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Ravi Krishna

Former Lead Architect, Enterprise Architecture·American Express·Greater Sacramento, California·

New technology, same problem

In this interview

In this interview, Ravi Krishna, former Lead Architect for Enterprise Architecture at American Express and now a startup founder, explains why he sees AI as the latest technology to change the interface while the underlying business problem stays the same. He argues that AI's real novelty is that machines can now promise to speak human, and that the costly gap in any project is the one between the content of a requirement and its intent. He describes his platform for modeling business functions across many roles and organizations, why businesses value predictability over automation, and how data regulation varies by country. He closes on whether we can trust AI's answers and on agentic commerce, where connected devices and AI act on our behalf.

Ravi Krishna
Ravi Krishna, Former Lead Architect, Enterprise Architecture at American Express.

Ravi Krishna is building a startup whose platform models business functions as a whole: many workflows, many roles and even several organizations working through one process together. Until mid-2026 he was Lead Architect for Enterprise Architecture in the CTO organization at American Express.

Ravi started as an engineer and later studied management. He spent 14 years at IBM as an enterprise architect for large financial services and insurance clients, then more than 11 years at American Express, where he was first a lead architect on its Enterprise Cloud Platform. Along the way he has worked with banks including Bank of America, Merrill Lynch and Commonwealth Bank of Australia, moving from integration architecture into enterprise architecture.

“For the first time, what AI is bringing to the table is the ability for the machine to have the promise of speaking human.”

Ravi's core argument is that every three to five years a new technology changes the interface while the business problem stays the same. AI's real novelty is that machines can now promise to speak human, but that only matters if it closes the gap between what a requirement says and what it means, and keeps predictable the parts of a business that have to be.

"It's not the technology that you should future-proof," Ravi explains. "It's the problem that you're trying to solve for."

The conversation

In this conversation: Josh Rubin (Host, CTO Studio) and Ravi Krishna (Former Lead Architect, Enterprise Architecture, American Express).

Recorded for the CTO Studio interview series. Interview recorded on 10/16/26.

This interview was recorded by CTO Studio, a media brand owned by Howdy (howdy.com). Transcript lightly edited for clarity.

Ravi Krishna

So right now I'm working on my startup, and we're working on a product in the space of modeling business functions, which is really not just one workflow or one domain, but model a lot of workflows together and then enable the business to publish the same and continue to use the same. So that's what I've just started to work on.

Josh Rubin

Yeah, we'll dig into that a little bit. So give me a little bit of your background.

Ravi Krishna

So I've been in the technology space. Been an engineer to start with, and then did my management studies as well. In the long term, in the technology space with IBM, American Express, and then I have been associated with all the big names out there: Bank of America, Merrill Lynch, Commonwealth Bank of Australia, across all the geographies, in Germany and so on. So early in my career I realized that you can just keep changing and learning new languages all the time, and where do you really see a pattern? And then I got into architecture. Got into integration architecture. So it was, you know, the first attempt at making the business speak technology or the technology speak business. Now, from there, enterprise architecture was a natural progression, and so I've been in the enterprise architecture space for the last 15 years or so, or 20, and then said, okay, now, patterns of the problems are the same. It appears to me that every three to five years we apply new technology but solve the same problem. Okay, and what is that problem? Let's say if you look at when the internet first hit, then we said, okay, let's have all the business functions accessible through a common user interface. And then we said browsers are the problem, because there are different screens, different layouts and so on and so forth. The core is the same. Let's say you are buying something. Your transaction was to basically pay the merchant. And then you just wanted to see how it is, and then you started interacting with it through the browser. And then mobile came and said, hey, I can do everything over the mobile. What are you doing? You are still paying the same. You just changed the form factor, but your ability to pay, or your capability to pay, is still the same. So the core has not changed. Now we are saying, hey, we got AI. What do you do? Instead of you going and swiping, you're basically delegating. And now the complaints with AI are going to be, hey, I'm trying to talk to it and then it is throwing a whole lot of irrelevant things at me. But I just want to buy one thing. I just want to tell it, you go buy. Right? So the experience of buying is basically changing, but the problem of buying has not really gone away.

Josh Rubin

Businesses want to sell, users want to buy, and so the friction between that action is what needs to be optimized. Every three to five years new technology comes in, which changes the interface, the process. Okay. So if the problem that you're trying to solve for enterprises, I have product, I want to sell product, is still the same, how does AI either make it better or make it different?

