A recent report from BCG and Google projected that the Indian payments industry is estimated to grow 10 times to reach $500 billion by 2020. This steep growth, obviously, will come on the back of disruption and innovation that the industry has already begun to witness.


May 23, 2018 | Taj Lands End, Mumbai
09.00am - 09.50am Registration & Networking
09.50am - 10.10amWelcome Address by: News Corp VCCircle
  • Shalil Gupta - Chief Business Officer, NewsCorp VCCircle
10.10am - 10.30am Keynote Address:
  • Manas Nath - NonStop Enterprise Division, Hewlett Packard Enterprises
10.30am - 11.30am Panel Discussion I: Local vs Global players: Who is better placed to win the Indian market?
Major global players like Amazon , Whatsapp, Hike, and Google are quickly moving into the payment space. This is going to present challenges for the existing wallet players and payment banks. International players are pumping in big bucks, thus showing an increasing interest in this sector. In the light of these developments and the entry of so many new 'big' players, how are the incumbents gearing up for the battle? Will bringing those on the sidelines into the consumption fold.
  • Sandeep Murthy - Partner, Lightbox
  • Bhaktha Keshavachar - Co founder & CTO, Ezetap
  • Narayanan SP - CEO, NSDL Payments Bank
  • Rajnish Khare - Head Digital Transformation, Social Business, HDFC Bank
  • Vishwas Patel - CEO, CC Avenue
  • Archna Shukla, Editor in Chief, NewsCorp VCCircle (Moderator)
11.30am - 11.45am Networking Break

11.45am - 12.45pm Panel Discussion II: New Regulations - A hurdle or a necessity?
The mandatory full KYC certification, phased introduction of interoperability and restriction on peer-to-peer fund transfer in semi-KYC wallets are some of the guidelines issued by the Reserve Bank of India that sent the payments industry into a tizzy. Likewise, the new norms for prepaid payment instrument license were also considered stringent by the industry. While the urge on the part of the government to regulate the fast growing industry is understandable, does a stringent regulatory environment pose the threat of stifling a growing sector?
  • KA Srinivasan - Partner, Ventureast
  • Rohan Bagai - Partner, AZB & Partners
  • Sandeep Ghule - Co founder & CFO, TranServ
  • Mihir Gandhi - Director, Leader- Payments Transformation, PwC India (Moderator)
12.45pm - 01.45pm Networking Lunch

01.45pm - 02.05pm Special Address: Emergence of AI, VR, Blockchain and their impact on the payments and FinTech industry
  • Deepak Sharma - Chief Digital Officer, Kotak Mahindra Bank
02.05pm - 03.05pm Panel Discussion III: New Fintech & Payments startups: What makes the Indian Revolution unique?
Going by the strong growth in the number of startups in the last two years, India has emerged as the largest FinTech hub beating even the US. A look at the varied solutions new-age entrepreneurs are coming up with to serve the diverse set of Indian consumers. Also, what are the business models that these startups are adopting to sustain themselves? What are the value offerings for investors?
  • Badal Malick - Principal Innovation Officer, Catalyst
  • Pratik Jain - Director, Actis
  • Jiten Gupta - Managing Director, PayU
  • Piush Kothari - Head – Strategy, Digital Business & Customer Analytics, Aditya Birla Payments Bank
  • Niren Shah - Managing Director, Norwest Venture Partners (Moderator)
03.05pm - 03.20am Networking Tea Break

03.20 - 03.55pm Session: ‘Fintech for the Last Mile’ Showcase
Fintech innovation today focuses heavily on a small segment of the population. CATALYST‘s ‘Fintech for the Last Mile’ Incubator program promotes innovative and scalable fintech solutions that address the needs of traditionally underserved market segments. The five entities shortlisted by the program are testing innovative digital payment solutions for last-mile consumers by focusing on network effects. What unique value do the startups offer to customers at the base of the pyramid? How is Catalyst enabling them to create digital impact? An opportunity for investors to explore prospects to invest in future solutions that are highly scalable and are for the mass markets.

