Abhisheik Vishwakarma

PB Fintech, the parent company of Paisabazaar and Policybazaar, has announced a series of leadership changes across its subsidiaries. Naveen Kukreja, who successfully led Paisabazaar for 11 years, is stepping away from his operational responsibilities as chief executive officer. He will now serve as Group President at PB Fintech and will continue to advise Paisabazaar on its future strategy. The company’s board has appointed Santosh Agarwal to succeed Kukreja as CEO of Paisabazaar, starting March 1, 2025. Agarwal, who has been with the group since 2011, has a track record of strong performance and was most recently chief business officer for life insurance at Policybazaar. Read the full story here:👇 https://lnkd.in/gTGb27SS #fintech #paisabazaar #policybazaar #leadership #management #company #gurugram #startup #indianstartupnews

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Paytm Cloud Technologies Ltd (PCTL), a subsidiary of India’s leading fintech company Paytm, has announced the launch of its wholly owned UAE entity, named Paytm Arab Payments LLC, as part of its global expansion strategy. The new venture will focus on technology-powered merchant payments and tailored financial services in the UAE market.

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Juspay vs Payment Gateways. While everyone is talking about what it means for the payments ecosystem in India, I have a few questions that I am seeking opinions on. A friend Pete wrote an excellent point about why PGs like Razorpay and PhonePe are moving away from orchestration platforms like Juspay in his post earlier today. The crux of the issue is control: PGs don’t want a middleman who sees all their wallet share and might direct traffic elsewhere. In another post, Pavankumar talks about how aggregators can become threats to channel partners. If PGs see Juspay as a competitor now, doesn’t that reflect poorly on how partnerships in Indian fintech are structured? Could there be a deeper problem of trust across the ecosystem? But here’s the real question I have: is this just a temporary power struggle, or are we witnessing the beginning of the end for orchestration as a business model? Think about it: 1️⃣ PGs are investing heavily in building their own orchestrators. Why? Because orchestration puts power back in merchants’ hands by enabling seamless routing. But if PGs control both the orchestration layer and the payment flow, merchants lose flexibility. Are we heading towards a walled garden model where PGs consolidate everything? 2️⃣ Advances in AI and ML are making payment optimisation smarter at the individual PG level. What if PGs eventually make orchestration obsolete altogether? Imagine a world where a single PG can deliver success rates just as high as an orchestrator by itself. 3️⃣ And here’s a controversial thought: maybe PGs cutting out orchestrators isn’t about wallet share at all. Maybe it’s about survival. PGs are in a brutal zero-margin business, and orchestration fees are just one more cost they can’t afford to bear anymore. I agree with Pete—this shift was inevitable. But I don’t think it’s just about visibility or competition. It’s about whether orchestration can justify its value as the ecosystem evolves. What do you think? Are orchestrators truly indispensable, or are they living on borrowed time? Link to Juspay's published article: https://lnkd.in/ge_GUnn4

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🚀 Face Authentication in AEPS: Advancing Secure, Contactless Banking An Innovation by MOS Utility Limited We’re proud to announce the rollout of Face Authentication in the Aadhaar Enabled Payment System (AEPS) — a significant step forward in making digital banking more secure, accessible, and contactless for everyone. 🔍 What’s New? ✅ Aadhaar-based facial recognition for user verification ✅ Real-time authentication via AI & UIDAI database ✅ 100% contactless — no fingerprint, card, or PIN required 🛡️ Why It Matters: 🔒 Security: Ensures only the rightful user can transact 🌍 Accessibility: Reaches users in rural & remote areas 🧼 Hygiene & Convenience: Reduces physical touchpoints, ideal for a post-pandemic world 🔗 Seamless Integration: Works effortlessly within the current AEPS framework 🌐 Empowering Financial Inclusion Through Innovation This launch underscores our commitment to a more inclusive and secure digital financial ecosystem across India. 🤝 Interested in partnerships or implementation? Let’s connect. Together, we can build a more accessible financial future. #MOSUtilityLimited #FaceAuthentication #AEPS #FintechInnovation #DigitalBanking #SecureTransactions #Aadhaar #ContactlessBanking #FinancialInclusion #IndiaDigital MOS World Chirag Shah Ravi Ruparellia Viren Shah

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🚨🚨 IPO-bound Groww completes acquisition of Fisdom after Sebi nod 📌📌 Fisdom's founders, Subramanya SV and Anand Dalmia, along with their core team, will continue with Groww to lead the wealth business. Read more at: https://lnkd.in/gJ_sJXXb

