Fractal

Money20/20 made one thing clear: financial services isn't asking what AI can do anymore. It's asking what AI can be trusted to run. Four signals stood out in Las Vegas, and each one aligns with how Fractal builds. 1. Agentic commerce needs guardrails before autonomy. Permissions, accountability, and auditability now count for as much as intelligence. It's why we built Cogentiq, our enterprise agentic AI platform, with governance, traceability, and control from day one. 2. Leaders are comfortable with AI helping them decide, not with AI executing the transaction. So we start with a human in the loop and add autonomy step by step. Risk, fraud, and operations teams stay in charge, and agents take on more as trust is earned. 3. Stablecoins and agent-led payments are becoming infrastructure. We help organizations get their data clean, connected, and governed, which is what real-time, interoperable payment ecosystems depend on. 4. The real value sits in the exceptions. We point agents at the costly, complex work: disputes, fraud alerts, KYC escalations, and reconciliation breaks. That's where the biggest business impact is. Turning promising AI capabilities into measurable business value is what we do: AI-led Transformation (AIT) to redesign the process, AI Foundations (AIF) to make data and platforms production-grade, and AI Work & Workforce (AIW) to get the workforce ready. Thanks to everyone who took the time to meet Leandro DalleMule, Gaurav Sharma, and Tarun Kishnani at the event.

“AI is going to change the world, and we have to leverage this opportunity to build a better world.” In his conversation with Deepak Ajwani on The Economic Times AI Podcast, Srikanth explores how AI is moving from possibility to practice, transforming the way businesses work and create value. From real-world applications to the future of human + AI collaboration, this episode offers key insights for leaders navigating the AI era. At Fractal, we believe the future belongs to people and machines working together. Watch the full podcast: : youtube.com/watch?v=ZNqVIP-A…

We've published a new white paper on building a scalable healthcare AI operating system that includes a practical 90-day agenda for healthcare payers and providers looking to move beyond pilots. As healthcare organizations scale AI, model quality alone isn't enough. Governed data, business context, runtime controls, and trusted workflows are equally critical to making AI a reliable part of everyday operations. In this white paper, Kishore Bharatula outlines the foundations and practical priorities for moving AI from isolated use cases to measurable business value. If you're moving beyond pilots and planning for enterprise-scale AI, this is a useful place to start. Read the white paper: fractal.ai/whitepaper/health…

A big welcome to our new CFO, Shilpa Kedia! With over 20 years of global experience leading finance functions across consumer, healthcare, and technology sectors, Shilpa brings a wealth of expertise and fresh energy to our next chapter of growth. We’re thrilled to have her on board! Here’s to new leadership, fresh perspectives, and exciting times ahead.

Pilots don't move the P&L. Production does. That's the conversation we're bringing to Money20/20. Fractal helps financial services leaders turn AI into measurable impact, built on three pillars that work as one system: ▫️ AIT | AI-led Transformation: Rewire core workflows for speed, efficiency, and sharper customer outcomes ▫️ AIF | AI Foundations: Data, governance, and tech that make AI reliable on enterprise data ▫️ AIW | AI Work & Workforce: Redesign work and talent for the AI-native enterprise Powering them all is Cogentiq, our agentic AI platform, purpose-built to scale beyond the proof of concept. If accelerating AI impact across your business is on your agenda, let's meet. 🤝 Find our experts at Money20/20 📩 Schedule ahead: [email protected]

How can pharma organizations move from AI-powered insights to trusted commercial decisions? At the 2026 PMSA Symposium, in Princeton, New Jersey, Fractal will present a practical framework for Context Engineering for Agentic Pharma Intelligence, exploring how enterprise data, business knowledge, governance, and human oversight can help AI agents deliver more reliable and actionable intelligence. Join Fractal’s Deepak Panigrahi, Principal Consultant and Sagar Shah, Pharma Practice Head & Partner, as they demonstrate how context-aware AI can support commercial pharma use cases, from HCP engagement and forecasting to market access analytics and launch planning. October 27, 2026 | 3:10–3:55 PM Session: Breakout 8A | 2026 PMSA Symposium, Princeton, New Jersey

Moving AI from pilot to production requires more than experiments. It demands enterprise scale and measurable business outcomes. Join Fractal at the AWS Data & AI Day in Melbourne on Monday, 19 October (Sofitel Melbourne on Collins). We will be zeroing in on three core imperatives: 🔸 AI-Led Foundations: Modern data architectures built to take AI into production. 🔸 Transformation & Agentic AI: Applying agentic workflows across core operations to elevate decision-making and customer engagement. 🔸 Workforce & Operating Models: Aligning people and processes so business teams can actually adopt and scale AI. Stop by the Fractal booth to connect with our team or message our team to directly to catch up on the day, we would welcome the conversation. Event details: aws.experience.com/ap/smb/u/…

