Uday Kotak is a banker who banks on people, a point that comes out amply through his meteoric career. Take a handful of his recent tweets, although he doesn’t tweet as impulsively as Virgin Atlantic boss Richard Branson, for instance, does. Take this one: “Biggest challenge for world and India is new jobs. Digital, AI, robots, etc reduce jobs as we know them. Budget should incentivise new jobs.” Executives and corporations will always raise a toast to technologies that can trim the wage bill, such as robots. Kotak is worried.