Agenda

2026

Masterclass

Understanding MSME Value Chain for Better Lending

Shashank Shekhar

Co-founder and Head of Consulting

The Digital Fifth

Lamplighting & Inauguration

Shri Neelkanth Mishra

Chairman

Unique Identification Authority of India (UIDAI)

Key Note

Aadhaar and the Future of Digital Identity – Strengthening the Rails of Financial Infrastructure

Aadhaar as a DPI Backbone for Financial Services: driving the next chapter of growth through secure and verifiable digital id as an enabler.
Staying Ahead of Tech Shifts: Leveraging AI, mobile-first design, and privacy tech for secure financial access.
Accelerating Innovation Through Ecosystem Collaboration: Partnering with banks, fintechs, and startups to unlock new Aadhaar-powered financial use cases.

Shri Neelkanth Mishra

Chairman

Unique Identification Authority of India (UIDAI)

Key Note

Reimagining Digital Identity for Fintech: The Aadhaar App Advantage

Shri Vivek Chandra Verma

Deputy Director General

Unique Identification Authority of India (UIDAI)

Key Note

The Growth Playbook for Digital Payments: Partnerships, Platforms, and Possibilities

Designing partnership-first growth models for digital payments.
Expanding the payments value chain beyond transactions - loyalty, credit, and insights.
Using data, AI, and digital identity to personalize consumer payment experiences.
Making growth inclusive and sustainable through trust and innovation.

Sohini Rajola

Executive Director- Growth

NPCI

Key Note

The Future of Finance is Intelligent and Personal: Leading with Purpose, Data, and AI Design

Making high-stakes decisions in a fast-changing digital environment
From personalization to prediction — how AI is helping banks & fintechs anticipate customer needs, not just react to them.
Using generative AI and data responsibly to create deeper, more human connections in digital banking.
⁠⁠Building emotionally intelligent banks that understand evolving customer behavior.

Shanti Ekambaram

Ex - DMD

Kotak Mahindra bank

Key Note

From Global Playbooks to India-First Thinking: The Rise of Homegrown Consulting Firms

How the PMO’s focus on building domestic advisory capability is shaping India’s approach to digital public infrastructure and institution building
Why India’s DPI-led economy requires consulting models deeply grounded in local scale, regulation, and execution realities
How firms like The Digital Fifth are evolving consulting from project delivery to long-term institution and ecosystem building
How homegrown consulting institutions can work alongside global firms while advancing India’s national priorities and global relevance

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth

Report Launch

Embedded Supply Chain Finance

Explores Embedded Supply Chain Finance (ESCF) as an evolving approach to MSME credit in India, alongside existing lending and supply chain finance models.
Examines how liquidity outcomes can improve when credit and payments are aligned more closely with real trade activity - such as purchase orders, inventory movement, invoicing, and settlement - while continuing to coexist with traditional balance-sheet-based lending.
Analyses working-capital dynamics across multi-tier supply chains, focusing on how payment behaviour, transaction flows, and commercial structures influence MSME cash-flow resilience.
Highlights operational and structural factors that can limit the scalability of certain lending models, particularly in fragmented or multi-tier supply chains, without attributing these challenges to any single participant.

Sriram Kanuri

Co-Founder & CEO

Arteria Technologies

Parag Jain

Co-Founder & CTO

Arteria Technologies

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth

Key Note

AI That Impacts Business: How Large NBFCs Are Using AI at Scale to Reduce Credit Risk, Improve Collections, and Drive Profitable Growth

Moving AI from pilots to enterprise-scale deployment
Using AI-driven credit and risk models to consistently reduce portfolio losses.
⁠Applying AI in collections to improve recovery rates and lower operating costs.
Expanding intelligence through alternative data while maintaining strong governance.
Scaling AI responsibly with explainability, bias control, and human oversight.

Sudipta Roy

Managing Director & CEO

L&T Finance

Key Note

Optionality as a Leadership Strategy: Designing Physical, Phygital, and Digital Banks for Resilience, Scale, and Uncertainty

From single-model banks to optionality-first operating models
Designing physical, phygital, and digital as deliberate leadership choices
Phygital as a permanent layer of trust, not a transition phase
Capital, talent, and organization design across three operating modes
Building resilience by avoiding single-channel dependency

Baskar Babu Ramachandran

MD & CEO

Suryoday Small Finance Bank Limited

Panel Discussion

Embedded Supply Chain Finance: Powering India’s Growth Through Frictionless MSME Credit

Unlocking low-cost, real-time credit for MSMEs through data-driven supply chains.
Turning invoices, payments, and trade data into instant liquidity.
Building connected ecosystems where anchors, suppliers, distributors and lenders fuel inclusive growth.
Creating cheaper, faster, and more secure access to working capital for Bharat’s businesses.