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Trillionloans, a non-banking financial company majority-owned by BharatPe, has announced the appointment of Sandeep Singh as its new Chief Executive Officer. With a rich career spanning over 16 years, Singh brings deep expertise across digital and retail lending, life insurance, and enterprise software. He spent close to 15 years with the Aditya Birla Group, notably leading the digital lending vertical at Aditya Birla Capital for six years and holding senior roles at Aditya Birla Sun Life Insurance. Commenting on his new role, Singh shared that his focus will be on crafting technology-led lending solutions designed to meet evolving customer needs in a responsible and scalable manner. In a parallel move, current executive director Sabyasachi Senapati is transitioning to a broader role within the BharatPe Group. He will spearhead key growth initiatives and lead the central platform, drawing on his cross-functional expertise to drive growth across BharatPe’s core business lines. To ensure continuity, Senapati will remain a whole-time director on Trillionloans’ board during the leadership transition. BharatPe initially acquired a 51% stake in Trillionloans in May 2023 to expand credit access for its merchant partners and strengthen its profitability engine. Its stake has since increased to 62.3%, with the remainder held by NDX Financial Services. #tradeflock #trillionloans #bharatpe #sandeepsingh #newceo #fintechnews #digitallending #nbfcindia #leadershipupdate #financialservices #retaillending #techdrivenfinance #fintechindia #adityabirlagroup #lendingsolutions #startupnews #ceoappointment #bharatpegroup #sabyasachisenapati

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At #GFF2025, Perfios CEO Sabyasachi Goswami spoke with Ankur Mishra from ET NOW about India’s evolving lending landscape from policy-led stability and inclusivity to the steady demand driving fintech innovation. He further noted how financial inclusivity has evolved to bridge geographical barriers and bring marginalized communities into the formal credit fold. With financial institutions across India and 18+ countries, Perfios continues to power smarter lending, stronger monitoring, and sustainable growth. As demand stays strong across key product lines especially in unsecured and secured lending, the focus remains on scaling innovation with trust and intelligence at the core. Watch the full ET NOW feature in the attached video! #Perfios #GFF2025 #ETNow #AIforBFSI #FintechIndia #FinancialInnovation #Leadership

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Abhishek Lahiri has been appointed as Vice President of Public Policy at Mastercard, where he will oversee strategic policy initiatives across South Asia. With extensive experience in fintech, payments, and regulatory affairs, he will focus on policy engagement, strengthening industry partnerships, and aligning Mastercard’s initiatives with evolving regulatory frameworks. Before joining Mastercard, he led public policy efforts for fintech and payments at Google, shaping regulatory strategies for GPay and engaging with policymakers to drive financial inclusion. His previous roles also include leadership positions at Amazon Pay India and Meta, where he played a key role in regulatory advocacy and digital payment expansion. With over decades of expertise in fintech and emerging technologies, Abhishek Lahiri has been instrumental in shaping policy frameworks across multiple markets, including India, South Asia, Africa, and the Middle East. His experience in AI, cloud computing, e-commerce, and digital payments positions him as a key influencer in the industry. At Mastercard, his leadership is expected to enhance the company’s engagement with governments and stakeholders, reinforcing its commitment to financial inclusion, digital transformation, and regulatory collaboration across South Asia. #PublicPolicy #Fintech #DigitalPayments #RegulatoryAffairs #FinancialInclusion #Mastercard #PolicyLeadership #DigitalTransformation #EmergingTechnologies #AI #CloudComputing #Ecommerce #cxolanes

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IPO-bound fintech startup BharatPe has appointed former Paytm senior vice president Ajit Kumar as its new CTO, following the departure of its previous CTO, Pankaj Goel, a few months ago. BharatPe said Kumar will lead the startup’s technology strategy and drive innovations across its payments and lending platforms. Before this, he spent around nine years at Paytm, joining as a general manager in 2017. 🔗 Read full article link in comment #bharatpe #ipo #paytm #CTO #appointment #newrole #growth

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#SMSOTP Is Aging — Time to Elevate Trust The Reserve Bank of India (RBI) has made it clear: from April 2026, reliance on SMS OTP alone won’t cut it. New rules will allow—but also demand—stronger, more dynamic two-factor authentication ( #2FA ) to safeguard financial, e-commerce, and digital ecosystems. Why? Because SMS OTP is vulnerable to: • #SIMswap attacks • Man-in-the-middle interception • Delays or failures in delivery • Reuse or replay attacks Meanwhile, high-stakes sectors — banking, insurance, payments, e-commerce — cannot afford breach exposure, regulatory blowback, or reputational damage. That’s where #SAFrAuth steps in as the safest, most future-resilient authentication solution: What SAFr Auth Brings to the Table Feature Benefit Transaction-unique “proof of possession” (dynamic token) One-time use, tied to a transaction — no reuse or replay Multi-factor design (something you have + something you know / biometrics) Even if one factor is compromised, entire auth doesn’t collapse Device-binding & cryptographic validation Prevents cloning, impersonation, or token theft Risk/context aware checks Additional scrutiny for unusual behavior, geolocation, device changes Regulatory alignment Fully aligned with RBI’s requirement that at least one factor be dynamically created and unique per transaction Why Enterprises Should Adopt SAFr Auth Now 1. Regulatory readiness — Meet RBI’s upcoming mandate before penalties or forced transitions kick in. 2. Customer trust — Reduce fraud, enhance confidence, and reduce friction in user journeys. 3. Cost efficiency long-term — Less fraud claims, chargebacks, and remediation expense. 4. Scalability & flexibility — Can cover web, mobile, IoT, APIs — not just SMS channels. 5. Competitive edge — You can market “zero-SMS fraud” or “token-based secure 2FA” as a differentiator. If you’re a bank, insurance firm, e-commerce platform, fintech, or any organization handling sensitive or monetary transactions — don’t wait. The era of “send SMS, get OTP” is nearing its sunset. Let’s talk about how SAFr Auth can be integrated cleanly into your infrastructure, checkout flows, mobile apps, APIs, and risk engine — with minimal friction and maximum security. DM me or Daxesh Parikh to explore a pilot or proof of concept. The future of safe authentication is here — will you lead, or be forced to upgrade? #CyberSecurity #Authentication #2FA #FinTech #DigitalSecurity #BankingInnovation #RegTech #CustomerTrust #SAFrAuth

