AI is an Accelerator, Not Just a New Technology: AI isn’t about reinventing the wheel — it’s about enhancing and accelerating existing technologies. Instead of replacing what’s already in place, AI makes processes faster, smarter, and more efficient.
Artificial Intelligence is transforming industries at a breakneck pace, and the entrepreneurs driving this innovation are at the forefront of this revolution. From groundbreaking applications to ethical considerations, these visionaries are shaping the future of AI. What does it take to innovate in such a rapidly evolving field, and how are these entrepreneurs using AI to solve real-world problems? As a part of this series, I had the pleasure of interviewing Samik Ghosh.
As Co-founder and CEO of Neutrinos, Samike merges a hands-on approach with strategic vision to deliver remarkable results in customer obsession, innovation and growth — driving Neutrinos’ market leadership. Samik emphasizes on unleashing the potential of people through innovation, teamwork and excellence. With over 20 years experience in insurance and technology, he has been instrumental in envisioning and driving Neutrinos growth, enhancing insurers’ business agility and accelerating time-to-market.
Thank you so much for joining us in this interview series. Before we dive in, our readers would love to learn a bit more about you. Can you tell us a bit about your childhood backstory and how you grew up?
My life journey may not seem extraordinary, but it has been deeply meaningful. I grew up in a lower-middle-class joint family in Kolkata, India, where my parents shouldered the responsibility of not just raising my sister and me but also supporting many siblings on both sides of the family. They sacrificed their ideologies, higher education, and aspirations to ensure we had the opportunities they never did.
As an extroverted and passionate sports lover, academics weren’t my strongest suit, much to my parents’ concern — especially in contrast to my more studious sister. However, my curious and adventurous nature led me to explore life in ways that many wouldn’t dare. From a young age, I was exposed to diverse people and experiences, which later shaped my ability to understand different perspectives, remain grounded, and develop a strong sense of empathy.
That said, I was still a carefree son, unaware of life’s true complexities — until I lost my father at an early age. That moment was my true wake-up call. It made me realize that I was now on my own and had to carve my own path for survival. Determined to build a future for myself, I pursued a Law degree and an MBA simultaneously. My career began humbly, selling PCs for $100 a month while practicing at the lower court. Eventually, I got my first breakthrough — a stable job in my hometown — which set the stage for my journey ahead
Can you share the most interesting story that happened to you since you began your career?
In 1999, I moved to Bangalore and joined an IT startup as an HR Manager. On my very first day, the CEO asked me to clean the toilet and ensure that I answered phone calls at the reception within three rings. It was overwhelming, and my ego kept questioning why someone with an MBA and a Law degree needed to do such tasks as an HR Manager.
At the time, I struggled with the thought, but later in life, I realized the immense value of that experience. It taught me humility, adaptability, and the importance of embracing every aspect of a role, no matter how small. Those early lessons shaped my perspective on leadership, teamwork, and what it truly means to build something from the ground up.
None of us are able to achieve success without some help along the way. Is there a particular person who you are grateful towards who helped get you to where you are? Can you share a story about that?
First, my father. He was the one who truly guided me into understanding people from various walks of life. He allowed me to experience everything firsthand, broadening my perspective and helping me develop a deep appreciation for different spheres of life.
Second, my CEO and direct boss, with whom I worked for over 12 years in a Bangalore-based company. He played a crucial role in my 18-year journey there — right from the days of cleaning toilets and acting as a receptionist to managing global accounts, setting up businesses in different regions, running P&L for an entire region, and eventually co-building a social entrepreneurship venture from the ground up. He was the toughest manager, a mentor, and a friend — someone who taught me invaluable lessons, often in the hardest ways possible. His influence shaped not just my career but also my approach to leadership and perseverance.
Can you please give us your favorite “Life Lesson Quote”? Can you share how that was relevant to you in your life?
All of them
- “Nothing is impossible”
- “Ordinary people with extraordinary dream, can make it happen”
- “Brevity is the soul of Wit”
You are a successful business leader. Which three character traits do you think were most instrumental to your success? Can you please share a story or example for each?
- Sense of Purpose & Audacious Dream: I have been deeply inspired by the journeys of many entrepreneurs, learning that ordinary people with an extraordinary sense of purpose can achieve audacious dreams — be it Steve Jobs, Narayana Murthy, or countless others. At the beginning of my time in Bangalore, I attended a personal transformation workshop that profoundly impacted me. It helped me discover my purpose in life, and since then, I have lived with a clear sense of direction, driven by ambition and a dream that once seemed impossible.
