Prem Natarajan is Capital One’s Executive Vice President, Head of Enterprise Data and AI, and Chief Scientist. Natarajan joins Big Technology to discuss why Capital One is choosing to build its AI stack from the ground up rather than rely on off-the-shelf models. Tune in to hear how Capital One thinks about full-stack AI: from cloud and data foundations to model customization, agentic architectures, and real-world deployment, plus the lessons learned from launching tools like Chat Concierge for auto dealerships. Hit play for a clear-eyed look at the build-vs-buy debate and what it takes to turn enterprise AI ambition into working products. See the Evident AI Index ranking of top banks in AI: https://evidentinsights.com/ai-index 00:00:00 - Introduction 00:01:11 - Capital One's Approach to AI 00:04:00 - Building AI Platforms 00:06:30 - The Chat Concierge Application 00:13:17 - The Role of Capital One 00:17:06 - The Importance of Building AI 00:20:11 - AI in Customer Service 00:21:58 - The Power of AI in Software Development 00:23:27 - Customizing Open Source Models 00:28:00 - The State of Open Source Models 00:30:43 - Deep Customization of AI Models 00:32:54 - AI Pilots and Their Success 00:36:20 - The Evolution of AI 00:39:09 - Joining Capital One's AI Efforts Resources: Learn more about AI at Capital One and the team's research and publications: https://www.capitalone.com/tech/ai/ Learn about AI and tech job openings at Capital One: https://www.capitalonecareers.com/category/technology-jobs/234/4412/1 See the Evident AI Index ranking of top banks in AI: https://evidentinsights.com/ai-index/'