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🏦 How VuNet - A Proud Make in India Company - is Empowering India's Public Sector Banks to Excel in EASE Reforms 🚀 With the recent launch of EASE 8.0 by the Indian Banks' Association, India's Public Sector Banks are entering a new phase of their digital transformation journey. As banks adapt to the latest Enhanced Access & Service Excellence reforms, the need for robust IT observability and performance management has never been more critical. 🇮🇳 Make in India, For India's Financial Future As a homegrown technology company, VuNet understands the unique challenges faced by India's financial institutions. Our solutions are built ground-up to address the specific needs of Indian banking ecosystem, regulatory requirements, and customer expectations. VuNet's Strategic Role in EASE 8.0 Success: 🔍 Real-Time Performance Monitoring Our AI-powered observability platform enables PSBs to track comprehensive performance metrics mandated under EASE 8.0 reforms in real-time, providing complete visibility into digital banking operations and customer touchpoints. 📊 Customer Experience Excellence With end-to-end transaction monitoring across mobile banking, internet banking, and UPI platforms, VuNet helps banks identify and resolve performance bottlenecks before they impact customer experience - a key EASE evaluation parameter. ⚡ Operational Efficiency & Risk Management Our platform's predictive analytics and automated root cause analysis significantly reduce Mean Time to Resolution (MTTR), ensuring banks meet their operational excellence targets while maintaining robust risk management frameworks. 🎯 Business Growth Enablement By providing deep insights into application performance, infrastructure health, and user behavior patterns, VuNet enables PSBs to make data-driven decisions that drive business growth and profitability - core pillars of EASE reforms. 💡 Next-Generation Banking Support As EASE 8.0 focuses on advanced digital transformation initiatives, VuNet's comprehensive monitoring ensures seamless service delivery across all banking channels while supporting emerging technologies and customer expectations. The Result? Enhanced operational resilience, improved customer satisfaction scores, and better regulatory compliance - exactly what EASE 8.0 reforms aim to achieve. Proud to be a Make in India success story, partnering with India's leading PSBs and key financial institutions in their transformation journey! 🇮🇳 Supporting India's financial sector with world-class technology built right here in India - that's our commitment to Atmanirbhar Bharat. #EASE #PublicSectorBanks #DigitalTransformation #BankingTechnology #VuNet #Observability #FinTech #IndianBanking #MakeInIndia #AtmanirbharBharat #IndianFintech

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🚨 Payments Council of India reappoints CCAvenue exec Vishwas Patel as chairperson The Payments Council of India (PCI) has reappointed Vishwas Patel, Joint MD of CCAvenue, as Chairperson for the 2025–27 term. MN Srinivasu (BillDesk) and Nalin Bansal (NPCI) will serve as Co-Chairpersons. With over 190 members, PCI represents India’s non-bank payments industry and works with regulators like RBI and the Finance Ministry to advance the vision of a “less-cash” economy. Leaders from Razorpay, PhonePe, Google Pay, MobiKwik, Amazon Pay, PayPal, Mastercard, and others were also named to head key committees. Read more at: https://lnkd.in/gpTBMQ_J By Sayan Sen #DigitalPayments #Fintech #PCI #UPI #FinancialInclusion

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India’s MSME sector presents a vast and untapped opportunity. The MSME Pulse Report from TransUnion CIBIL Limited and SIDBI(Small Industries Development Bank of India), reveals a significant credit gap—while over 6.3 crore MSMEs are registered, only 3.7 crore have ever accessed formal credit underscoring the need for innovative lending solutions.   This is exactly why at NBFCs, we are uniquely positioned to address this gap, especially for New-to-Credit (NTC) MSMEs, who made up 47% of new loans in the last quarter. NBFCs hold a 38% share in low-risk borrowers, second only to private banks. Structured loan providers could leverage this segment for stable returns. Our agility and tailored products help us reach underserved segments, particularly in high-growth states like Uttar Pradesh, where trade and small enterprises are thriving.   Delinquency rates are at their lowest in five years, reflecting improved credit quality and the effectiveness of emerging underwriting models. By focusing on comprehensive borrower profiling and expanding our footprint in key geographies, we are not just closing the credit gap—we are fuelling India’s next wave of economic growth. Read the full report here: https://lnkd.in/d4via-A9   #MSME #NBFC #CreditGap #FinancialInclusion #NewToCredit #IndiaGrowth

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