FirstHand
My attempt to chronicle the evolution of digital platforms in banking and adjacent markets—from the inside of a $300B global bank.
Former President & CDO • Led digital transformation serving 200M+ customers •Read my full story →
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Deep dive into the latest trends shaping the digital banking landscape
Kicked Upstairs
For two centuries, we’ve relied on a comforting pattern: when machines take our muscle, we climb to the mind. But what happens when the machines start automating thinking itself? We are facing a transition that removes the staircase. As cognition is offloaded to software, we risk being "kicked upstairs"—promoted into a state of "honoured irrelevance," where we are comfortable but sidelined, effectively removed from the steering wheel of our own lives. The danger is that "liberated" and "sidelined" look identical from the inside. We have mistaken economic utility for human dignity, assuming our value is tied to our output. If we are to avoid becoming obsolete in our own world, we must realize that the ultimate, un-automatable task isn't production—it’s the living of a life. The question isn't where we climb next; it is whether we still hold the power to say no. The escape, this time, may not be a higher rung to climb. It may be remembering what the ladder was for.
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About Me
I'm Akhil Handa, and I've spent the last two decades working in digital banking and financial services. Most recently, I served as President & Chief Digital Officer at Bank of Baroda, where I led digital transformation initiatives across 25 international markets, helping serve over 200 million customers.
I use FirstHand to share what I've learned about the evolution of digital platforms in banking. Having worked at institutions like JPMorgan and contributed to digital finance policy, I try to offer practical insights on where the industry is headed.




