The RBI just warned that while AI can stop fraud and boost efficiency, it can also become a weapon for hackers. The real surprise? It’s not about having the fanciest tech. It’s about who controls it. Banks can’t hide behind IT teams anymore; boards must own cybersecurity. One misstep in AI pricing, credit scoring, or fraud detection could ripple across the entire financial system. And here’s the kicker: attackers have access to the same AI tools. So the winner isn’t the one with better algorithms; it’s the one with better judgment, oversight, and discipline. Human eyes still matter; more than ever. As AI scales, so do errors. And in banking, a single glitch can shut down payments, freeze loans, or lock customers out. This isn’t just tech risk. It’s business risk. The time to act is now; before the next cyber crisis hits. Stay sharp.