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Pioneering AI Visionary Transforms Global Fintech Landscape

Sandra Shantanu - Global Banking | Finance

Pioneering AI Visionary Transforms Global Fintech Landscape

By Mae Cornes

1 May 2024

Sandra Shantanu is one of the few tenured bankers embracing the revolution of modern financial technology—a sector known for its glacial pace of technological development. 

With a solid educational foundation and 15 years of experience in the field, and prestigious awards to her account,  Shantanu has established herself as a seasoned finance professional and a trendsetter within digital finance.

Education and Subsequent Ventures

Shantanu boasts a Bachelor of Engineering, a Master of Finance, a Master of Management, and a Postgraduate Diploma in Machine Learning from some of the world’s leading institutions. Her education eventually exposed her to the global financial services sector, where she is set to make transformational changes.

Her work primarily focuses on integrating advanced technologies such as artificial intelligence, machine learning, and blockchain to enhance the efficiency and security of financial services.

The UK fintech (financial technology) sector has seen significant advancements in recent years, with the development of digital lending platforms, lending predictability calculators, and sophisticated fraud detection systems. Each of these developments has benefited, in part, from Shantanu’s guiding presence.

Digital Lending Platforms

Digital lending platforms are online services that facilitate the borrowing and lending process without the traditional requirements of a physical bank. These platforms use technology to simplify and expedite loan applications, approvals, and disbursement processes. 

Under Shantanu’s leadership, these platforms have been integrated with user-friendly interfaces and real-time processing capabilities. This accessibility is crucial for increasing financial inclusion, especially in underserved areas with limited or non-existent traditional banking infrastructure.

Lending Predictability Calculators

Lending predictability calculators are advanced analytical tools that use data analytics, artificial intelligence, and machine learning to assess the risk associated with a particular borrower. By analyzing credit scores, repayment histories, and economic trends, these calculators can predict the likelihood of a borrower defaulting. These calculators help lenders make more informed decisions, reducing non-payment risk and enabling more personalized lending rates. 

Shantanu’s work developing these tools has led to more dynamic, responsive, and equitable financial services. “Poor risk management is one of the biggest challenges faced with the modern loan system. People perfectly eligible for a loan may be turned down simply because of a miscalculation on the lender’s part,” states Shantanu.

Fraud Detection Systems

Fraud detection systems are critical in maintaining the integrity and security of financial transactions. Like lending probability calculators, these systems utilize machine learning algorithms to identify unusual patterns that may indicate fraudulent activity. 

By continuously analyzing transactions in real-time, these systems can quickly flag suspicious activities, allowing financial institutions to take immediate action to prevent potential losses. Shantanu’s efforts in developing these systems have strengthened the security measures within the financial sector.

Impact and Future Prospects

Shantanu’s work speaks for itself. It blends advanced technological creations with the more traditional systems of finance and banking. Capitalizing on the recent explosion of artificial intelligence and machine learning has allowed Shantanu to optimize operational efficiency and provide safer, more reliable financial services. 

The financial technology sphere can only hope for further growth in the shape of Shantanu’s inventions. In a recent interview, Shantanu claims, “I am now excited to explore further applications of blockchain technology through research and development. Let’s see what happens next.”

Though only time will tell whether such financial technologies will benefit everyone, there is no doubt that global finance is shifting.

Global Banking & Finance Review


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