Rajesh Kotha has been recognized with a 2025 Global Recognition Award for his exceptional contributions to the field of Artificial Intelligence. His 13-year career in technology has yielded remarkable expertise in developing AI solutions that address complex challenges across fintech, retail, and customer service sectors while enhancing customer interactions through AI-powered chatbots, payment systems, and fraud detection capabilities. Kotha’s position as a Software Development Engineering Advisor at Fiserv involves leading critical projects that leverage cutting-edge AI technologies to solve real-world problems, establishing him as an industry thought leader with multiple published papers in reputable journals.

Advanced AI Solutions in Financial Technology

Kotha’s exceptional work in developing SoftPOS solutions has fundamentally altered how businesses process payments across multiple regions, including the United States, Asia Pacific, and Latin America. His contribution to launching Tap to Pay on iPhone via the CloverGo App has enabled small and medium-sized businesses to accept contactless payments without additional hardware, democratizing access to advanced payment technologies while reducing barriers to entry. Implementing these innovative payment solutions demonstrates Kotha’s deep understanding of market needs and ability to create practical applications that deliver measurable results for businesses of all sizes.

The Fiserv SDK for enterprise merchants, another significant initiative led by Kotha, has substantially increased gross processing volumes for major clients while streamlining payment integration processes. These technological advancements have earned Kotha multiple Living Proof internal awards at Fiserv, recognizing his valuable contributions to the Apple Tap to Pay initiative and various AI-driven projects that have transformed customer experiences. His work exemplifies how theoretical AI knowledge can be successfully translated into practical applications that solve real business challenges, creating value for service providers and their customers through thoughtful implementation of advanced technologies.

Revolutionizing Customer Loyalty Through Predictive Analytics

Kotha’s research in predictive analytics for customer loyalty programs has established new methodologies for analyzing customer behaviors and preferences, which numerous organizations have adopted with measurable improvements in customer retention and revenue growth. His paper, “Leveraging AI for Predictive Analytics in Customer Loyalty Programs,” introduced sophisticated approaches to customer data analysis that enable businesses to create highly personalized experiences based on individual preferences and behaviors. These innovations significantly advance how companies understand and engage with their customers, moving beyond simple demographic segmentation to more nuanced behavioral analysis that yields actionable insights.

Kotha successfully applied his research findings at Kroger, where he led the comprehensive redesign of the company’s customer loyalty program including implementing the new Kroger Community Rewards Program and the Kroger Fuel Points System across 2,700 stores nationwide. The program’s success extended well beyond traditional business metrics, enabling Kroger to donate approximately $200 million to local organizations while building customer trust, increasing sales, and enhancing brand loyalty among diverse customer segments. Kotha’s work demonstrates how AI can deliver commercial benefits and social impact, creating value propositions that align business objectives with customer values and community needs through thoughtful application of data science and machine learning techniques.

Final Words

Kotha’s contributions to AI-powered fraud detection systems showcase his expertise in applying machine learning algorithms to identify and mitigate fraudulent activities in real-time financial transactions. His research paper, “AI-Powered Fraud Detection in Financial Services,” examines sophisticated applications of neural networks and anomaly detection techniques that can significantly reduce financial losses while maintaining seamless customer experiences during legitimate transactions. These security innovations address critical challenges in today’s digital financial ecosystem, where traditional rule-based systems increasingly fail to detect sophisticated fraud attempts that continuously evolve to exploit system vulnerabilities. Beyond his professional and research accomplishments, Kotha actively engages with academic and indus

try communities through regular workshops and seminars that share AI best practices and promote knowledge exchange between theoretical research and practical implementation. His service on the editorial boards of several international journals, including IJCS, IJETR, IJFT, IJCET, IJCC, ESP, and IJCEM, further demonstrates his commitment to advancing the field of artificial intelligence through rigorous peer review and quality research publication. Kotha’s multifaceted contributions to artificial intelligence—spanning practical innovations, academic research, and community engagement—make him a deserving recipient of a 2025 Global Recognition Award, highlighting his significant impact on how AI technologies are developed, implemented, and integrated across multiple industries.