A new presence in Qatar. Another milestone in Fractal’s growth. We have incorporated 𝐅𝐑𝐀𝐂𝐓𝐀𝐋 𝐀𝐈 𝐐𝐅𝐙 𝐋𝐋𝐂 in the Qatar Free Zones, extending our global footprint and strengthening our presence in the Middle East. The new entity will bring Fractal’s enterprise AI and technology expertise to the Qatari and broader regional markets, helping organizations accelerate AI-led transformation with Agentic AI, Generative AI, and AI-powered business solutions that drive growth, efficiency, and better decision-making. We’re proud to take this next step in our growth by building regional delivery capabilities and strengthening connections with our clients in Qatar and across the Middle East.

AI agents are moving beyond pilots and reshaping how enterprises operate, decide, and scale. At the Amazon Web Services (AWS) 𝐀𝐈 𝐄𝐱𝐞𝐜𝐮𝐭𝐢𝐯𝐞 𝐅𝐨𝐫𝐮𝐦 – 𝐌𝐮𝐦𝐛𝐚𝐢 𝐄𝐝𝐢𝐭𝐢𝐨𝐧, Anindya Sengupta will join the roundtable: “𝐓𝐡𝐞 𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐄𝐧𝐭𝐞𝐫𝐩𝐫𝐢𝐬𝐞: 𝐑𝐞𝐢𝐦𝐚𝐠𝐢𝐧𝐢𝐧𝐠 𝐖𝐨𝐫𝐤 𝐰𝐢𝐭𝐡 𝐀𝐈 𝐀𝐠𝐞𝐧𝐭𝐬.” The invite-only forum brings senior business and technology leaders together to explore how AI can become a source of competitive advantage. Anindya will discuss the leadership challenge behind that shift: using AI agents to rethink how work gets done and translate ambition into practical business impact. Explore the event: aws-experience.com/apj/smb/e…

𝐀𝐬 𝐀𝐈 𝐭𝐚𝐤𝐞𝐬 𝐨𝐧 𝐦𝐨𝐫𝐞 𝐨𝐟 𝐟𝐢𝐧𝐚𝐧𝐜𝐞, 𝐂𝐅𝐎𝐬 𝐦𝐮𝐬𝐭 𝐝𝐞𝐜𝐢𝐝𝐞 𝐰𝐡𝐞𝐫𝐞 𝐭𝐨 𝐝𝐫𝐚𝐰 𝐭𝐡𝐞 𝐥𝐢𝐧𝐞 𝐛𝐞𝐭𝐰𝐞𝐞𝐧 𝐚𝐮𝐭𝐨𝐦𝐚𝐭𝐢𝐨𝐧 𝐚𝐧𝐝 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐜 𝐨𝐯𝐞𝐫𝐬𝐢𝐠𝐡𝐭. Fractal is excited to be part of the 𝐈𝐧𝐝𝐢𝐚 𝐂𝐅𝐎 𝐒𝐮𝐦𝐦𝐢𝐭 𝟐𝟎𝟐𝟔 in New Delhi on October 09. Our leaders, Shipra Sooden, Global Head, CFO Advisory & Finance AI, and Rishi Seth, India Business Head, will share a practical view of autonomous finance and the role finance leaders will play in shaping it. Drawing on real-world transformation initiatives and our work with Cogentiq Invoice to Cash, they’ll explore where Agentic AI can make an impact, from accelerating collections and optimizing working capital to enabling smarter decisions across the invoice-to-cash lifecycle. Shipra will also moderate a panel on the evolving CFO mandate and the road to Finance 2030. Attending? Come meet our team. Or book a demo to see Cogentiq Invoice to Cash in action: fractal.ai/products/cogentiq…

At 𝐓𝐡𝐞 𝐒𝐮𝐦𝐦𝐢𝐭 𝐟𝐨𝐫 𝐀𝐬𝐬𝐞𝐭 𝐌𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭 (𝐓𝐒𝐀𝐌) 𝟐𝟎𝟐𝟔, a clear shift was evident across asset and wealth management: 𝐀𝐈 𝐢𝐬 𝐦𝐨𝐯𝐢𝐧𝐠 𝐟𝐫𝐨𝐦 𝐞𝐱𝐩𝐞𝐫𝐢𝐦𝐞𝐧𝐭𝐚𝐭𝐢𝐨𝐧 𝐭𝐨 𝐞𝐱𝐞𝐜𝐮𝐭𝐢𝐨𝐧. Enterprise value creation is becoming the top priority, and strong engagement from senior leaders is reinforcing AI's position on the board agenda. Based on our conversations with attendees across the industry, the following themes stood out: 🔸 Operations and productivity remain the primary focus of AI investment. 🔸 Responsible AI adoption is becoming a strategic priority. 🔸 Domain-specific solutions that address real asset and wealth management challenges are in growing demand. As AI ambition continues to grow, competitive advantage will come from effectively translating that ambition into enterprise value.

