AI is now at the centre of every enterprise transformation conversation, with banks and large Indian enterprises looking beyond productivity gains to reinvention and competitive differentiation, said Rishi Aurora, Managing Partner, IBM Consulting India and South Asia.
“AI is an integral part of any discussion with clients today. Every banking client expects us to talk about AI’s benefits. We see use cases in AI across app modernization, IT modernization, customer onboarding, customer services, and compliance,” he said.
According to a study from the IBM Institute for Business Value, 79 per cent surveyed executives expect AI to contribute to their revenue by 2030, up from 40 per cent today.
Yet, only 24 per cent have a clear view of where that revenue will come from. Despite this uncertainty, investment is accelerating: respondents predict that AI investment will surge approximately 150 per cent between now and 2030.
He said that ROI discussions currently centre on productivity gains and efficiency improvements, but the real returns from AI will emerge when it drives differentiation through the reinvention of business models, products, services, and new revenue streams. Organizations increasingly view AI as a growth multiplier.
“There is differentiation in terms of revenue enhancement through more products and services, better customer management or service, and lower operations costs—by bringing in efficiencies. To get to this, there is an entire operating model change. You cannot just force-fit your current processes into AI solutions and expect these outcomes to be delivered. Operating model change will be a big factor in getting to the outcomes,” Aurora said.
While financial services form a significant part of its business, IBM Consulting also serves telecom, insurance, and NBFC clients, along with GCCs, public services, manufacturing, retail, and energy and utilities sectors.
In telecom, IBM is working with a leading Indian operator to use its AI technologies to accelerate turnaround times for digital initiatives. In banking, it is partnering with a large lender to infuse AI into a lakehouse platform it built, enabling targeted campaigns and advanced analytics.
In manufacturing, IBM is using its Watson platform to help a major cement company detect and resolve production anomalies arising from the integration of new systems.
Published on March 10, 2026
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