Monetary providers has lengthy been on the forefront of adopting technological improvements. Immediately, generative AI and agentic techniques are redefining the trade, 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 techniques that ship worth to over 100 million clients.
“AI is at its finest when it transfers cognitive burden from the human to the system,” Natarajan stated. “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 danger administration. The corporate’s first agentic AI deployment is a chat concierge that helps clients navigate the car-buying course of, resembling by scheduling check drives.
Somewhat than merely integrating third-party options, Capital One builds proprietary AI applied sciences that faucet into its huge knowledge repositories.
“Your knowledge benefit is your AI benefit,” Natarajan emphasised. “Proprietary knowledge permits you to construct proprietary AI that gives enduring differentiated providers on your clients.”
Capital One’s AI structure combines open-weight basis fashions with deep customizations utilizing proprietary knowledge. 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 confused that accountable AI is prime to Capital One’s design course of. His groups take a “accountability via design” strategy, implementing strong guardrails — each technological and human-in-the-loop — to make sure secure deployment.
The idea of an AI manufacturing facility — the place uncooked knowledge is processed and refined to provide actionable intelligence — aligns naturally with Capital One’s cloud-native expertise stack. AI factories incorporate all of the parts required for monetary establishments to generate intelligence, combining {hardware}, software program, networking and improvement instruments for AI purposes 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 techniques.
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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