Whitepapers

Technical deep-dives
for data leaders.

In-depth analyses on sovereign AI architecture, data residency, federation strategy, and agentic AI — for CDOs, CTOs, CISOs, and enterprise architects in regulated industries.

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latest papers.

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Sovereign AI for Indian Public Sector Banking

A PII Data Boundary Architecture for Hybrid Cloud Agentic AI

Public Sector Banks must adopt agentic AI at scale while production PII stays inside Indian jurisdiction and under the bank's effective control. This reference architecture keeps applications, customer data and the PII boundary entirely on-premises, using cloud GPU inference only on de-identified token payloads — so original PII never leaves the bank.

  • Aligned to DPDP Act 2023, the RBI FREE-AI Framework, UIDAI Aadhaar masking and CERT-In directions
  • Four technical deep-dives: egress DLP rule set, IndicBERT fine-tuning, Open Policy Agent re-identification policies, Finacle-grade tokenisation
  • Federated data governance across on-prem and cloud, plus AI governance for cloud-hosted models
Sovereign AIBFSIGovernanceArchitecture
PDF · 75 pages Download PDF ↓
Available Now

India's National RRB Stack

Tantor as the digital nerve centre and intelligence hub for regional rural banks

Regional Rural Banks serve over 40 crore customers across 22,000+ branches, and consolidation under “One State, One RRB” has left them managing roughly 31.33 crore deposit and 3.03 crore loan accounts on fragmented, pre-merger systems. This paper sets out a unified intelligence layer that connects those systems rather than replacing them.

  • The data foundation: federating CBS, LOS, KYC/CKYC, SHG/JLG, credit bureau and weather & agri sources into one model
  • The intelligence layer: specialised AI apps for credit decisioning, early NPA prediction and instant digital onboarding
  • Built for supervisory transparency — reporting that stands up to NABARD and sponsor-bank scrutiny
Rural BankingFederationAgentic AINABARD
PDF · 17 pages Download PDF ↓
Available Now

Owning the Moment

Why real-time, explainable mule prevention belongs to the bank

Real-time payment rails have made fraudulent transfers irreversible — a mule account moves stolen funds before periodic monitoring can catch them. This paper, written for CXOs and the risk committee, makes the case for a bank-owned prevention layer that can hold a suspect payment on the bank's own rails for an accountable human decision, before the funds leave.

  • More than 24.67 lakh mule accounts identified in India against ₹22,845.73 crore in citizen-reported cyber-fraud losses in 2024 (MHA / I4C)
  • Why rule-based transaction monitoring falls short — rigid, noisy, late, and blind to account network structure
  • Explainability and precision as board-owned requirements: defensible to the regulator, governable by the bank, calibrated to its risk appetite
Fraud PreventionBFSIRisk & ComplianceReal-Time AI
PDF · 43 pages Download PDF ↓

Frequently asked
questions.

What whitepapers does Tantor offer?

Three are available now, all free to download. Sovereign AI for Indian Public Sector Banking is a 75-page PII data boundary architecture for hybrid-cloud agentic AI, aligned to the DPDP Act 2023, the RBI FREE-AI Framework, UIDAI Aadhaar masking and CERT-In directions. India’s National RRB Stack sets out a unified data and intelligence layer for regional rural banks consolidating under “One State, One RRB”. Owning the Moment makes the case, for CXOs and the risk committee, for a bank-owned real-time mule-prevention layer.

Who should read Tantor whitepapers?

Tantor whitepapers are written for data and technology leaders — CDOs, CTOs, CISOs, chief risk officers, and enterprise architects — who need in-depth analysis of sovereign AI architecture, data residency, federation strategy, and agentic AI in regulated industries. The banking papers are equally relevant to compliance and supervisory teams.

Are Tantor whitepapers free to download?

Yes. All three papers are free and ungated — no form to fill in. Download the PDF directly and share it with your team. Subscribe to be notified when we publish the next one.

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