Hi Salil,
First, thanks for your service to the banking industry in India 
.
You must have witnessed how banking has evolved and transformed over these years. What according to you are a few things that has hardly changed in the banking industry during the course and shall continue to be ?
Further, would like to know in what areas Jupiter is planning to employ machine learning (AI-ML-DL), which I believe is another leap forward technology in the banking industry.