Every time you open an account, log in or make a payment, your bank has a split second to decide whether to trust it. Neha Narkhede, Co-Founder and CEO of Oscilar, sits down with JD Durkin at Money 20/20 USA in Las Vegas to explain how Oscilar’s agentic risk platform makes those calls in about 100 milliseconds. Narkhede breaks down Oscilar’s new partnership with TransUnion, which brings scores for synthetic identity fraud and credit washing to lenders through Oscilar first, so fraud signals finally reach credit decisions. She explains why AI-powered fraud is a coordinated offense that fragmented bank systems struggle to stop, and what banks need to verify before letting an AI agent move money: who is acting, what they’re allowed to do and whether the transaction should go through. She also shares a simple framework for the future: keep humans in the loop on irreversible decisions, and let AI agents earn more authority by proving themselves on smaller jobs first.