03.55pm - 04.45pm Panel Discussion IV: Meeting the payments needs of Bharat – Need for Financial Inclusion and Innovation
Given that a large population in the country is still unbanked and given the government's agenda of inclusion, what experiments are being made to serve the un and under-served? Are the government's policies/initiatives (UPI, Aadhar, eKYC, demonetization, digitization, etc) helping achieve that agenda?
  • Krishnan Dharmarajan - ED, CDFI
  • Vaibhav Lodha - Co founder, ftcash
  • Ashutosh Srivastava - Chief Distribution & Retail, Oxigen Services
  • Abhishant Pant - Founder, Cashless Journey
  • Shalil Gupta - CBO, NewsCorp VCCircle (Moderator)
04:45pm - 04:55pm Closing Keynote
04:55pm onwards VCCircle Unwind
Continue the energy and networking of the day with more social time with top entrepreneurs and leading investors.


Ashutosh Srivastava

Chief Distribution & Retail, Oxigen Services

Ashutosh joined Oxigen as an Executive Director for Retail Sales Operations. He is responsible for handling West and South India as a region which includes Madhya Pradesh, Gujarat, Rajasthan, Maharashtra, Mumbai, Tamil Nadu & Kerala. Ashutosh has over 29 years of cross functional Operations experience spanning multiple industries such as Telecom/FMCG, Consumer Durables, Advertising, Market Research etc.

He has a proven track record across various domains and has expertise in the fields of Operations management; he has worked closely with Start Ups and is an expert in the establishment of Start Ups; he has rich experience in services related to customer centricity & has contributed towards innovative customer service & satisfaction solutions; he is also experienced in the domain of Strategic Planning & Team Building.

In his long, illustrative career, Ashutosh has worked in top notch Corporates before joining Oxigen. He has held leadership positions in the past and previously worked with companies like Kodak India Ltd., Ceat Ltd., Zip Telecom Ltd. and Reliance Communications Ltd among others. He pursued his MBA from the Faculty of Management Studies (FMS), Jaipur. In his spare time, Ashutosh likes to travel, read and indulge in various adventure sports.

Deepak Sharma

Chief Digital Officer, Kotak Mahindra Bank

Deepak Sharma heads Kotak Mahindra Bank’s digital initiatives where he drives digital transformation, business model innovation & future ready initiatives of the bank. He is responsible for efficiency, productivity, customer experience & growth of business through digital intervention across digital channels, lending, payments, investments, insurance, trade & forex, across Consumer, SME & Institutional banking segments. Deepak also leads the Innovation Lab, Design Studio, Fintech partnerships and Start-up ecosystem participation for the bank.

Under his leadership, Kotak launched several innovative and global first products like 811, Jifi, Hashtag banking, Bharat Banking, M-Store & Kaypay, apart from new initiatives like API Banking, BYOD Biometric Banking & Robotic Process Automation. Deepak believes in constant innovation and focuses on building business models which are customer centric, value accretive and disruptive. Deepak has worked across various international markets and brings global perspective to his business. Prior to this, he was responsible for setting up the Bank’s highly successful Non Resident Indian (NRI) & International Remittance business. Deepak also played a key role in launching the Bank’s affluent banking programme - Privy League.

With over 24 years of experience, Deepak’s professional tenure spans across the banking, telecom and service verticals. Prior to joining Kotak, he was part of the leadership team of Consumer Banking at Standard Chartered bank from 2003 to 2008. As National Head for Corporate Business, he was responsible for building the corporate payroll and Wealth Management business. Deepak has completed an advanced programme in Strategy from IIM Calcutta & Lead Certified in Corporate Innovation from Stanford GSB. He is a member of the FICCI National Committee on Fintech 2017-18, Internet & Mobile Association of India (IAMAI) apart from participating at various trade & Government initiatives on Digital India Roadmap. He is also associated with the NASSCOM Startup 10K program and mentors fintech & start-up ecosystems on an ongoing basis.

