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HDFC Bank bets on AI as core technology, shares Nitin Chugh, Country Head of Digital Banking, HDFC Bank

HDFC Bank has always focused on tech-enabled services and creating the next level of digital customer experience.

“HDFC Bank has always had a strong focus on new technologies like artifical intelligence, RPA, etc, embedding them into the bank’s digital strategy and providing a much superior customer experience,” says Nitin Chugh, Country Head –

The bank is trying to play an essential role in the day to day activities like bill payments, shopping, money transfer, invest, trade, etc., hence, including these features for its customers.

“We have to be aware of customer expectations, their changing behaviour and new technologies, and how we benchmark ourselves, not necessarily within the financial services, but even outside the industry,” states Chugh.

Chugh further explains that they are deploying new technologies, which requires a pool of partners like fintech, startups and universities, giving them access to researches, innovative ideas and providing a platform to test products.

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