This interview with Aditya Tulsian explores a paradigm shift in how Indian MSMEs access the project economy by moving from collateral-based credit to digital trust infrastructure. The source argues that traditional bank guarantees stifle growth by freezing vital working capital, whereas surety bonds offer a way to verify performance credibility without immobilising cash. By implementing a digital layer for monitoring and enforcement, the ecosystem can transition to a de-collateralised model that rewards execution capability over balance-sheet depth. These reforms aim to unlock significant liquidity, allowing smaller enterprises to compete more effectively and accelerating national economic growth. Ultimately, the text positions AxiTrust as a critical orchestrator that connects insurers and businesses to make contractual trust a scalable and efficient resource.

This interview features Balaji Vasudevan of SysArc Infomatix, discussing the evolution of India’s digital lending through regulatory innovation and API-driven ecosystems. He emphasizes the RBI’s Regulatory Sandbox as essential for testing products like LENDperfect Shishu Mudra, which reduces compliance risks. SysArc’s API BUS streamlines bank-FinTech collaboration, while proactive tools like Early Warning Systems shift risk management from reactive to preventive. Vasudevan highlights how zero-touch mobility solutions drive rural financial inclusion and how FUNDperfect supports MSMEs with revenue-linked credit. While competitors focus on cloud-native models, SysArc differentiates itself through nearly thirty years of domain expertise and deep alignment with India-specific regulatory nuances. Ultimately, technology is transforming traditional services like locker management now into fully integrated and technology-driven digital banking ecosystems today.

DN Prahlad, Founder and Chairman, Surya FinTech

As banks move beyond AI experimentation to enterprise-wide deployment, Puja Sharma speaks with DN Prahlad, Founder and Chairman, Surya FinTech, on why the industry must shift its focus from AI hype to measurable business outcomes, how agentic AI is reshaping financial services, the critical role of data readiness, and the strategic priorities bank boards should embrace to unlock AI's long-term value.