FiMI Banking: A Sovereign Model for Indian Retail Banking
Banks need conversational systems that can answer product questions, assist customers with account-related requests, and operate safely within strict operational and regulatory constraints. General-purpose language models do not reliably meet these requirements. They fall short when a task requires grounded information, correct tool use, or cautious handling of bank-specific sensitive situations. We introduce FiMI Banking, a controlled Indian retail-banking setting. We build it from vetted banking documents, structured ground truth, synthetic customer backgrounds, and banking tools. We evaluate two post-training approaches: preference optimization for response-level behavior, and reinforc...
| Authors | NPCI AI Research Team, Aman Kumar, Asit Desai et al. |
|---|---|
| Primary category | cs.AI |
| Published | 3 September 2026 |
| Last updated at source | 3 September 2026 |
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