At a glance, the notification queued up on HDFC Bank’s internal marketing dashboard looked like any other campaign waiting to go out.

It was an investment offer, aimed at salaried customers, the ones the bank’s own behavioural models had pegged as likely investors. It was set to pop up in the bank’s mobile app on 1 June, payday for most of them.

Somehow, the AI agent the bank had built to run its behavioural models had worked with the one built to test campaigns. Between them, they had come up with an offer for a........

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