RBI ke Deputy Governor Rohit Jain ne banks ko warning di hai ki digital failures ab ek bada systemic risk hain. Regulatory pressure badhne wala hai, aur iska seedha asar bank ke kharchon par pad sakta hai.
RBI ke Deputy Governor Rohit Jain ne saaf keh diya hai ki Indian lenders ke liye tech failures ab sirf choti baat nahi, balki ek critical systemic risk ban chuke hain. State Bank of India Banking Conclave mein unhone bataya ki bank ki health aur stability ab puri tarah se digital infrastructure par depend karti hai.
Boards ko ab active hona padega
Regulator chahta hai ki banks ab IT issues ko sirf 'back-office' ka kaam na samjhein. Tech ko ab main risk ki tarah treat karna hoga. India mein digital growth ka scale dekho—UPI par August 2026 mein 24.9 billion transactions hue, jinki value lagbhag ₹30 Lakh Crore thi. Itne bade network mein zara si galti ka asar massive hota hai.
Third-party vendors par RBI ki nazar
Banks aksar cloud aur software ke liye bahar ki companies par depend karte hain. RBI ne warning di hai ki agar vendor ki galti se system fail hota hai, toh bhi accountability bank ki hi hogi. Service access ya customer data ko lekar koi compromise bardasht nahi kiya jayega.
AI aur future investments
Banks jo AI ka use credit ya fraud detection ke liye kar rahe hain, uspar bhi regulator ne brake lagaye hain. Governance aur control pehle aayega, scale baad mein.
Investors ke liye kya matlab hai?
Banks ko ab cybersecurity aur redundant systems par zyada paisa kharch karna padega. Iska matlab hai ki short-term mein unke operating margins par dabav aa sakta hai. Investors ko ab management ki commentary par nazar rakhni chahiye ki wo tech upgrade ke liye kitna kharch kar rahe hain aur regulator ki penalties se kaise bach rahe hain.