- Passion with Sense of Urgency: My sense of urgency stems from my own life experiences. Due to family circumstances and my studies, I started my career later than most. As a result, when I finally began my professional journey in a meaningful way, I found myself a late entrant in the industry. By then, my friends and colleagues had already reached significant milestones in their careers, while I felt like I was playing catch-up. At work, I often felt disempowered — seeing others receive appreciation for the same work I was involved in, simply because of their experience or background. That realization ignited a deep sense of urgency within me — that window of opportunity is running away. From that moment on, I made a promise to myself — if something needs to be done, it has to be done immediately. This mindset has been instrumental throughout my journey, especially during the inception stage of my entrepreneurial career. It continues to drive me forward, ensuring that I never lose momentum in pursuing my goals
- Walk The Talk: In my nearly three decades of experience, I have had the privilege of witnessing true leaders who inspire through their sheer commitment, passion, and ability to walk the talk. What sets them apart is not just their dedication to big, transformative goals but also their unwavering attention to the smallest details. They honor their commitments, no matter how minor, ensuring that every promise — big or small- is fulfilled with the same level of integrity and excellence.
Ok super. Let’s now shift to the main part of our discussion. Share the story of what inspired you to start working with AI. Was there a particular problem or opportunity that motivated you?
A decade ago, Eric Von Hippel predicted the “democratization of innovation.” Has that vision been fully realized? Perhaps not yet, primarily due to technological limitations and accessibility barriers.
Technology should not remain in the hands of a privileged few. Innovative ideas exist everywhere, and to truly democratize innovation, everyone must have access to modern technologies.
At Neutrinos, we started with this very vision — making technology accessible to all and bringing ideas to life. In our early days, we built a Rapid Application Development (RAD) platform, proving that even an Uber driver with minimal coding skills could build his dream app in just four months. This pursuit continues today. Artificial Intelligence (AI) is the next step in this vision — it eliminates the need for traditional coding skills (such as JavaScript or HTML), empowering anyone to turn their ideas into reality.
As the Neutrinos platform evolved from a RAD tool to a full-scale automation platform, we realized that AI plays a critical role in accelerating automation — not just for professional developers but also for business users with no coding background. These individuals want to create their own models, rules, and automations with minimal technical expertise.
Today, our AI-driven models are actively used by claims and underwriting professionals, enabling them to develop predictive models, enhance accuracy, and improve efficiency — all with minimal reliance on IT teams.
Describe a moment when AI achieved something you once thought impossible. What was the breakthrough, and how did it impact your approach going forward?
At Neutrinos, we adopted AI (document classification) almost 2 years back. Idea was to ensure that entire intake process within the insurance value chain can be automated with no humans in the loop. We did a few experiments, failed in some places but didn’t stop innovating.
Finally, when our AI model-based Fraud solutions used 10 years of old claims data to create accurate predictions of fraud claims to one of the insurers as well as brought in 97% character level accuracy to the intake process, we got the breakthrough. It changed the way we have been carrying out the automation for our insurance customers and our value propositions has completely changed in context to our competitors. We are measured today for driving higher straight through processing and higher accuracy than just merely providing an automation platform.
Most of the founders of Neutrinos come from almost 3 decades of individual experience in Imaging and Workflow solutions areas, giving us firsthand insight into the challenges of the insurance industry’s document-intensive, time-consuming, and error-prone intake processes worldwide. Drawing from these experiences and with a clear vision of enhancing operational efficiency, we set out to transform such business processes with the advent of AI.
At Neutrinos, we embraced AI-driven document classification and extraction three years ago with a bold ambition — to fully automate the insurance intake process and eliminate the need for human intervention. While we faced challenges and setbacks, our unwavering commitment to innovation drove us forward.
Our breakthrough came when our AI-powered fraud detection solutions analyzed a decade’s worth of historical claims data, enabling insurers to predict fraudulent claims with remarkable accuracy. Additionally, our AI-driven intake process achieved an impressive 97% character-level accuracy — proving to be a true game-changer.
We didn’t stop there, we were the very few of the players within Insurance to embrace the LLM movement and plug in the capabilities to various Insurance solutions like claims & underwriting. Back in January 2023, we launched Am I Covered to simplify the coverage checks for policyholders, making it simpler for the customers to ensure their claim event will not be rejected post submission.
These advancements have redefined our approach to automation for insurance customers. Today, our value proposition goes beyond offering an automation platform — we are now measured by our ability to drive higher straight-through processing rates and deliver unmatched accuracy. This has positioned Neutrinos as a leader in AI-powered efficiency, security, and scalability, setting us apart in the industry.
