Sanjay Doshi

National Leader, Financial Services Advisory, @KPMGIndia. Partner, Deal Advisory. All views are Personal

[Business Today @business_today]

Reimagining Banking In An AI-First World | The Great Reset | BT Banking Summit

As artificial intelligence reshapes global finance, this session explores how Indian banks and fintechs are navigating an AI-first transformation. Under The Great Reset framework, leaders debate how automation, analytics, and intelligent systems are redefining operations, customer engagement, and risk assessment. Sabyasachi Goswami, CEO, Perfios, discusses the role of AI-driven data intelligence in credit underwriting and fraud detection. Sanjay Doshi, Partner & Head Financial Services Advisory, KPMG India, offers a consulting and governance lens on digital risk, compliance, and scalable transformation. Parag Bhise, CEO & ED, Nucleus Software, highlights core banking innovation and embedded finance ecosystems. Moderated by Business Today TV’s Sakshi Batra, the discussion explores regulatory guardrails, ethical AI, customer trust, and the future of human-machine collaboration in banking.

Watch LIVE: https://t.co/qPLcwdfEYd | #BusinessToday #BestBankingSummit2026 #BTBestBanks #BestBankingAndEconomySummit #AIBanking #FintechIndia

@sakshibatra18 | @Perfios | @San_Doshi | @paragbhise | @NSEIndia | @nucleussoftware | @KPMGIndia

[Business Today @business_today]

🏦 #30YearsOfBTBestBanks | "Banks have really adopted technology in our country quite nicely and aggressively, and that’s where our risk management is also so strong and robust," Sanjay Doshi (@San_Doshi), Partner & Head Financial Services Advisory, @KPMGIndia, tells @sakshibatra18, Anchor & Senior Associate Editor, @business_today

Watch #BTTV LIVE: https://t.co/iwxveNeBlt

Track updates from BT Banking & Economy Summit, in collaboration with
@NSEIndia: https://t.co/YSzlEWaRW2

@nucleussoftware | @KPMGIndia

#BTBestBanks2026

[Business Today @business_today]

🏦 #30YearsOfBTBestBanks | #InPics | Reimagining Banking in an AI-First World

Leaders from banking, fintech, and consulting came together for an insightful discussion on the future of finance at the Business Today Banking & Economy Summit. The session featured Sabyasachi Goswami (@SabyaPerfios), CEO, @Perfios; Sanjay Doshi (@San_Doshi), Partner & Head Financial Services Advisory, @KPMGIndia, and Parag Bhise (@paragbhise), CEO & ED, @nucleussoftware, in conversation with @sakshibatra18.

The panel shared perspectives on how AI is transforming banking—from smarter credit underwriting and fraud detection to digital risk management, compliance, and next-gen core banking innovation. The conversation also explored ethical AI, regulatory guardrails, and the evolving role of human-machine collaboration in financial services.

As part of the celebrations marking three decades of the #BTBestBanks Awards, the summit—held in collaboration with National Stock Exchange of India (@NSEIndia)- brought together industry leaders to discuss the theme “The Great Reset” and chart the future of India’s financial sector.

Watch full session: https://t.co/iwxveNf9b1

Track updates: https://t.co/YSzlEWbpLA

@NSEIndia | @nucleussoftware | @KPMGIndia

[KPMG India @KPMGIndia]