Ravi Krishna

To me, the way I look at these things is from a technological lens. If you look at it, it's just another new technology that can enable a few things. Every time a new technology comes, it comes with its capabilities and limitations. And then the biggest limitation, or constraint rather, not limitation, because the constraint for any new technology that has come in is that it has to integrate with everything else that was already in place. So AI is a new technology. But then what is it fundamentally bringing to the table? For the first time, what AI is bringing to the table is the ability for the machine to have the promise of speaking human. Is it speaking human? Can it understand? Can it have a conversation like we are having, and not steer away from the context and tangentially push off? These are all still things yet to be seen, because in certain businesses especially, you cannot have this non-deterministic approach to it.

Josh Rubin

That is a really interesting metaphor. Technology, as it's developed, has always been about humans learning to speak the technology. Cars didn't learn to speak human. We learned to speak car. Mobile devices didn't learn how to speak human. We learned how to interact with mobile devices. But AI is the first technology we are teaching to speak us.

Ravi Krishna

And that is not just for the AI. That will also mean that we will have to recalibrate ourselves as to how we deal with this, because it's one thing talking to a person here, and then if you have a machine sitting here and you're just staring into it and talking. And so the human brain has to recalibrate its ability to interact. And that has fundamentally brought a capability to the technology platform. Now, how are we going to leverage this? Where are we going to leverage this? What additional risks is it going to bring? That is a whole different thing, and the industry is still not ready for it.

Josh Rubin

Not even remotely. I mean, we have a hard enough time talking to each other. Yeah, so this new company that you're starting, what specifically are you setting out to solve?

Ravi Krishna

So what we are trying to do is be able to replicate, from between zero and a hundred, as close as we can come to a hundred. I mean, if we start off with 10 percent, 20 percent of a particular role in the organization, if we are able to perform those functions and have your delegate. So, you see, in this case the delegate is still technology. AI just happens to be another piece of technology, is how I look at it. It's just that you would talk to your technical delegate now just as you would talk to your team member, which you could not earlier. If you had to do reports and so on and so forth, people had to write queries, wait for six months, get all the data from hundreds of sources, churn it and then prepare it for reports and so on. Now you don't have to do that. You can just say, hey, can you do this? I'll make an attempt, bring it back. And so in this platform that we are building, the basic technology, as we were writing and coding and architecting and structuring data and deploying and all of that, is still there. But what we are trying to bring to the table is have this continue to observe and learn a particular role in the organization, and then see if it can be delegated that work, beginning in bits and pieces. Because here we say AI is probabilistic. People are also equally probabilistic, in my opinion. You ask a question, you don't know what answer is going to come back, right? So AI is in the same mode. Let's say you take requirements. There's a life cycle right from the requirement. Now, what happens? Why do projects become costly? Because the difference between the content of the requirement and the intent of the requirement is the gap, which is really the understanding of the individual, right? And that changes, and then that drift you will see, and the projects are failing, or they are off target, or they are able to satisfy 80% of the requirements. And so that challenge will continue with AI. Content and intent: how do we close the gap? Because if we keep on saying AI is probabilistic, you don't want probabilistic in certain cases, right? I mean, if you want to pay $50, you have to pay $50. You can't say, is it 50, or probably 48, or probably 52? 50 is 50.

Josh Rubin

You just have to pay. So I guess what I'm still not quite understanding is, part of this sounds standard: agentic value extraction. We can make things more efficient because these are the things within your organization that can be automated. They're not automated yet. So we're going to teach skills to this agent to execute on this particular thing, and take it one by one. Is this essentially a framework? Like, you're trying to provide a framework to do this skill training for their particular problem?

Ravi Krishna

No. So the product that I'm talking about is basically a product on which you can model your business functions, with roles and accesses, communication and so on and so forth. Plugging in AI is an aspect of the technology. But the problem that we are trying to solve for is, if you look at business functions, right, most of the products out there, like all these Salesforce, HCM, ERP, CRM, they're all specific to a particular domain. So what we are building is a capability on which you can model any domain, and then you start using it. Because typically workflows and things like that have always been between two people, two roles. Like, if you raise a ticket and you want a laptop to be fixed, there's just somebody else that is there on the side, and it's always just between you and him. But in complex business functions, you will need multiple roles coming in, performing their activities, like the conveyor belt of a car being manufactured, right? Everybody has to come in and then do their work. It's not just two people. So on one platform you can have multiple skills, and these multiple skills need not be in the same organization. They could be from different organizations. Like purchasing a house: you will have the seller and buyer involved, you'll have banks involved, you'll have the city involved. But what is the activity happening? The activity is, Josh is purchasing a house. So if you want to use the platform, then you will say, hey, bank, you come in between these three to four steps and then you do your work. The city comes in, your house inspection, those guys come in. But you know the entire life cycle. But it's more than automation. Automation is just one part of it, because...

