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Agentic IVR

Practical Patterns for Voice Automation Across Healthcare, Finance, and Retail Modern voice-automation systems are becoming increasingly powerful, especially in industries like healthcare, finance, and retail, where many phone-based requests follow predictable workflows. With the right design, an agentic IVR (Interactive Voice Response) system can complete a large share of customer interactions end-to-end. In my recent […]

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Could a Payments Graph Transform How We Understand Spend Behavior?

Could a Payments Graph Transform How We Understand Spend Behavior? October 24, 2025 Building on Tony Seale’s framing of graphs as living systems—where knowledge emerges through relationships—this piece explores how a Payments Graph could transform our understanding of value flow. It’s a shift from transactions to interactions, and from prediction to agentic orchestration. Let’s reimagine

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The Age of Agentic Alignment: Why Leaders Must Manage Humans and AI Agents

The Age of Agentic Alignment: Why Leaders Must Manage Humans and AI Agents By Jyothsna Santosh AI & Data Science Leader | Human-Centered Innovation | Banking, Retail & Healthcare | Shaping Scalable, Trusted Intelligence Systems October 8, 2025 Introduction — The Shift in Leadership Leadership has always been about alignment. The task of leaders is

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The Wealth Intelligence Graph: Building an Agentic Foundation for Personalized Advice

The Wealth Intelligence Graph: Building an Agentic Foundation for Personalized Advice By Jyothsna Santosh AI & Data Science Leader | Human-Centered Innovation | Banking, Retail & Healthcare | Shaping Scalable, Trusted Intelligence Systems August 23, 2025 As companies race to adopt AI, one pattern keeps emerging: tool sprawl. Multiple chatbots, point solutions, and disconnected “smart”

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Does Data Location Still Matter?

Does Data Location Still Matter? Jyothsna Santosh Jyothsna Santosh AI & Data Science Leader | Human-Centered Innovation | Banking, Retail & Healthcare | Shaping Scalable, Trusted Intelligence Systems July 31, 2025 Enterprises Can derive Value Without Moving Every Byte Enterprise data is everywhere, and often everywhere at once. It lives across: Legacy systems (IBM mainframes,

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From Chatbots to Colleagues: Building Multi-Agent LLM Systems That Think, Plan, and Collaborate

From Chatbots to Colleagues: Building Multi-Agent LLM Systems That Think, Plan, and Collaborate Jyothsna Santosh Jyothsna Santosh AI & Data Science Leader | Human-Centered Innovation | Banking, Retail & Healthcare | Shaping Scalable, Trusted Intelligence Systems July 17, 2025 Introduction Large language models are more than just chatbots. With the right scaffolding, they become planners,

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From A/B to Accountability: Rethinking Experimentation in Dynamic, Real-Time Systems

From A/B to Accountability: Rethinking Experimentation in Dynamic, Real-Time Systems By Jyothsna Santosh – AI & Data Science Leader | Human-Centered Innovation | Banking, Retail & Healthcare | Shaping Scalable, Trusted Intelligence Systems In the age of digital optimization, experimentation is everywhere—from headline tests on e-commerce pages to algorithmic recommendations in financial apps. But here’s

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Anonymize Everything, Then Activate Everything.

Anonymize Everything, Then Activate Everything. Jyothsna Santosh Jyothsna Santosh AI & Data Science Leader | Human-Centered Innovation | Banking, Retail & Healthcare | Shaping Scalable, Trusted Intelligence Systems July 9, 2025 Picture this: your enterprise sits on a mountain of valuable data, customer behavior logs, transactional histories, engagement signals, flowing in from dozens of business

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