Decentralized Finance (DeFi): The Future of Open Banking represents a paradigm shift in how financial services operate, moving away from traditional centralized systems toward more open, transparent, and accessible models. Leveraging blockchain technology, smart contracts, and AI-driven platforms, DeFi allows individuals and businesses to access loans, investments, and payments without relying on traditional banks. Leaders like Jay Narendra Kotak are at the forefront of understanding how digital-first finance can coexist with decentralized ecosystems, promoting financial inclusion while ensuring security and efficiency. By integrating AI, automation, and predictive analytics, decentralized finance platforms can offer personalized and real-time financial solutions, enabling seamless transactions across borders.