Author: Rathes Sriram

Rathes Sriram supports the Business Engineering Institute St. Gallen as a research associate and PhD candidate specializing in data and AI in banking. His research focuses on data-driven decision-making processes, automation, and artificial intelligence in the financial sector. With an academic background in mathematics (MSc, University of Zurich) and professional experience as an IT consultant in Zurich, he combines analytical strength with practical implementation. In various projects at major Swiss banks, he was responsible for the development and implementation of solutions in the areas of data migration, reconciliation, and automation. He used Python and SQL to optimize complex processes and make data usable as a measurable value for the business. Through a combination of research, teaching, and consulting, he is working to design scalable, data-driven solutions for the banking of the future.

From Data to Decisions: AI along the Mortgage Value Chain

Posted on By

Artificial Intelligence offers enormous transformation potential along the entire mortgage value chain. Whether in property search, application processing, property valuation, or credit decisions, AI can not only accelerate and streamline processes but also improve them qualitatively.
What matters is a responsible approach to these technologies. Explainable models, robust data quality, and clear regulatory frameworks form the foundation. In addition, the principle of the human in the loop plays a central role, since in critical phases, human judgment remains indispensable.
Those who manage to combine technological innovation with trust, transparency, and customer value can help shape the mortgage world of the future.
I look forward to continuing the discussion and to developing concrete solutions together with partners.

Continue reading »
AI, All, Digitization, News, Nicht kategorisiert, technologies