Talk about about a challenge you faced when working with AI. How did you overcome it, and what was the outcome?
There have been many challenges along the way. Some of the most significant include:
- User Adoption — There is a natural resistance to AI-driven solutions due to the fear that AI might replace jobs. The key to overcoming this is continuous training and effective change management, helping users understand that AI enhances their work rather than replaces it.
- Accuracy Across Different Languages and Characters — Implementing AI-led solutions in multiple languages poses a challenge, as character structures vary significantly. AI models require extensive training and continuous retraining to achieve high levels of accuracy.
- Infrastructure Consumption — AI solutions are highly infrastructure-intensive, often requiring significant upfront investment before realizing a return on investment (RoI). Ensuring cost-effective scalability remains a crucial aspect of AI adoption.
- Data Privacy & Security — Ensuring data privacy and security in AI-driven automation solutions for insurers. Insurers were highly skeptical about adopting AI due to concerns over data leaks, storage vulnerabilities, and regulatory compliance. Providing the confidence and compatible architecture solution becomes a key in such scenarios.
- Vertical Integration — Standalone services are generally easy to begin with but the true business benefit doesn’t get realized with these services. Insurers also look for embedded AI services which can simplify the operational work done in current ecosystem rather than fragmented solutions.
Can you share an example of how your work with AI has had a meaningful impact (on others, on business results, etc)? What was the situation, and what difference did it make?
When we talk about meaningful impact, it ultimately comes down to real business outcomes. AI-driven automation is transforming the insurance industry by enabling insurers to process vast amounts of data, enhance predictability, and make more informed decisions — whether in fraud detection, underwriting, or claims processing.
At Neutrinos, we leveraged 10 years of claims data to develop an AI-powered fraud detection model, significantly improving accuracy while reducing false positives. In underwriting, our AI-driven automation has achieved an impressive 97% character-level accuracy in document intake, drastically reducing manual effort and boosting efficiency.
We have successfully simplified the NIGO (Not In Good Order) issue, which has long been a complex challenge for insurers. By leveraging AI-driven validation and automation, we’ve minimized manual errors, ensuring faster and more accurate application processing.
Additionally, our Underwriting Assistant feature has unlocked a powerful AI co-pilot for underwriters and adjudicators. It enhances decision-making by providing real-time insights, risk assessments, and automated recommendations, enabling underwriters to focus on high-value cases rather than repetitive tasks. This has significantly improved efficiency, reduced processing times, and enhanced overall underwriting accuracy.
These are areas where insurers have long faced challenges, and AI is now helping them unlock real value from their investments, driving efficiency, accuracy, and smarter decision-making.
Based on your experience and success, can you please share “Five Things You Need To Know To Help Shape The Future of AI”?
1 . AI is an Accelerator, Not Just a New Technology: AI isn’t about reinventing the wheel — it’s about enhancing and accelerating existing technologies. Instead of replacing what’s already in place, AI makes processes faster, smarter, and more efficient.
2 . AI is Here to Empower, Not Replace Humans: A common fear is that AI will take over jobs, but its true value lies in augmenting human capabilities. AI enhances decision-making, reduces manual effort, and allows people to focus on higher-value tasks. It’s a tool for empowerment, not displacement.
3 . AI’s Success Lies in Business Impact, Not Just Experimentation: AI is deeply science-driven, and its effectiveness depends on targeted applications that drive real business value. Without a clear purpose, AI risks becoming a buzzword rather than a game-changer. The key is to apply AI where it creates measurable impact.
4 . Industry-Specific AI is Essential for Security and Compliance
In insurance and financial services, data privacy and compliance are critical. Generic AI models often fail because they lack industry-specific context. Successful AI implementations must be tailored to address sector-specific challenges like security, regulation, and risk management.
5 . AI is Revolutionizing Speed-to-Market
AI is disrupting traditional development cycles, enabling businesses to execute in weeks what once took months. By automating processes and optimizing workflows, AI is accelerating innovation and reducing time-to-market across industries.
When you think about the future of AI, what excites you the most, and how do you see your work contributing to that future?
What excites me the most about AI is how it is accelerating the democratization of technology, making it possible for people to innovate and build solutions faster than ever before.
From a principles perspective, AI is reshaping how we think about technology enablement — it’s no longer just about writing code or needing technical expertise. It’s about allowing ideas to take shape much faster, letting businesses create and experiment in ways that weren’t possible even a decade ago.
