This article is intended for international audiences.  Banking risk has moved from quarterly reviews to real-time vigilance. Customers transactacross super-apps, instant-payment rails, and embedded finance-and credit quality can pivot indays, not months. This article restates, in fresh wording, how lenders can build an early warningcapability that detects risk sooner, explains its reasoning, and acts responsibly across end-to-end credit management. Why “early” needs to mean “continuous” Traditional EWS programmes relied on periodic snapshots: static bureau pulls, monthlybehaviour reports, and rule triggers that fired after arrears had already formed. Today, dataflows are continuous-salary volatility, merchant categories, repayment micro-patterns, in-appservice signals-so risk controls […]... Keep on reading: From signals to safeguards: AI-Powered early warning for modern banking