𝐅𝐫𝐚𝐧𝐜𝐡𝐢𝐬𝐨𝐫𝐬 𝐰𝐚𝐧𝐭 𝐦𝐨𝐫𝐞 𝐫𝐞𝐯𝐞𝐧𝐮𝐞, 𝐬𝐭𝐫𝐨𝐧𝐠𝐞𝐫 𝐟𝐫𝐚𝐧𝐜𝐡𝐢𝐬𝐞𝐞𝐬, 𝐚𝐧𝐝 𝐚 𝐜𝐨𝐧𝐬𝐢𝐬𝐭𝐞𝐧𝐭 𝐜𝐮𝐬𝐭𝐨𝐦𝐞𝐫 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 𝐚𝐜𝐫𝐨𝐬𝐬 𝐞𝐯𝐞𝐫𝐲 𝐥𝐨𝐜𝐚𝐭𝐢𝐨𝐧. The challenge is that thousands of conversations happen every day, and valuable opportunities are often missed. That's why we're excited to be at 𝐅𝐋𝐃𝐂𝟐𝟔. At Booth F1, we'll showcase how Cogentiq CX, our agentic AI solution, helps franchisors: 🔸 Engage with franchise candidates the moment they show interest 🔸 Answer customer inquiries during peak periods, after hours, and when locations are busy serving customers 🔸 Uncover insights from customer interactions across the network 🔸 Capture opportunities that may otherwise be missed From customer inquiries and appointments to franchise development conversations, Cogentiq CX helps ensure every interaction contributes to growth. 𝐎𝐮𝐫 𝐭𝐞𝐚𝐦 𝐚𝐭 𝐅𝐋𝐃𝐂𝟐𝟔: 🔸 Lou Boudreau, Head of Growth – Cogentiq CX 🔸 Gautam Kumar, Head of Enterprise Sales – Cogentiq CX Visit us for a live walkthrough to see how agentic AI can move the needle on your franchise development𝐟𝐫𝐚𝐧𝐜𝐡𝐢𝐬𝐞 𝐝𝐞𝐯𝐞𝐥𝐨𝐩𝐦𝐞𝐧𝐭 and 𝐜𝐮𝐬𝐭𝐨𝐦𝐞𝐫 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 𝐠𝐨𝐚𝐥𝐬. 𝐁𝐨𝐨𝐭𝐡 # 𝐅𝟏 | 𝐅𝐋𝐃𝐂𝟐𝟔 | 𝐎𝐜𝐭 𝟓-𝟖 | 𝐈𝐧𝐭𝐞𝐫𝐂𝐨𝐧𝐭𝐢𝐧𝐞𝐧𝐭𝐚𝐥 𝐁𝐮𝐜𝐤𝐡𝐞𝐚𝐝, 𝐀𝐭𝐥𝐚𝐧𝐭𝐚

The economics of AI are changing fast. The question is no longer simply, "What does AI cost?" It's becoming, "𝐖𝐡𝐚𝐭 𝐛𝐞𝐜𝐨𝐦𝐞𝐬 𝐩𝐨𝐬𝐬𝐢𝐛𝐥𝐞 𝐰𝐡𝐞𝐧 𝐢𝐧𝐭𝐞𝐥𝐥𝐢𝐠𝐞𝐧𝐜𝐞 𝐛𝐞𝐜𝐨𝐦𝐞𝐬 𝐢𝐧𝐜𝐫𝐞𝐚𝐬𝐢𝐧𝐠𝐥𝐲 𝐚𝐜𝐜𝐞𝐬𝐬𝐢𝐛𝐥𝐞?" In a recent conversation with Debangana Ghosh from @moneycontrolcom, @srikanth shared his perspective on this shift, including Fractal's planned investment of up to $10 million in tokens for R&D and internal usage. As AI becomes more deeply embedded in enterprise workflows, token economics will increasingly shape how organizations experiment, build, and scale value from AI. Read the full story: moneycontrol.com/artificial-…

