Kyndryl powers smarter banking at Suryoday Small Finance Bank with agentic AI

BENGALURU, India, August 12, 2026 - Kyndryl (NYSE: KD), a leading provider of mission-critical enterprise technology services, and Suryoday Small Finance Bank, a leading Small Finance Bank (SFB) in India, today announced a collaboration to deploy agentic AI-enabled capabilities throughout the enterprise. These new proficiencies will enhance the bank's compliance posture and operational efficiency and elevate the customer service experience. Kyndryl will establish an Agentic AI Center of Excellence (CoE) to help Suryoday Bank identify and utilize opportunities for agentic AI, modernize operations, accelerate service delivery and strengthen responsiveness across its digital and physical channels.

Suryoday Bank will rely on Kyndryl to design and scale agentic AI capabilities that leverage the Kyndryl Agentic AI Framework to reduce customer service response time while improving productivity and efficiency. Improvements will include faster digitization and validation of account-opening forms, and voice-enabled mobile banking support. The Kyndryl Agentic AI Framework enables businesses to move beyond isolated pilots to integrated, intelligent systems that can orchestrate, secure and scale AI agents.

Suryoday Bank will also use agentic AI to help respond to legal enforcement requests, investigate suspicious transactions, and underwrite Micro, Small and Medium Enterprise (MSME) loans. These AI-enhanced capabilities will strengthen regulatory compliance in a rapidly evolving landscape and allow staff to focus on higher-value work.

"Suryoday Bank aims to deliver simple and trusted banking at scale by incorporating a digital-first approach, while maintaining the highest standards of compliance discipline," said Baskar Babu R, MD and CEO, Suryoday Small Finance Bank. "By establishing an Agentic AI Center of Excellence with Kyndryl, we are embedding intelligence across critical customer journeys and operational processes, helping us accelerate onboarding, improve responsiveness and enable our teams to focus on higher-value engagement. This collaboration strengthens our ability to serve customers more effectively today, while building a resilient, future-ready operating model for the bank."

"We are moving towards a world where banks are becoming stewards and symbols of India's economic strength and investor confidence," said Hussain Zaidi, VP-Client Unit Leader, Kyndryl India. "By applying the Kyndryl Agentic AI Framework to embed agentic AI at the core of its operation, Suryoday Bank is setting the benchmark for how small finance banks can use AI to scale responsibly and deliver measurable business outcomes."

Kyndryl's Consult-led approach and experience in applying agentic AI across complex banking environments is helping to enable Suryoday Bank to deliver intelligent automation that is resilient and governed, while enabling innovation at the bank to remain aligned with customer expectations and the bank's long-term growth objectives. Through Kyndryl Consult, Kyndryl aligns a customer's AI strategy with business outcomes, while Kyndryl Vital supports co-creation, user-centered design and rapid prototyping.

This ongoing collaboration marks an important step in Suryoday Bank's journey to deliver next-generation digital capabilities across the bank's operations.