Josh Rubin

But ultimately the goal is the elimination of friction here. So it might not be about the automation of it, but it can be about the distillation of the process.

Ravi Krishna

Yes, elimination of friction, of no ability to predictably conduct your business. Businesses like predictability. I mean, why does Wall Street respond one way or the other? They like predictability. Without predictability, you don't really know what's going in and what's going out. So automation is just one small part. Predictability of your function, that it is going to perform this end goal and get to that end goal by the time you do it, is what a business is really all about, right?

Josh Rubin

But you're trying to build predictability in a time when nobody can plan more than a quarter in advance, because the technology is shifting.

Ravi Krishna

So that is just, yeah, then you just break down, or take a top-down approach. Break your ability to predict down into pieces that you can predict. Predictability is not about just predicting. I don't say predicting means the future. I'm saying you have a certain task at your hand, and then how would predictability increase? The probability of it hitting a hundred percent will increase if you identify all your external dependencies.

Josh Rubin

Okay, so then it becomes an exercise in binary. Is it a deterministic process or is it a probabilistic process? And that binary decision can also be part of what you're building. This process is deterministic: I have X and must output Y. This is a probabilistic system, and here are the factors that we need to take into account with that. Record all of those functions and the machine will continue to operate.

Ravi Krishna

Yes. And for the probabilistic part of it, you give a tolerance limit to the goal, and then you say, this is my tolerance, and then this is...

Josh Rubin

This is outside of the mean. This is hitting right on target, and if it's outside of the mean, well, might need to take a look at that. You're building a product like this, or actually it's not even the product, it's the business that you're trying to build, which feels more consultancy or agency than SaaS product. Like, how is this product working for you? How are you building a business out of this?

Ravi Krishna

So we are going after a market segment that is not addressed by the big platforms, because the big platforms, they've all started at a certain point in time, and the big platforms cannot go there, because the platforms themselves have already boxed themselves in. Salesforce, HCM and all these things, they've boxed themselves into it. Now, this market segment that we have identified either does not have the ability to go build itself, or even if it has, it is not its core competency, and so it's not doing it. And then, if it has all of this, it can still go to the big guys, and the licensing and all of that is pretty expensive. And you can just go buy, you know, all these big ones, right? You still need all these costly consultants to come and configure. I mean, SAP for example: we've all known SAP for a long time, and they take ages and ages. Generations come and go, but the projects are still going on, right? So what we have built here is the ability for the business that is going to subscribe to this platform to get in itself and then be able to model themselves without having to write any code.

Josh Rubin

I mean, it's almost like you're building a SaaS killer by providing a new kind of SaaS product.

Ravi Krishna

Yes, something like that.

Josh Rubin

Everyone to build your own personalized Salesforce based on your sales velocity. Your own personal HubSpot based on your personal outreach system.

Ravi Krishna

Yes. And then with that, what happens is you don't need all the bells and whistles that come with these big platforms. You build what capabilities you need on this platform, and then there's no bloat in there.

Josh Rubin

It's going to be very focused. Context is everything in this kind of system that you're building. And the other part is the data. If you're subject to regulation, like FINRA, you need to abide by certain regulations. So how are you managing all of that?

Ravi Krishna

So that goes by the country that you're going to operate in, and every country has its own regulations, right? So, for example, in India they said data has to be local within the country, and then they have their own laws. Here in the US we have different ones; in Europe we have different ones. So it's first a legal problem to solve for, and not a technology problem as much. Like I said, every new technology has to work with every other piece of technology in there, right? So we will expose the ability either through MCPs, or through APIs if they still want to do the old world. And then once that is there, it doesn't really matter what model they are picking. Because we keep talking about models, but then what exactly is the model doing at the end of the day? All that it is saying is, hey, give me a simple layman's language description of what this API is, or what your software is, and then I will figure out whether that's the right one that I need to use for my work. Right? So they can plug in their own if they want to.

Josh Rubin

Do you have a moat? I mean, increasingly people are saying moats are just not a thing anymore. How do you future-proof your own company? I mean, you're not working with the giant American Express anymore. You're off on your own building this thing. What is your confidence level that what you're building is future-proof?

Ravi Krishna

Yeah, it's not about future-proofing your technology. When I go, and then people say, who are your competitors? I always say my competitor is the problem that I'm trying to solve. It's not others that are trying to solve the problem. It's my immediate problem that I'm trying to solve for. So future-proofing is observing how this problem is going to change its nature over the course of time, and not necessarily what technology is coming and what is going. Because regulations will come in, new technologies will come in, new capabilities will come in. Sometimes industries just get wiped out. For example, BlackBerry. Vanished.