Narayanan SP

CEO, NSDL Payments Bank

SP is working with NSDL Payments Bank as its CEO Designate. NSDL Payments Bank is about to soft launch its banking services and is in the process of obtaining final approval from RBI for commencement of business.

SP has earlier held leadership positions as Business Head of Mobile Financial Services with Idea Cellular and as Country Head of Value Added services with Idea & Vodafone and in a leadership role with Reliance Communications. Prior to his telecom stint he held leadership position in ICICI Ventures and was Senior Vice President with ICICI Limited. SP has successfully led the Go To Market execution of Idea Money Mobile wallet across select telecom circles while at Idea from an early conceptual stage. Under his leadership non voice revenues across telecom companies have grown multifold during his tenure. He had changed the VAS organization in Idea into an agile and responsive organization based on consumer centric genre from an organization that was structured along technology bearers such as text, voice and data by influencing all stakeholders. He has led transformation projects in Idea and successfully project managed several building blocks such as Service Delivery Platform, Business Intelligence, Customer Life Cycle Management, Content Partner Settlement Portal and VAS Incremental Revenues through Intelligent Segmentations. SP graduated in Chemical Engineering from IIT (BHU) Varanasi and done his PGDM from IIM Ahmedabad.

Sandeep Murthy

Partner, LightBox

As an early investor in InMobi, InfoEdge and Shopclues, three of India's billion dollar technology companies, Sandeep Murthy is one of the builders of India's Internet economy. And he hasn't just seen the highs and lows play out as an investor, but actually roughed it out in operational roles including one as the CEO of Cleartrip in 2006 for three years.

Sandeep did his undergrad in both business and engineering from the University of Pennsylvania as well as an MBA at Wharton. After teaming up with a friend to build a digital music company and a few years of living the Bay Area dream, he moved to New York City to join InterActive Corp (IAC) where he helped launch Gifts.com. He started to explore the India technology opportunity and ultimately moved to Mumbai to manage investments for Sherpalo Ventures, a fund based out of Menlo Park in California. Today he's a co-founder and partner at Lightbox, a Mumbai-based venture capital firm investing in Indian consumer technology companies. The firm’s most recent investments include Furlenco, Droom, Melorra, Embibe and Faasos. He works closely with entrepreneurs to build out internet-based models of consumption in India.

Sandeep Ghule

Co founder & CFO, TranServ

Sandeep has spent 16 years building & marketing payment products at leading Banks in India. TranServ was cofounded by Sandeep with a primary objective of expanding electronic payments in India and reaching out to new customer segments. He manages Strategy, Finance and Regulatory aspects at TranServ.

Prior to TranServ, Sandeep was Senior Vice President and Head of Card Products at HSBC India where he was responsible for Product & Marketing Strategy, Card Spends and delivering a seamless customer experience by working in close co-ordination with other payment functions such as distribution, technology, operations, customer service, compliance and risk management. Sandeep has held a number of key positions in the cards business including the Merchant Acquiring Business. Prior to HSBC, Sandeep was with ICICI Bank in their Ecom division and pioneered the concept of distributing online payment products through brick and mortar retail channels.

Bhaktha Keshavachar

Co - founder & CTO, Ezetap

Desperate to put "Made in India" on a product designed and manufactured in India, Bhaktha has led the architecture and development of the flagship mobile payment product and platform which enables any merchant, retail or enterprise, to accept payments in all digital forms in a smart way. Ezetap's product crafting involves hardware design, mechanical design (both ID and MD}, firmware development, mobile (and other platforms) app development and server application development.

Bhaktha worked for a large microprocessor company for more than a decade before taking the entrepreneurial plunge and co-founding Ezetap. Bhaktha was born and brought up in Bangalore. He studied in a Govt. School till his middle school, was a Josephite during high school and pre-university; and got his degree in engineering from UVCE. He also has a Masters from Arizona State. His main hobby is bare-foot long distance running and occasionally also loves riding his bike on Sunday mornings to de-stress.


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