W e use AI in nearly everything we do now , we just don ’ t realise it ” Varadhan says . “ The technology has become so prevalent and has proved to have many useful applications across a variety of different industries , banking and financial services included . If you look more broadly , the commercial advantages of employing AI have been significant – look at Amazon , Uber or Metro , as well as countless other tech companies . They all have AI embedded in their service offering and , as a consequence , the technology has dramatically transformed the consumer experience . This is particularly true in the sense that AI brings personalisation – and now hyper-personalisation – to any number of services , and it ’ s really important to consumers ; if something understands me , my behaviours , tastes and needs , as well as my ways of working and living , then of course I welcome any product that is tailored to that degree .”