Ajit Trimbakkar

Head – Treasury & Financial Services

Saint Gobain India Region

Annapoorna Venkataramanan

Chief Treasury, Capex Inv, Risk & Insurance

ArcelorMittal Nippon Steel India

Amit Goyal

Head - Supply Chain & Structured Trade Finance

ICICI Bank

Ravi Kumar

Chief Digital & Information Officer

Exide Industries Limited

Sriram Kanuri

CEO & Director

Arteria Technologies
Moderator

Key Note

From Digitisation to Decision Infrastructure:The Growth Story of India’s Lending Tech Market

Credit access is scaled; credit quality is now the priority.
Lending tech has become the backbone of credit decisioning.
Risk models are shifting from static scores to dynamic data and AI.
Embedded credit is adding guardrails to prevent hidden risk.
Future lending will be value-led, compliant, and trust-driven.

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth

Key Note

Building the Future of Home Finance: Growth, Risk, and Digital Discipline

Navigating the transformation from traditional lending to digital-first housing finance.
Managing credit quality and risk in a high-growth, high-volatility environment.
Building sustainable balance sheets with technology-enabled underwriting.
Leveraging data and automation for faster, fairer credit decisions.
The role of trust and prudence in scaling financial inclusion through home loans.

Laks Duraiswamy

Managing Director

Sundaram Home Finance

Key Note

Financing Aspirations: The Next Chapter in Affordable Housing

Building sustainable business models for affordable home finance in India.
Leveraging data, partnerships, and digital processes to simplify credit access.
Balancing affordability with profitability and risk management.
The evolving role of lenders in enabling financial security and social mobility.
Collaborating across ecosystem players to scale inclusive home ownership.

Manish Sheth

MD & CEO

JM Financial Home Loan

Key Note

From Payments Rails to Financial Infrastructure: Reimagining Merchant Acquiring

Merchant acquiring has reached massive scale across India.
Growth is shifting from onboarding to monetization.
Payments are becoming a gateway to merchant services.
Transaction data is emerging as a core advantage.
The next phase will be driven by profitability and depth.

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth

Panel Discussion

Aadhaar : Fuelling Fintech Innovation

Exploration of how mobile based identity verification is emerging as the default verification method across fintech, banking, government, and private sector services.
Discussion on the shift from document centric KYC to app based and wallet based identity verification models powered by Aadhaar.
Insights into how fintech platforms can embed identity technology as a product feature, enabling bundled offerings such as onboarding, authentication, consent based data sharing, and fraud prevention.
Examination of Aadhaar enabled verification as an infrastructure layer that reduces cost, improves user experience, and accelerates product innovation for fintechs.
Analysis of the role of India’s DPDP framework in shaping the future of identity verification, with a focus on consent, data minimisation, and user control.

Smt. Tanusree Deb Barma IAS

Deputy Director General

UIDAI

Sanket Nayak

CoFounder

Digio

Ramkumar Thirumurthi

Chief Revenue Officer (CRO)

Setu

Manish Kumar Gupta

Chief Executive - Urban Unsecured Business

L&T Finance

Vinay Kesari

Independent Director

Capital Mutual Fund
Moderator

Key Note

Modernising Collections with Account Aggregator and AI

Why Bharat needed new financial infrastructure.
Creating intelligent, invisible, and inclusive credit experiences.
The role of fintech infrastructure in India’s growth story.
Collaboration as the future of financial innovation.
Reflections on the next decade of fintech entrepreneurship.

Nirav Prajapati

Co-founder & CEO

IGNOSIS

Panel Discussion

The New Playbook for Merchant Acquiring in a UPI-Led Market: From Pricing Transactions to Enabling Merchants

⁠Transitioning from MDR-led pricing to bundled, value-added merchant services
Role of QR, soundboxes, and SoftPOS in accelerating merchant adoption & engagement
Acquiring platforms as distribution rails for credit, data insights, and compliance services
⁠Designing sustainable merchant economics beyond pure transaction revenue

Anand Seenivasagan

Founder & CEO

PaySprint

Arif Khan

Chief Innovation Officer

Razorpay

Indraneel Pandit

Chief Digital Officer

Federal Bank

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth
Moderator

Fireside Chat

From First Customer to Becoming Industry Backbone: Lessons from Scaling Perfios

V.R. Govindarajan

Co-founder & Executive Chairman

Perfios Software Solutions

Rahul Mehta

Director, Co-lead, Financial Services

Kedaara Capital

Demo

Decisioning, Reimagined Powered by Agentic AI

Mohit Shah

Chief Executive Officer

Glib

Panel Discussion

From Technology Projects to Institutional Decisions: Why Every Tech Choice Now Matters

