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Ramki Gaddipati shared thisOrchestration ≠ Intelligence Three things we’re currently confusing about “AI agents”: 1️⃣ Long-running agent sessions aren’t intelligence gains They show better orchestration, retries, and tool use, not deeper reasoning or planning. 2️⃣ Application engineering is being mistaken for AI breakthroughs Agents are largely an application layer: UX, workflows, guardrails, coordination. Valuable, but not evidence of categorical AI advancement. 3️⃣ Hype isn’t harmless When demos are framed without limits or hypotheses, buyers over-infer readiness. That leads to rushed adoption, disappointment, and anxiety; penalizes teams doing careful, honest progress. Agents matter and orchestration matters enormously for AI adoption. But orchestration ≠ intelligence. If we want real progress, we need clearer disclosure, not louder demos. 👉 Agentic Systems Are Advancing, Our Narratives Are Not : On hype, conflation, and the need for honest disclosureAgentic Systems Are Advancing, Our Narratives Are NotAgentic Systems Are Advancing, Our Narratives Are Not
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Ramki Gaddipati shared thisProud to be a part of this alumni gathering at BITS Pilani Hyd. BITSAA Global Meet 2026 is bringing BITSians from across the globe together in Hyderabad for 3 days of networking and nostalgia. Come join us on 9-11 January 2026.
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Ramki Gaddipati reposted thisRamki Gaddipati reposted thisBusiness Economics of Retail Credit Cards – India 1️⃣ CAC – Customer Acquisition Cost Mass-market cards: ₹1,500 – ₹3,000 Premium / Affluent cards: ₹4,000 – ₹12,000 Average - ₹2000 – ₹4500 Cost breakdown: · Marketing / Digital Ads: 45% · Onboarding / KYC: 22% · Welcome / Rewards: 25% · Misc / Support: 8% 📌 Insight: Fintech / neo-banks spend less on onboarding but more on incentives, annual processing cost is between INR 100-150 per card per annum depending on number of cards. 2️⃣ Portfolio Revenue Mix – India Interest Income: ~30–35% · Revolvers: ~25% · EMI: ~10% Fee & Non-Interest Income: ~65–70% · Interchange : 35–40% · Annual Fees: 5–7% · Late Fees: 8–10% · FX Markup: 3–4% · Cash Advance / Other Fees: 3–5% Scale effect: - Larger base → better cross-sell (loans, insurance, wealth products). - Opex per cardholder drops. 💡 Revolver Rate: ~25–30% (vs 45–50% in US) → India relies more on Fee & Non-Interest Income, whereas US relies on Interest Income. 3️⃣ NPA / Delinquency Segment NPA % Notes Mass-market / new-to-credit 3–5% Unsecured, seasonal spikes Premium / salaried 0.5–2% Lower risk Industry avg March 2025, 2–2.5% Measured 90+ days past due. Credit risk curve: Banks usually see higher NPAs in year 2–3 as revolvers grow, which eats into revenue. After ~36 months, portfolio stabilizes with strong spenders + predictable revolvers. 4️⃣ Breakeven Period Card Type Breakeven (Months) Mass-market : 18–24 Premium : 12–18 Portfolio-level ~ 4–5 years Key Drivers: · High upfront CAC & rewards · Slow revenue ramp (Interchange first, interest later) · Credit risk typically peaks in 2–3 years. · Scale reduces Opex per card 5️⃣ Key Insights · Interest = ~1/3 of revenue; Fees & Interchange = ~2/3 · Premium cards → higher CAC, faster breakeven, lower risk · Mass-market → slower breakeven, depends on spends & cross-sell Bottom Line 💡 · Building a profitable retail credit card portfolio in India is all about scale, spends/Interchange Income, and fees, not just interest. · Cobranded Card in partnership with large Marketplace, can reduce CAC drastically, spends can be higher - pushed by partner, which will result in early breakeven and building a profitable retail credit card business in India. Would love to hear your thoughts on this. PS : The above are simple Business levers, that can help create Credit card Business P&L, underwriting customers, monitoring portfolio for early warnings, risk management for different Cohorts and managing collections requires more detailed insights.