On the commercial side, AI is breaking the monopoly of traditional technology development. What used to take 6, 8, or 12 months can now be done in a matter of weeks. The ability to develop, test, and deploy solutions at speed is a game changer, and that’s where AI is making a huge difference.
At Neutrinos, we are deeply invested in this acceleration — we are ensuring that AI is not just another tool but a core enabler of business innovation, allowing organizations to adopt AI faster, embed it seamlessly, and drive meaningful outcomes rather than just treating it as an experimental technology.
What excites me most about AI is its role in accelerating the democratization of technology — making innovation more accessible and enabling people to build solutions faster than ever before.
Our AI-driven automation platform is reshaping the enterprise SaaS landscape, making it more adaptable and intuitive for insurers. By offering pre-configured workflows, intelligent automation, and seamless integrations, it has become significantly easier for insurers to adopt and implement.
We are optimistic about emerging technologies like Generative AI and quantum computing, which have the potential to unlock new opportunities in insurance. As AI models continue to evolve — leveraging advancements like Deep Research and DeepSeek — we are witnessing significant cost reductions and improved logical reasoning, with Chain of Thought enhancing AI-driven decision-making.
These innovations are making AI more accessible, scalable, and intelligent, allowing insurers to automate complex workflows with greater precision. Additionally, the agent multiverse is no longer a distant vision — multi-agent AI ecosystems are rapidly transforming operations, enabling seamless collaboration between AI-driven underwriting, claims assessment, and fraud detection.
From an insurer’s perspective, the platform simplifies complex decision-making, reduces manual dependencies, and ensures faster go-to-market capabilities. More importantly, it unlocks new business opportunities that were previously approached in a traditional, incremental manner. Now, insurers can scale exponentially, leveraging AI to drive efficiency, improve risk assessment, and enhance customer experiences — all within a single, intelligent ecosystem
From a principle’s perspective, AI is fundamentally reshaping how we think about technology enablement. It’s no longer just about writing code or requiring deep technical expertise. AI empowers businesses and individuals to bring ideas to life quickly, fostering experimentation and innovation in ways that weren’t possible even a decade ago.
From a commercial standpoint, AI is disrupting the monopoly of traditional technology development. What once took 6, 8, or even 12 months can now be achieved in a matter of weeks. The ability to develop, test, and deploy solutions at unprecedented speed is a game-changer — redefining how businesses operate and compete.
At Neutrinos, we are fully invested in this acceleration. Our goal is to ensure AI is not just another tool but a core enabler of business innovation — helping organizations adopt AI faster, integrate it seamlessly, and drive meaningful outcomes rather than simply treating it as an experimental technology.
What advice would you give to other entrepreneurs who want to innovate in AI? Can you share a story from your experience that illustrates your advice?
One of the biggest pieces of advice I’d give to entrepreneurs is this — don’t treat AI as just another trend. The era of building AI models for the sake of it is over. AI should be an enabler of real solutions, not the product itself.
Too many startups focus on AI in isolation, but that’s not how enterprises operate. AI needs to be deeply embedded into existing processes, infrastructure, and business models to create real impact. If you’re building AI solutions, don’t chase hype — focus on solving a specific, well-defined problem rather than creating generic AI models that lack tangible business value.
At Neutrinos, we’ve seen this firsthand. AI isn’t just about automating tasks — it’s about solving critical industry bottlenecks. When we developed AI-powered fraud detection models for insurers, we realized that success didn’t come from simply building an AI model. It required a deep understanding of fraud patterns, claims data structures, and identifying the right areas where AI could drive measurable value.
So, if you’re an entrepreneur, think of AI as an enabler. Identify a real, pressing problem, and then use AI to enhance, accelerate, or simplify the solution. That’s where the real impact lies.
Is there a person in the world, or in the US with whom you would like to have a private breakfast or lunch, and why? He or she might just see this, especially if we tag them. 
Satya Nadella, the CEO of Microsoft, on the topic of “SaaS is dead” and how AI is becoming the foundation of enterprise platforms. I’d love to hear his perspective on how AI is taking over traditional SaaS models and revalidate some of the discussions we’ve had in this interview.
How can our readers further follow your work online?
You can learn more about Neutrinos at www.neutrinos.com and follow along on LinkedIn.
Thank you so much for joining us. This was very inspirational, and we wish you continued success in your important work.
Samik Ghosh Of Neutrinos On Pushing the Boundaries of AI was originally published in Authority Magazine on Medium, where people are continuing the conversation by highlighting and responding to this story.