New Delhi, May 29 -- Most banks will tell you they are "using AI." Fewer can tell you what that means in practice: which processes have genuinely changed, which decisions are materially better, and what the organisation had to do differently to make any of it work. The gap between the announcement and the reality is, in most cases, considerable.

They sat down to talk about what it truly takes to introduce artificial intelligence into the bloodstream of one of America's largest regional banks, and the lessons that emerged were as much about human readiness as about algorithmic prowess.

Banking is the world's oldest information business. And for decades, one of the slowest to change its own plumbing. AI arrived as a knight in shining armo...