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Ramki Gaddipati shared thisYou don't need to "learn AI". You need to see its building blocks. In 2025, "AI" means many things. It means everything from gradient descent to the latest shiny product. It means everything and nothing. Let's dig deeper into that word. This is the first post in an 8-part series, for leaders building orgs, systems & processes. In this post, I've listed the 7 core capabilities of modern AI. In the next 7 posts, I'll go deeper into each capability. Just like we learned compute, storage, and network in traditional systems, we need a vocabulary for this new age. This series is an attempt to demystify AI by breaking it down into its essential capabilities, so that we can engage with it confidently and constructively. Go ahead and swipe the carousel!
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Ramki Gaddipati shared thisStartups don't always start with a product. Sometimes, they start with someone declaring war on a problem they cannot ignore anymore. Too often, we fall in love with our ideas. And we jump into building. ✅ 1. Before you build anything, write this down: "The painful, costly, annoying thing my customer experiences is: ______." - If you can't fill that in clearly, stop. - You're not yet solving a real problem. ✅ 2. Talk to 5–10 people who face this pain. Ask: - What do you hate about this? - What have you already tried? - What's the worst part? Don't pitch or assume. Listen. ✅ 3. Delete your "big idea." Now, ask yourself: - "If I couldn't build my idea, how else could I solve this problem?" - If you're stuck, you don't understand the problem deeply enough yet. ✅ 4. Ask: Is this a 10-year problem? - If the answer is no, don't commit yet. - Test it more, move on if necessary. ✅ 5. Build only when solving it feels like the future. - If people ask you when it's ready, you're onto something. - If you're trying to convince them it's worth solving, you're not. Ideas are fun. Imaginary products are very tempting. But the problem is what will keep you obsessed for years. --- What's a moment you felt, "finally, someone fixed this"? Tell me in the comments 👇 ♻️ Repost this to help someone start with truth, not fantasy. ♻️ Follow me for actionable reflections on work and growth.
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Ramki Gaddipati reposted thisRamki Gaddipati reposted thisWhen selecting our keynote speaker for Tech Talent Conference 2025: “Paradox of Progress,” we weren’t looking for another AI evangelist or transformation cheerleader. We needed someone who’s actually lived through organizational upheaval in real time. Ramki Gaddipati, Co-Founder and CTO of Zeta, has spent the last decade building a $2 billion unicorn in one of the most entrenched, hierarchy-heavy industries on the planet—banking. He’s not theorizing about organizational transformation; he’s architected it. Think about what Zeta accomplished: A barely decade-old company disrupting massive global financial institutions with decades of legacy systems. They’re powering 25 million accounts globally, with another 25 million in the pipeline. That doesn’t happen by following traditional organizational playbooks. Here’s what makes Ramki’s perspective invaluable for our conference theme: He’s witnessed firsthand how technology doesn’t just change what organizations do. It fundamentally rewrites who holds power, how decisions get made, and which leadership frameworks survive the transition. The insights he’ll share on July 4th at The Leela Palace, Bengaluru, won’t be about AI’s potential, they’ll be about the realities of building an organization when the world is in flux. And this is exactly the kind of battle-tested perspective we need. Ready to hear what organizational survival looks like in the AI era? Register here http://bit.ly/44zMACW and help shape the conversation! #TTC25 #AITransformation #Leadership #FutureOfWork #Innovation #TheFutureIsHuman
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Ramki Gaddipati shared thisCuriosity opens the world for you. Without it, we box ourselves in. Many bad decisions don't come from lack of skill. They come from unquestioned assumptions. We assume the team is aligned. We assume we know what the user wants. We assume the current process is "good enough." Curiosity breaks that loop. Try this when you're faced with a decision that feels too certain: 🔹 Ask 1 more "why", to find the assumption. "Why are we doing it this way?" 🔹 Ask 1 more "what else", to expand the options. "What else could explain this behavior?" 🔹 Ask 1 more "what would happen if...", to test the edge. "What would happen if we didn't do this at all?" Assumptions aren't bad. Being unaware of them is. --- What has helped you stay open when you're under pressure? Tell me in the comments 👇 ♻️ Repost this to remind others it's okay to not know. ♻️ Follow me for actionable reflections on work and growth.