⁠From delivery milestones to balance-sheet and P&L impact
⁠Architecture as a determinant of compliance cost and operational leverage
Technology choices that define cost-to-serve across physical, phygital, and digital models
⁠Designing for growth without regulatory or operational drag
⁠CTO / CDO accountability for productivity, partnerships, and performance not just platforms

Rohit Kilam

Chief Technology Officer

HDFC Life

Ajay Thomas John

Group Chief Digital Officer (CDO)

Shriram Capital

Ramesh Narayanaswamy

Chief Technology Officer

Aditya Birla Capital

Kushal Rastogi

Founder & CEO

Knight Fintech

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth
Moderator

Masterclass

Key Note

From Complexity to Opportunity: Unpacking the B2B Payment Landscape

Vikrant Kulkarni

Director

The Digital Fifth

Lamplighting & Inauguration

Shri Neelkanth Mishra

Chairman

Unique Identification Authority of India (UIDAI)

Key Note

Aadhaar and the Future of Digital Identity – Strengthening the Rails of Financial Infrastructure

Aadhaar as a DPI Backbone for Financial Services: driving the next chapter of growth through secure and verifiable digital id as an enabler.
Staying Ahead of Tech Shifts: Leveraging AI, mobile-first design, and privacy tech for secure financial access.
Accelerating Innovation Through Ecosystem Collaboration: Partnering with banks, fintechs, and startups to unlock new Aadhaar-powered financial use cases.

Shri Neelkanth Mishra

Chairman

Unique Identification Authority of India (UIDAI)

Key Note

Payments Vision 2030: When Scale Is No Longer Success

Why Value and Volume are no longer meaningful measures of success
Measuring real impact: inclusion, resilience, trust, and economic outcomes
Payments as mission-critical national infrastructure, not just industry rails
Designing payment systems for resilience, trust, and crisis readiness
India’s opportunity to define global benchmarks for the future of payments

Vikrant Kulkarni

Director

The Digital Fifth

Demo

From Non‑Performing to Non‑Problematic: how strategic portfolio sales improve balance health

Bhupesh Dhawan

Director & CEO

R2P Capital

Panel Discussion

From Volume to Value: The Future of Payments Monetisation

Monetising payments beyond MDR - credit, collections, data, and services
Enterprise and cross-border payments as the next revenue frontier
Turning trust, risk management, and compliance into monetisable capabilities
Aligning incentives across banks, fintechs, and platforms for long-term value creation

Rohan Agrawal

Product Manager

86400

Ashok Selva Ganesan

COO

Zoho Payment Technologies

Munya Chiura

Executive, International Markets

CBZ Holdings Limited

Vikrant Kulkarni

Director

The Digital Fifth
Moderator

Demo

SprintContractX: Contract management with Visibility, Control & Compliance

Prateek Gautam

Director of Sales

PaySprint

Rahul Kumar Jha

Product Manager

PaySprint

Panel Discussion

UPI Beyond Payments: Credit, Intelligence, and India’s Next Growth Engine

UPI as a credit distribution rail - embedding instant, contextual financing into everyday payments
UPI Lite and low-friction payments unlocking high-frequency, small-ticket commerce
Cross-border UPI - expanding India’s real-time payments model to global corridors
AI and intelligence layers for fraud prevention, smart routing, and personalisation
UPI for enterprises - recurring collections, mandates, and cash-flow efficiency at scale

Satyajit Kanekar

Co-Founder

86400

Lalit Chowdhary

Senior Vice President – Implementation & Delivery

Mindgate Solutions

Vijayendra Sharma

Digital Banking (Retail)

TASC & Government Banking CSB Bank

Vikrant Kulkarni

Director

The Digital Fifth
Moderator

Key Note

Open Finance in India: UPI for Credit, AA 2.0. and Beyond

Vikrant Kulkarni

Director

The Digital Fifth

Panel Discussion

Liquidity Unlocked: Rethinking Cash Management in a Real-Time, Digital-First Economy

How real-time payments and collections led by UPI, Bharat Connect are reshaping enterprise liquidity cycles
From fragmented inflows to unified collections-driven liquidity visibility
Impact of instant settlement on intraday liquidity, float, and funding strategies
Embedding payments and collections into treasury and finance decision-making
Securing liquidity flows across payments, collections, and settlements at scale