We’re proud to share that Fractal’s 𝐂𝐨𝐠𝐞𝐧𝐭𝐢𝐪 𝐈𝐧𝐯𝐨𝐢𝐜𝐞 𝐭𝐨 𝐂𝐚𝐬𝐡 platform won 𝐎𝐮𝐭𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐔𝐬𝐞 𝐨𝐟 𝐓𝐞𝐜𝐡𝐧𝐨𝐥𝐨𝐠𝐲 𝐢𝐧 𝐅𝐢𝐧𝐚𝐧𝐜𝐞, and Shipra, Head of CFO Analytics & Digital Finance Transformation, was recognized as 𝐀𝐈-𝐥𝐞𝐝 𝐓𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 𝐋𝐞𝐚𝐝𝐞𝐫 𝐨𝐟 𝐭𝐡𝐞 𝐘𝐞𝐚𝐫 𝐚𝐭 𝐭𝐡𝐞 𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐓𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 𝐒𝐮𝐦𝐦𝐢𝐭 & 𝐀𝐰𝐚𝐫𝐝𝐬 𝟐𝟎𝟐𝟔. This recognition reflects the real-world impact Cogentiq Invoice to Cash delivers for finance teams - unlocking cash, improving operational efficiency and driving meaningful bottom-line impact. At the heart of the platform is a simple belief: AI works best when it empowers people, not replaces them. Five specialized agents work across the receivables lifecycle, surfacing recommendations along with the reasoning and confidence behind them. Every decision remains in human hands, creating the transparency, accountability, and trust organizations need to scale AI responsibly. A huge congratulations to Shipra and heartfelt thanks to the incredible teams whose expertise, passion, and collaboration made this achievement possible. We're excited for what comes next.

𝐖𝐡𝐚𝐭 𝐦𝐚𝐤𝐞𝐬 𝐅𝐫𝐚𝐜𝐭𝐚𝐥 𝐨𝐧𝐞 𝐨𝐟 𝐈𝐧𝐝𝐢𝐚’𝐬 𝐛𝐞𝐬𝐭 𝐩𝐥𝐚𝐜𝐞𝐬 𝐭𝐨 𝐰𝐨𝐫𝐤 𝐟𝐨𝐫 𝐰𝐨𝐦𝐞𝐧, 𝐲𝐞𝐚𝐫 𝐚𝐟𝐭𝐞𝐫 𝐲𝐞𝐚𝐫? The answer lies in a thousand everyday moments: a voice heard, an idea backed, a career given room to grow, a leader who opens a door... They're what make recognition like this meaningful. We're proud to share that Fractal has been recognized among 𝐈𝐧𝐝𝐢𝐚’𝐬 𝐓𝐨𝐩 𝟓𝟎 𝐁𝐞𝐬𝐭 𝐖𝐨𝐫𝐤𝐩𝐥𝐚𝐜𝐞𝐬™ 𝐟𝐨𝐫 𝐖𝐨𝐦𝐞𝐧 𝟐𝟎𝟐𝟔, in the Large category, by @GPTW_India. This is our second consecutive year in the Top 50 and our seventh consecutive year among India’s Top 100 Best Workplaces for Women.

𝐖𝐞'𝐫𝐞 𝐡𝐞𝐚𝐝𝐢𝐧𝐠 𝐭𝐨 𝐈𝐓𝐂 𝐕𝐞𝐠𝐚𝐬. We're excited to connect with insurance leaders who are looking for practical ways to get real value from AI and improve outcomes across underwriting, claims, and customer experience. That's where we're focused. At Fractal, we help insurers put AI to work across the business, combining deep insurance expertise with the right data, technology, and adoption strategies. And with Cogentiq, we're bringing agentic AI into enterprise workflows to support better decisions and help teams do more with their expertise. Interested in the conversation? Let's connect. September 29 - October 1 | Mandalay Bay, Las Vegas Email: [email protected]

We just won 𝗚𝗢𝗟𝗗 at the Brandon Hall Group Awards 2026. 𝗙𝗿𝗮𝗰𝘁𝗮𝗹 𝗜𝗻𝘁𝗲𝗿𝗻𝗮𝗹 𝗖𝗲𝗿𝘁𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻𝘀 - Best Certification Program We built a way for practitioners to prove their AI, data, and engineering expertise. Not just learn it. Own it. 𝗚𝗲𝗻𝗔𝗜 𝗨𝗽𝗹𝗶𝗳𝘁 - Best Program for Upskilling Employees We took our entire workforce from "what's GenAI?" to "let's ship it." Real skills. Real readiness. Thank you to the teams behind these programs, and to everyone who trusted them to build their AI skills.