Kyndryl and Suryoday Small Finance Bank have announced a collaboration to deploy agentic AI capabilities across the bank, with a focus on improving customer experience, operational efficiency and regulatory compliance.
As part of the collaboration, Kyndryl will establish an Agentic AI Center of Excellence (CoE) for Suryoday Small Finance Bank. The CoE will help the bank identify and scale opportunities for agentic AI, modernise operations and accelerate service delivery across its digital and physical channels.
Suryoday Bank will leverage the Kyndryl Agentic AI Framework to develop and scale AI-enabled capabilities aimed at reducing customer service response times and improving workforce productivity. Key applications will include faster digitisation and validation of account-opening forms and voice-enabled support for mobile banking.
The collaboration will also explore the use of agentic AI in critical banking and compliance functions, including responding to legal enforcement requests, investigating suspicious transactions and supporting the underwriting of Micro, Small and Medium Enterprise (MSME) loans. These capabilities are expected to strengthen the bank’s compliance processes while enabling employees to focus on higher-value activities.
“By establishing an Agentic AI Center of Excellence with Kyndryl, we are embedding intelligence across critical customer journeys and operational processes, helping us accelerate onboarding, improve responsiveness and enable our teams to focus on higher-value engagement,” said Baskar Babu R, MD & CEO, Suryoday Small Finance Bank.
Hussain Zaidi, VP-Client Unit Leader, Kyndryl India, said the collaboration demonstrates how small finance banks can use AI to scale responsibly and deliver measurable business outcomes. He added that embedding agentic AI into core operations can help banks strengthen their capabilities while supporting India’s evolving financial ecosystem.
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Kyndryl will support the initiative through its consult-led approach, with Kyndryl Consult helping align AI strategy with business objectives and Kyndryl Vital supporting co-creation, user-centred design and rapid prototyping.
The collaboration marks a significant step in Suryoday Small Finance Bank’s efforts to build next-generation digital capabilities and establish a more intelligent, resilient and future-ready operating model.
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