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Ramki Gaddipati shared thisThis is like parents saying they are proud of you 🤗 You know they are your family, but you still feel good.Ramki Gaddipati shared thisAnnouncing the #BITS #DAA 2025 recipients! At #BITSPilani, our alumni are our greatest pride, strength, and key stakeholders. We take immense pride in their achievements and love celebrating their successes. The prestigious BITS Distinguished Alumnus Award (DAA) recognizes outstanding alumni who bring honor to their alma mater, society, and the nation. Join us in applauding these exceptional individuals whose accomplishments inspire us all and reflect the highest standards of excellence. Congratulations to our awardees for their remarkable contributions and for making us proud! Arvind Mathew | Vijay Kedia | Sanjiv Kumar | Amit Sheth | Arun Rai | Ram Gupta | Atul Lall | B N Reddy | Ramki Gaddipati | Krishna Narayanaswamy | Gulu Mirchandani Birla Institute of Technology and Science, Pilani Birla Institute Of Technology and Science, Pilani Dubai Birla Institute of Technology and Science, Pilani - Goa Campus BITS Pilani, Hyderabad Campus Prof. V Ramgopal Rao Dilip Gaur Arun Khetan Sudhirkumar V Barai Soumyo Mukherji Director BITS Pilani - K.K. Birla Goa Campus Srinivasan Madapusi Arya Kumar Sachin Arya BITSAA International BITSAA Silicon Valley Chapter BITSAA Bangalore BITS Pilani Work Integrated Learning Programmes #AlumniExcellence #BITSAlumni #ProudMoment #AchievementUnlocked #Inspiration #Honor #Recognition #CelebratingSuccess #BITSian #BITSians
Ramki Gaddipati commented on a post
3w
Congratulations Milind 🎉 All the very best
Ramki Gaddipati replied to a comment
4mo
Sourav Dasgupta consumer awareness certainly helps and could be the ultimate safeguard. However, it will take longer to get there.
But as an extreme comparison, let’s see the cigarette packets. The harm the caused is conspicuously illustrated on the packets themselves.
While I am not pushing it that far, I am appealing to producers to be mindful of consequences of their actions and the harm it could cause to them and the overall AI adoption story.
Ramki Gaddipati commented on a post
7mo
Congratulations V S Rao sir. Here’s to creating history yet again 🎉. All the very best for creating an inspiring campus for decades to come.
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Ramki Gaddipati liked thisRamki Gaddipati liked this🚀 Experience something new with PayZapp UPI. Payments have evolved from swiping, scanning, and tapping. Now, you can simply blink to pay. 👁️✨ Introducing UPI Biometrics on PayZapp — now live on both Android and iOS. With biometric authentication, making UPI payments is becoming even more seamless, secure, and effortless. No need to remember passwords or enter PINs for every transaction—just a quick biometric verification and you’re done. #PayZapp #UPI #DigitalPayments #Fintech #Innovation #Biometrics #CustomerExperience #Payments #MobileBanking #HDFCBank
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Ramki Gaddipati liked thisRamki Gaddipati liked thisThe last fiscal year was a real turning point. First full year as a bank, first full year of profit. We are grateful for the trust and the opportunity to serve and solve your problems. A lot more to do.
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Ramki Gaddipati liked thisRamki Gaddipati liked thisEngineering Depth + Extreme AI Fluency + Deep Banking & Payments Domain Expertise + Empathy If this is your formula, my team and I would love to speak with you, please reach out. I've joined Fiserv as CTO/Head of Tech for Financial Institutions Group (FIG). My team and I are dedicated to building the product /engineering foundations to enable our clients — banks, credit unions and all our customers — to operate, compete, and grow. That means engineered-to-the-core systems, software built with precision, tested under pressure, and designed to endure. Let's build. #Fiserv #CTO #FinancialInstitutions #EngineeringLeadership #AI #Banking #Fintech #Hiring
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Ramki Gaddipati liked thisRamki Gaddipati liked thisI’m excited to share that I have taken on a new role as Head of Strategy – Financial Solutions (APAC) at Fiserv. In this role, I will be reporting to Andrew Gelb and focusing on driving key strategic initiatives across the APAC region. My mandate will be to define and execute growth strategies that align with Fiserv’s regional priorities as well as its global product roadmap. A key part of this journey will involve working closely with Sunil Sachdev and Gowri Narayanan to develop and operationalise go-to-market strategies across:• Embedded Finance• Real-Time Payments• Emerging payment solutions, including Stablecoin enablement in Asia The payments landscape across APAC continues to evolve rapidly, and I look forward to contributing to Fiserv’s growth and innovation in this dynamic environment. Looking forward to the journey ahead.
