At Samvad 2026, top economists and former governors warned that AI, digital payment glitches, and global tensions could trigger the next financial crisis. Imagine this: your UPI transaction gets hacked not by a human, but by an AI bot. Or your bank’s lending decision is made by an untested algorithm. Sounds sci-fi? It’s already on the radar of India’s financial watchdogs. The real surprise? RBI isn’t trying to slow tech down; they’re trying to make sure it doesn’t crash the entire system. Financial inclusion? Still important. But now, it’s not just about opening bank accounts; it’s about making sure digital money works for everyone, safely. As AI reshapes finance, regulators are racing to stay ahead; not behind. If you’re preparing for banking or economic exams, this is the topic you can’t ignore. Because the future of money isn’t just digital; it’s also dangerous. And India’s watching closely.