#BTBestBanks2026 | Agentic AI demands lightning-fast processing backed by an agile and data-ready technology architecture. Humans remain indispensable from perspective of accountability; making those critical decisions that safeguard and grow our institutions. 𝗥𝗲𝗶𝗺𝗮𝗴𝗶𝗻𝗶𝗻𝗴 𝗯𝗮𝗻𝗸𝗶𝗻𝗴 𝗺𝗲𝗮𝗻𝘀 𝗯𝗹𝗲𝗻𝗱𝗶𝗻𝗴 𝗔𝗜'𝘀 𝗽𝗼𝘄𝗲𝗿 𝘄𝗶𝘁𝗵 𝗵𝘂𝗺𝗮𝗻 𝘄𝗶𝘀𝗱𝗼𝗺 𝘁𝗼 𝗯𝘂𝗶𝗹𝗱 𝗮 𝗳𝘂𝘁𝘂𝗿𝗲 𝘁𝗵𝗮𝘁'𝘀 𝗻𝗼𝘁 𝗷𝘂𝘀𝘁 𝗲𝗳𝗳𝗶𝗰𝗶𝗲𝗻𝘁, 𝗯𝘂𝘁 𝗲𝗻𝗱𝘂𝗿𝗶𝗻𝗴𝗹𝘆 𝘁𝗿𝘂𝘀𝘁𝘄𝗼𝗿𝘁𝗵𝘆: @San_Doshi, @KPMGIndia during a panel on '𝗥𝗲𝗶𝗺𝗮𝗴𝗶𝗻𝗶𝗻𝗴 𝗯𝗮𝗻𝗸𝗶𝗻𝗴 ��𝗻 𝗮𝗻 𝗔𝗜-𝗳𝗶𝗿𝘀𝘁 𝘄𝗼𝗿𝗹𝗱' at the @business_today 𝗕𝗮𝗻𝗸𝗶𝗻𝗴 & 𝗘𝗰𝗼𝗻𝗼𝗺𝘆 𝗦𝘂𝗺𝗺𝗶𝘁 and 𝗕𝗧 𝗕𝗲𝘀𝘁 𝗕𝗮𝗻𝗸𝘀 𝗔𝘄𝗮𝗿𝗱𝘀 2026.
We're thrilled to associate as ✨ 𝗞𝗻𝗼𝘄𝗹𝗲𝗱𝗴𝗲 𝗣𝗮𝗿𝘁𝗻𝗲𝗿 ✨ for the Summit!

🏆��� #30YearsOfBTBestBanks #banking #economy #AgenticAI

[KPMG India @KPMGIndia]

#UnionBudget2026 | @San_Doshi, @KPMGIndia on 𝗞𝗲𝘆 𝗶𝗺𝗽𝗹𝗶𝗰𝗮𝘁𝗶𝗼𝗻𝘀 𝗼𝗳 𝗕𝘂𝗱𝗴𝗲𝘁 𝟐𝟎𝟐𝟔 𝗳𝗼𝗿 𝗯𝗮𝗻𝗸𝗶𝗻𝗴 𝗮𝗻𝗱 𝗡𝗕𝗙𝗖:

🔹 Given the current strength of bank's balance sheet historically driven by resolution of large NPA situations and retail loan growth, banks will now focus significantly on loan growth towards infra and capex, MSME and manufacturing especially in the 7 strategic and frontier sectors
​🔹 Setting-up of high-level committee on banking for Viksit Bharat - Banking is key to ensure success of the budget focus areas by ensuring credit in the right direction. Committee should bring clarity on following - foreign investment in banking, bank of the future, Indian banks going global, Private equity in banking, etc. Also, one of the other key areas for focus should be to strengthen or incentivise Bank's ability to continue raising high level of CASA and deposits which currently is under significant pressure alternate investment products.
🔹 Restructuring PFC and REC offers India a strategic opportunity to build a more agile and future‑ready infrastructure financing engine. By strengthening capital efficiency, sharpening focus on renewables and enhancing system‑wide risk management, such a move would reinforce financial‑sector stability while accelerating the nation’s energy transition and long‑term growth agenda.
🔹 Recognising TReDS receivables as asset‑backed securities would fundamentally elevate MSME financing by transforming verified invoices into a trusted investment asset. This shift can attract deeper institutional capital, lower the cost of working capital for MSMEs, and create a more liquid, transparent, and resilient credit ecosystem—benefiting both the financial sector and the backbone of India’s supply chain.
🔹 Introducing Total Return Swaps (TRS) into Indian financial markets can deepen liquidity and broaden investor access by allowing both domestic and global investors to gain exposure to Indian bonds without directly holding them. This enhances risk‑management options, attracts foreign capital through easier participation channels like GIFT City, and supports the growth of India’s expanding credit and bond markets.
🔹 A missed opportunity to incentivise attracting money in Bank fixed deposits by ensuring tax equilibrium between interest income on FD and capital gains through certain equity funds / debt funds especially arbitrage funds.

#KPMGBudgetLIVE #Budget2026 #banking #NBFC #ViksitBharat

[Nirmala Sitharaman Office @nsitharamanoffc]

Mr Bill Thomas (@BillThomas_KPMG), Global Chairman and CEO - KPMG International, and Mr Yezdi Nagporewalla, CEO - @KPMGIndia, call on Smt @nsitharaman.

