, Capital One builds proprietary AI applied sciences that faucet into its huge information repositories.
“Your information benefit is your AI benefit,” Natarajan emphasised. “Proprietary information permits you to construct proprietary AI that gives enduring differentiated providers in your clients.”
Capital One’s AI structure combines open-weight basis fashions with deep customizations utilizing proprietary information. This strategy, Natarajan defined, helps the creation of specialised fashions that excel at monetary providers duties and combine into multi-agent workflows that may take actions.
Natarajan careworn that accountable AI is key to Capital One’s design course of. His groups take a “accountability by design” strategy, implementing strong guardrails — each technological and human-in-the-loop — to make sure secure deployment.
The idea of an AI manufacturing unit — the place uncooked information is processed and refined to supply actionable intelligence — aligns naturally with Capital One’s cloud-native know-how stack. AI factories incorporate all of the parts required for monetary establishments to generate intelligence, combining {hardware}, software program, networking and growth instruments for AI functions in monetary providers.
Time Stamps
1:10 – Natarajan’s background and journey to Capital One.
4:50 – Capital One’s strategy to generative AI and agentic methods.
15:56 – Challenges in implementing accountable AI in monetary providers.
28:46 – AI factories and Capital One’s cloud-native benefit.
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