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HOW TO STOP MIS-SELLING OF FINANCIAL PRODUCTS
The Morning Standard
|February 16, 2026
BANKING has moved from physical branches to the palm of your hand.
With voluminous data analytics and the latest technology to mine that information, you are inundated with automated messages and calls. In the latest conference call with analysts, Bajaj Finance's management provided a detailed analysis of how the company is using AI to boost credit growth.
In the quarter gone by, Bajaj Finance reported loan disbursements of ₹1,600 crore, or nearly 10% of total loan disbursements, through AI-powered call centres. This is a significant boost to future profit prospects, as the company spends less on average customer acquisition or loan costs. The company promises to up the game. The stock market loved the idea. Bajaj Finance shares jumped last Friday, even as overall market sentiment was negative. Bajaj Finance is not alone. Every other bank and non-banking finance company that sells loans and financial products to you is likely to use Artificial Intelligence tools for outreach.
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