[KPMG India @KPMGIndia]

"Key takeaways: We need incremental initiatives to incentivise both home buyers and lenders in the green housing sector, enhance the digitalisation of property records, and recognize the crucial role of Residential Mortgage-Backed Securities (RMBS) in providing long-term asset-liability management (ALM) matched liquidity for housing finance companies (HFCs)": @San_Doshi, @KPMGIndia while moderating the "Together we can: #Housing for all" panel at @FollowCII's of #Financing 3.0 Summit

[KPMG India @KPMGIndia]

Release of the @KPMGIndia - @FollowCII report by Amita Sarkar - CII, @tapansinghel - CII, Dr. Manoj Anand - @PFRDAOfficial, Shri Debasish Panda - #IRDAI along with @san_doshi and Narendra Ganpule, KPMG in India at the 24th CII #Insurance and #Pensions Summit, #Mumbai.

[KPMG India @KPMGIndia]

‘#Insurance inclusion’, ‘Insurance consumerisation’, and ‘Insurance personalisation’ are themes that will move the product from ‘push’ to ‘pull’ thereby enabling penetration across all sections of society and reaching the last mile: @San_Doshi @KPMGIndia

@FollowCII

[KPMG India @KPMGIndia]

How #digitalbanks & #fintech solutions are creating a secured & democratised #digitalcommerce? Watch @san_doshi, @KPMGIndia in a panel discussion with distinguished industry experts at @business_today's #BTBankingSummit https://t.co/BCnGiXaStE | #BTBestBanks

[KPMG India @KPMGIndia]

[2/3] in terms of culture, business processes and IT, without making large technology investments while providing a seamless experience for the customer: @san_doshi, @KPMGIndia | #BTBankingSummit #BTBestBanks

[KPMG India @KPMGIndia]

[3/3] Partnerships and collaboration by #banks are moving beyond #customerexperience in retail product focussed #fintechs to start-ups, enabling reaching the interior parts of the country. For ex: Agri startups, SME/MSME fintechs, etc: @san_doshi, @KPMGIndia | #BTBankingSummit

[KPMG India @KPMGIndia]

[1/3] @san_doshi, @KPMGIndia in a panel at the @business_today #BTBankingSummit: Today #banks should look at increasingly investing in innovative “plug and play” collaboration models. These models enable banks and #fintech companies to explore the collaboration...

[KPMG India @KPMGIndia]

Abhimanyu Munjal - Chairman, CII National Forum on #NBFCs & #HFCs; Vishal Kampani - Co-Chair, CII National Forum on NBFCs & HFCs; Sandeep Shah - Principal & Head - Financial Sector - @FollowCII & @san_doshi, @KPMGIndia releasing the KPMG in India - CII report | #5thCIINBFCSummit

[KPMG India @KPMGIndia]

Deploying innovative tools, using technology, unconventional underwriting models and personalised offerings, #NBFCs have played a crucial role in boosting flow of credit to the underserved: @san_doshi, @KPMGIndia at @FollowCII's #5thCIINBFCSummit. #CIIWR

[KPMG India @KPMGIndia]

Release of the @KPMGIndia - @FollowCII report, "Role of #NBFCs and #HFCs in driving sustainable #GDP growth in India" by @san_doshi along with key dignitaries at the CII #NBFC Summit in Mumbai.

#5thCIINBFCSummit #CIIWR

[KPMG India @KPMGIndia]

The ease with which people think about #UPIapps is what is driving them to use some of these apps. At merchant outlets, #QRcodes have captured the market such that it is difficult for a straight reduction in market share to happen: @san_doshi, @KPMGIndia
https://t.co/yZJ0LNQx4A

[KPMG India @KPMGIndia]

The #fintech space has witnessed a correction in valuation and investment flow globally as well as in India. Focus on building scale has now been supplemented by a focus on cash flow and profitability: @san_doshi, @KPMGIndia https://t.co/5fbdeqqW78 | #fintechpulse

[Sanjay Doshi @San_Doshi]

It was a privilege to be part of this strategic deal. Congratulations to DLL International, DLL India and Kotak Mahindra Bank. A perfect blend of industry knowledge, relationship strength, balanced approach and a fantastic team resulted in excellent client service.

[KPMG India @KPMGIndia]

#KPMGDeals | @KPMGIndia acted as the exclusive #financialadvisor to De Lage Landen International B.V., which provides asset-based #financialsolutions for the sale of their India portfolio of Agri and Healthcare Equipment financing to Kotak Mahindra Bank.
#CorporateFinance #MnA

[KPMG India @KPMGIndia]

Op-ed | Customers give higher significance to superlative digital experience, making #digital synonymous with #banking in current times, & making it accessible to non-banked/underbanked population: @san_doshi, @KPMGIndia in an expert piece via @et_insights https://t.co/F3a3hwMgyG