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About Kuldip Chiheru


Atos FSI Group Industry Director – Banking Platforms

Kuldip Singh Chiheru is Head of strategy in Global Financial Services at Atos. Kuldip has been with Atos since 2008 and his particular area of focus is in the lending and loans division looking at how technology can improve this function for our commercial banking customers and for the sector more generally. Prior to this he worked in the Financial Sector advisory team at KPMG and has also worked for ICAP and HSBC Midland International Banking.




Articles posted by Kuldip Chiheru

Superior origination performance: The key foundational strategies for digital banks

For superior origination performance, combining artificial intelligence (AI)/machine learning (ML) models and automation are key foundational strategies for digital banks. AI/ML, and automation are often treated as separate value chain transformation initiatives. A holistic end-to-end approach to benchmark and transform the value chain with a combined approach can radically deliver both superior origination

Open finance and the open data economy – are they essential elements for future digital banking business models?

For superior origination performance, combining artificial intelligence (AI)/machine learning (ML) models and automation are key foundational strategies for digital banks.There is no question that open banking has empowered a growing number of consumers through providing more choice and richer banking products and services

Is it time to rethink your buy now pay later (BNPL) business model?

In recent years, the highly successful “buy now, pay later” (BNPL) embedded finance market has experienced huge growth, and now stands at more than $100 billion. It is expected to grow by 45% CAGR to reach $3.6 trillion by 2030. According to the UK Financial Conduct Authority, BNPL quadrupled in…