Resources
178 articles on AI, banking and technology by Dato Arif Siddiqui and invited contributors, newest first.
Article · AI in Banking
Higher education is entering its most profound structural transformation since the industrial age. According to UNESCO, global tertiary enrollment surpassed 254 million learners in 2023, yet student satisfaction,…
Dato Arif Siddiqui · 6 Feb 2026
Article · AI in Banking
AI-Powered KYC & CDD in Banking: Cost Savings, Faster Onboarding & Real Cases 2026
Dato Arif Siddiqui · 1 Feb 2026
Article · AI in Banking
Why do some banks feel effortless, while others still frustrate customers?
Dato Arif Siddiqui · 30 Jan 2026
Article · AI in Banking
DBS Bank in Singapore: AI as a Core Driver of User-Centric Banking. DBS has positioned itself as a global AI leader in banking, with over 1,500 AI models deployed across 370+ use cases, generating over SGD 1 billion in…
Dato Arif Siddiqui · 26 Jan 2026
Article · AI in Banking
Mobile banking has reached a point where design parity exists, but functional depth does not. Most banking apps look polished, load quickly, and offer basic self-service features, yet few truly help customers manage…
Dato Arif Siddiqui · 26 Jan 2026
Article · AI in Banking
1. Jensen Huang, CEO of Nvidia: Huang framed AI as national infrastructure, similar to electricity and the internet. He stressed sovereign compute, massive data centers, and energy alignment.
Dato Arif Siddiqui · 25 Jan 2026
Article · AI in Banking
Banks across the United States and globally are under sustained pressure to reduce the time it takes to open a checking or savings account while maintaining strict compliance with Customer Identification Program (CIP),…
Dato Arif Siddiqui · 24 Jan 2026
Article · AI in Banking
U.S. retail banks face growing pressure to reduce branch account opening time while meeting strict CIP, KYC, and Reg CC requirements.
Dato Arif Siddiqui · 17 Jan 2026
Article · AI in Banking
A persistent misconception in banking is that regulators delay or suppress AI innovation. Many bank leaders privately assume that the faster they move, the more likely regulators will intervene.
Dato Arif Siddiqui · 16 Jan 2026
Article · AI in Banking
Banks worldwide have invested heavily in artificial intelligence over the past decade. In the United States alone, large banks spend billions of dollars annually on data platforms, machine learning tools, cloud…
Dato Arif Siddiqui · 10 Jan 2026
Article · AI in Banking
By 2026, mobile banking will have become the operating system of retail banks. Benchmarks from McKinsey, Bain, BCG, and Euromoney confirm that leaders achieve 30–50% lower service costs, 2–3× productivity gains, and…
Dato Arif Siddiqui · 8 Jan 2026
Article · AI in Banking
The year 2026 marks a watershed moment in the adoption of artificial intelligence (AI) within the U.S. banking sector: the technology is no longer an experimental novelty but an operational reality for leading…
Dato Arif Siddiqui · 4 Jan 2026
Article · AI in Banking
Over the last five years, mobile banking adoption has accelerated globally, but the pace, depth, and nature of adoption vary sharply between the United States, Europe, and Asia. While the U.S.
Dato Arif Siddiqui · 1 Jan 2026
Article · AI in Banking
Over the past few years, banks have quietly redesigned their onboarding processes using AI, automation, and risk intelligence.
Dato Arif Siddiqui · 28 Dec 2025
Article · AI in Banking
Digital and mobile account opening are among the most customer-felt uses of AI in U.S. banking. Unlike AML or credit risk models, onboarding is visible, immediate, and directly affects whether a customer completes the…
Dato Arif Siddiqui · 27 Dec 2025
Article · AI in Banking
Read my book "Using AI in Banking: Real-world application, Use cases, AI technology, and Solution for Banks"
Dato Arif Siddiqui · 1 Nov 2025
Article · AI in Banking
Credit builder loans are a specialized financial product designed to help individuals with limited, poor, or no credit history establish a positive payment record.
Dato Arif Siddiqui · 12 Aug 2025
Article · AI in Banking
In the United States, your credit score is more than just a number; it’s the key to financial opportunities. A strong score can open doors to lower interest rates, higher credit limits, and better loan approvals, while…
Dato Arif Siddiqui · 11 Aug 2025
Article
Future Innovations That Can Change Our Lives: #1 Nexrobatics (Necrobotics), #2 Self-Sensing and Haptic-Reproducing Electronic Skin (E-Skin)
Dato Arif Siddiqui · 23 Apr 2025
Article · AI in Banking
Kimi 1.5 (Moonshot AI) vs. DeepSeek R1 vs. Gemini vs. ChatGPT 4.5 (OpenAI) vs. Qwen 2.5 (Alibaba),
Dato Arif Siddiqui · 22 Apr 2025
Article · AI in Banking
The U.S. has imposed a 46% tariff on Vietnam under a reciprocal tariff approach, while Vietnam has proposed zero tariffs from both sides.
Dato Arif Siddiqui · 8 Apr 2025
Article · AI in Banking
The Announcement of new tariffs caused a huge market sell-off. The top 500 global companies lost $2.5 trillion. This affected many sectors and supply chains.
Dato Arif Siddiqui · 6 Apr 2025
Article · AI in Banking
The United States has recently implemented tariffs on imports from all countries, aiming to address trade imbalances and bolster domestic industries.
Dato Arif Siddiqui · 4 Apr 2025
Article · AI in Banking
Stablecoins are a crucial innovation in the crypto world, providing the advantages of digital assets while reducing the volatility of traditional cryptocurrencies like Bitcoin and Ethereum.
Dato Arif Siddiqui · 2 Apr 2025