Josh Rubin

Right. The new opportunities are around the downstream consequences and the new bottlenecks that suddenly appear. The new technology is ubiquitous.

Ravi Krishna

So my approach to that is, it's not the technology that you should future-proof. It's the problem that you're trying to solve for. Because what is technology all by itself? AI by itself, what can it do?

Josh Rubin

Pivoting a little bit: you've gone from a career spent working for orgs with 10,000-plus employees to working at, I don't know how many people are in your group right now.

Ravi Krishna

Just a few.

Josh Rubin

Just a few. If you're successful, does your org grow to a large scale, or do you think the future of this kind of business is relatively small?

Ravi Krishna

The org might scale. But what I see is, as the org scales, having worked with large-scale multinational organizations across countries and regulations and so on and so forth, I can basically bring that to this building, and then ensure that all the inefficiencies that we had there are not creeping in here. So to me, large is not really, okay, I have a hundred thousand people or so. To me, large is really, okay, is it impactful across a particular market segment? And so eventually it will.

Josh Rubin

That becomes a matter of, you haven't identified the new bottleneck that you need people to solve for.

Ravi Krishna

Yes, I imagine. Yeah, like so many search engines were there before Google, right? And now Google kind of became the default search engine. But at the end of the day, now with AI being able to answer a question, as opposed to just search through, you know, Control-F, find-and-replace kind of words, now it's a little bit more meaningful in terms of AI going and searching, and you know...

Josh Rubin

Right, because Google didn't solve the problem. The problem was, I need an answer to a question. And what Google did for that was it said, oh, here's an article about it, right? Not taking responsibility. Now AI is answering the question, and we haven't dealt with the legal ramifications of that yet. They're publishers. They're liable for the answers that they're giving, but when they're wrong, nobody has really...

Ravi Krishna

Yeah. So in that itself, you have just seen what has changed: the nature of the problem. Right? Initially, Google is also a search engine. Here also, if you simplify that, in both the cases you are asking, telling it to go search and bring the results back to you. So the nature of the problem was there. People all wanted questions to be answered earlier also. It's just the technology was not there yet. I mean, they've tried building it with things and so on and so forth. But now the technology has come wherein it says, I can answer your question. Right? I had these things way back. I come from the time when Google was just coming and Yahoo was the big thing, you know, AltaVista, Yahoo and all these things. And I used to wonder, it would be nice if it actually answered my question, right? Instead of just saying, here are the words in these thousands of articles.

Josh Rubin

So it would be nice if it solved the problem the way you wanted to solve the problem. And now I think we're moving into a realm where, especially with the asking of the question, which you see online, it would be nice if I could believe the answer.

Ravi Krishna

Okay, that's the next challenge.

Josh Rubin

Which is the difference between deterministic and probabilistic. What is the probability that the answer I'm being given is true, versus, I asked this question, I would like the correct answer to it? That is the issue I have right now with some of AI's search results, and that's what causes me anxiety.

Ravi Krishna

But that was there with Google search results as well.

Josh Rubin

No, it's true. You know, that's where authority came in. And yeah, I don't trust so much. So, last question, ending on a somewhat positive note: what is a piece of technology that's coming out, or is on the verge of coming out, that you're most excited about right now?

Ravi Krishna

I would love to see the experience of the daily life of a human being when many of these things come together and then be able to give you a connected experience. I think that is possible in the agentic world, but provided the enterprises open themselves so that they can participate in it. What I mean by that is, simply, in the finance world there's a lot of this agentic commerce discussion going on, right? And what does it mean? It means, as you're walking, if all your devices, all the technology that you're connected into, can interact with each other and help you, not necessarily wait for you to ask it a question, for it to be able to come up front and say, hey, you know what? You are driving there, or you're buying this, or you're not looking at your finances, and there is this that is on the horizon. Do you want me to do anything about it? Connected experience is what I really... It's in the mix of IoT plus AI plus the core technologies.

Josh Rubin

The dark side of what you're describing, the negative version of that, is pure nanny state, pure nagging, bossy, telling you you shouldn't eat that type of thing. But the positive way of looking at that is your life contextualized, a true life that you have. The context of your life and all of those bits and pieces is always ever present, not necessarily in front of you all the time, but it's there, for sure, if you need it. And there's something appealing about that, because if I had the full context of my life at all times, theoretically I can be more present in every one of my experiences. There will be consequences to that. That is a much different way for humans to live than we've ever lived before.

Ravi Krishna

Yeah, but humans have been evolving. They will evolve.

Josh Rubin

Thank you very much.

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