As AI moves from hype to hard returns, enterprises are zeroing in on real-time AI to drive smarter, faster decisions. No longer confined to back-office experimentation, AI is being embedded into the core of business operations, where speed and accountability matter most.

This shift demands more than just powerful models. Companies are focusing on responsible frameworks, explainability and customer trust — especially in sectors such as finance, where real-time AI decisions can carry high stakes.

FICO’s Scott Zoldi and Bradesco Bank’s Rafael Cavalcanti talk with theCUBE about real-time AI’s transformative impact.

“We’re in the golden age of AI primarily because we’ve never had so much access to compute, data and AI algorithms,” said Scott Zoldi (pictured, left), chief analytics officer of Fair Isaac Corp. “People are starting to understand there’s a tremendous amount of opportunities to apply AI. At the same time, with all that value, they’re also getting practical about it. They’re understanding that not all AI is generative AI.”

Zoldi and Rafael Cavalcanti (right), CDAO & CRM director at Bradesco Bank SA, spoke with theCUBE’s Rob Strechay at FICO World, during an exclusive broadcast on theCUBE, SiliconANGLE Media’s livestreaming studio. They discussed how AI is reshaping customer experience, operational efficiency and trust, as well as how FICO and Bradesco Bank collaborate closely to embed responsible, real-time AI decisioning into core financial operations, enhancing fraud detection, credit modeling and customer experience. (* Disclosure below.)

Responsible, real-time AI goes from framework to foundation

AI’s maturation today is closely tied to the several tangible improvements to compute power, data access and algorithms. With that maturity has come a tightened focus on applicable use cases, as companies push toward domain-specific, operationalized models that deliver measurable results, according to Zoldi.

“For FICO, responsible AI consists of four major pillars,” he said. “It’s around building the AI responsibly, which means building it correctly. It’s around explainability and interpretability. It’s around ethics, ethical AI, and then accountability and auditability of that AI.”

One such case study in responsible, purposive AI adoption is Brazil’s Bradesco Bank. With FICO’s AI framework, the bank executes instantaneous credit and fraud decisions once managed by entire departments. However, with this power comes an absolute demand for transparency and accuracy. Customers won’t tolerate unexplained decisions, especially in financial services. For Bradesco Bank, responsible AI isn’t a bonus — it’s business-critical, according to Cavalcanti.

“I do think that this golden age brings high expectations of customers as well,” he said. “They want to have that same experience that they have when using streaming solutions or while doing online shopping. They want banks to do that. We need to combine these techniques, and at the same time, understand that what we do has a core value that is privacy and responsibility, and that’s what we do in Bradesco.”

Here’s the complete video interview, part of SiliconANGLE’s and theCUBE’s coverage of FICO World:

(* Disclosure: TheCUBE is a paid media partner for FICO World. Neither FICO, the sponsor of theCUBE’s event coverage, nor other sponsors have editorial control over content on theCUBE or SiliconANGLE.) 

Photo: SiliconANGLE