Monetary companies has lengthy been on the forefront of adopting technological improvements. Right this moment, generative AI and agentic programs are redefining the trade, from buyer interactions to enterprise operations.
Prem Natarajan, govt vp, chief scientist and head of AI at Capital One, joined the NVIDIA AI Podcast to debate how his group is constructing proprietary AI programs that ship worth to over 100 million prospects.
“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” method that balances innovation with rigorous threat administration. The corporate’s first agentic AI deployment is a chat concierge that helps prospects navigate the car-buying course of, comparable to by scheduling check drives.
Relatively 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 lets you construct proprietary AI that gives enduring differentiated companies to your prospects.”
Capital One’s AI structure combines open-weight basis fashions with deep customizations utilizing proprietary knowledge. This method, Natarajan defined, helps the creation of specialised fashions that excel at monetary companies 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 “duty by means of design” method, 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 knowledge is processed and refined to supply 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 companies.
Time Stamps
1:10 – Natarajan’s background and journey to Capital One.
4:50 – Capital One’s method to generative AI and agentic programs.
15:56 – Challenges in implementing accountable AI in monetary companies.
28:46 – AI factories and Capital One’s cloud-native benefit.
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