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Ramki Gaddipati liked thisRamki Gaddipati liked thisMy Mint newspaper article today is based on the white paper Doot: The AI Agent for Every Indian Citizen, which I co-authored with colleagues from MIT, IIT Kanpur, IISc, Microsoft, Flipkart and other institutions for the India AI Impact Summit 2026. The paper outlines an Agentic AI designed based on India's Digital Public Infrastructure playbook. Procedural complexity is a major wealth-destroying force in India. It locks millions out of government services, entitlements, and formal finance simply because they cannot navigate forms, documentation, and institutional processes. Doot’s promise is Agentic AI architecture at population scale. Such a conversational AI agent should be bound to the citizen, with consent that is granular, revocable, and task-specific. High-stakes actions should require explicit confirmation. Yet the experience for the user should remain simple: a voice interface in her language, selective document access, privacy-preserving verification, and transparent payments over DPI rails such as Aadhaar, DigiLocker and UPI. This is the next step for India’s DPI stack: making it intelligent and agentic so it can transcend literacy and complexity barriers. Lakshmi(see article below) does not need charity. She needs a tool that speaks her language, understands her world, and helps her access entitlements and opportunity. The difference between those two things is the difference between a handout and a future. Ashwini Vaishnaw Dharmendra Pradhan S Krishnan Abhishek Singh Ramesh Raskar Nitin Saxena Ministry of Electronics and Information Technology Kapil Vaswani Biplab Pal, PhD Umakant Soni Utkarsh (UT) Vijaya Kumar Ivaturi Manudev Jain sujith nairUjjwal Kumar Chris Pease Lipika KapoorHimanshu Tyagi Praveen Gedam Santanu Bhattacharya Livemint Lounge Co-Develop eGov Foundation Trustt Pratyush Kumar Vivek Raghavan
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Ramki Gaddipati liked thisHalf a billion rows - and we're just getting started!Ramki Gaddipati liked this500 MILLION memories have been preserved on Ente! 🏆
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Ramki Gaddipati liked thisRamki Gaddipati liked thisExciting news from Zeta! 🎉| Our new Bangalore Electronic City office is officially open, marking a significant milestone in our journey. More than just a physical space, this office reflects the vibrance, energy, and forward-thinking spirit of Zeta. Designed with a perfect balance of collaboration and focus, the workspace features dynamic collaboration zones, thoughtfully designed meeting rooms, and dedicated focus pods that enable deep work and uninterrupted productivity. The open, well-lit interiors, modern design elements, and flexible seating arrangements create an environment that encourages creativity, innovation, and meaningful connections across teams. Here’s to new beginnings, shared successes, and the exciting projects ahead! 🚀 #zeta,#newoffice #officeinaug #design #collobarations #facilities #operations #REW Ankkush Agarwal Zeta Umesh Agnani Chelinath BSRINIDHI K S
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Ramki Gaddipati liked thisRamki Gaddipati liked this⚡️BITS Pilani, Hyderabad Campus, is pleased to welcome Prof. Vasan Arunachalam as the Dean, Administration. His appointment marks an important step in strengthening institutional governance and administrative effectiveness at the campus. With his extensive experience in academia and leadership, we look forward to continued progress in operational excellence and campus development. We extend our best wishes to Prof. Arunachalam in this role. Prof. V Ramgopal Rao | Prof D Sriram | Col Soumyabrata Chakraborty | Prof Mohan Rao Chintalagiri | Prof Nandini Bhandaru | Prof JAYANTY SUBBALAKSHMI | Prof Bahurudeen A | Prof Paresh Saxena | Prof Rishi Kumar | Prof Shilpaa Anand | Prof Sabareesh Geetha Rajasekharan | Prof Arti Dhar | Prof Kishore Kumar Naraparaju | Prof Sarmistha Banik | Prof. Sandip Deshmukh | Prof Alivelu Manga Parimi | Prof Swati Alok . | Prof Vamsi Venuganti | Prof Aruna Malapati | Prof Sounak Roy | Prof Anasua Guharay | Birla Institute of Technology and Science, Pilani | Birla Institute Of Technology and Science, Pilani Dubai | Birla Institute of Technology and Science, Pilani - Goa Campus | #BITSPilani #BITSHyderabadCampus #Leadership #HigherEducation #AcademicAdministration
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