Vivek Venugopalan

Director and Product Head - Global Payment Solutions, India

HSBC

Mahima Garg

Head- Payments & Liquidity Management Services, Indian Subcontinent

Citi

Aman Dalal

Head - Transaction Banking

IDFC FIRST Bank

Vaibhav Tambe

Co-Founder & CEO

TransBnk
Moderator

Fireside Chat

Governance as a Growth Engine: Driving Trust and Scalable Growth in a Highly Regulated Digital Era

Saurabh Mathur

Chief Operation Officer

Credit Saison

Kapil Dev

Chief Operating Officer

Progcap

Govind Dichwalkar

Chief Operating Officer

TransBnk
Moderator

Panel Discussion

Seed to Series A in Fintech: Capital, Compliance, and the Path to Scale

How capital expectations evolve from seed to Series A
Role of compliance and regulatory readiness in early scale
Transition from product–market fit to sustainable business models
Governance and institutional readiness for Series A funding
Building scalable fintech companies in a regulated market

Anup Kumar Agarwal

Founder & CEO

noBias Investing

Mehekka Oberoi

Fund manager

IIFL Fintech fund

Anurag Ashok Begwani

Vice President - India

Bessemer Venutre Partners

Harsh Gupta

Principal

Flourish Ventures

Vikram Chachra

Founding Partner

8i Ventures
Moderator

Speaker Session

Strategic Capital in Fintech: How Growth and Institutional Investors Assess Scale, Synergy, and Risk

How strategic and institutional capital differs from venture capital in fintech
Assessing scale readiness: metrics beyond topline growth
Evaluating strategic fit and ecosystem synergies
Governance, compliance, and risk management expectations
Long-term value creation versus short-term growth priorities

Deepak Sharma

Digital Leader

Demo

Launching India’s first ever integrated Sales Performance Management (SPM) platform for BFSI

Pankaj Gupta

Founder & CEO

ACT21 Software

Panel Discussion

Scaling Fintech Platforms: Enterprise Revenue, Consumer Reach, and Capital Discipline

How enterprise and consumer fintech models differ in growth velocity, predictability, and scalability.
The importance of revenue visibility, margins, and unit economics as platforms mature.
Where and how growth capital is deployed across product development, sales, compliance, and expansion.
The role of regulatory readiness, security, and trust in enabling sustainable platform scale.
How late-stage investors assess valuation, profitability timelines, and exit readiness.

Varun Telaprolu

Principal

Warbug Pincus

Anand Prasanna

Managing Partner

Iron Pillar

Gaurav Sekhri

Head - Private Equity

Hero Enterprise

Hero Choudhary

Managing Partner

BEENEXT

Ajay Ramasubramaniam

Founder & CEO

Startup Réseau
Moderator

Lamplighting & Inauguration

Shri Neelkanth Mishra

Chairman

Unique Identification Authority of India (UIDAI)

Key Note

Aadhaar and the Future of Digital Identity – Strengthening the Rails of Financial Infrastructure

Aadhaar as a DPI Backbone for Financial Services: driving the next chapter of growth through secure and verifiable digital id as an enabler.
Staying Ahead of Tech Shifts: Leveraging AI, mobile-first design, and privacy tech for secure financial access.
Accelerating Innovation Through Ecosystem Collaboration: Partnering with banks, fintechs, and startups to unlock new Aadhaar-powered financial use cases.

Shri Neelkanth Mishra

Chairman

Unique Identification Authority of India (UIDAI)

Key Note

Bharat Credit 2030: The Tech Architecture for Scalable, Sustainable, and Low-Cost Lending

Building modular, API-driven lending stacks that cut intermediation costs and enable real-time credit delivery.
Leveraging AI, analytics, and automation to streamline origination, underwriting, and servicing at scale.
Integrating Supply Chain Finance (SCF), Account Aggregator (AA), and ULI frameworks for seamless credit flow across ecosystems.
Creating a sustainable growth model - efficient, interoperable, and resilient to regulatory and market shifts.

Shashank Shekhar

Co-founder and Head of Consulting

The Digital Fifth

Key Note

The Future of Lending: Building Scale, Speed & Soul in a Digital Economy

AI that augments human judgment and empathy - enhancing customer experience without losing trust.
Using AI to scale lending intelligently while improving unit economics and long-term profitability.
Moving from one-time credit decisions to AI-driven, lifelong financial relationships and personalization.
Leading with responsible AI: smarter risk, real-time decisions, and continuous transformation at scale.

Shekhar Bhandari

President - Small and Medium Enterprises

Kotak Mahindra Bank

Panel Discussion

The MSME Lending Playbook 2030: Where’s the Business & How to Win It

Identifying high-growth MSME clusters - manufacturing, logistics, agri, retail, and services driving the next credit boom.
Using data, AI, and open networks (OCEN, AA, UPI) to unlock visibility and credit access at scale.
Building low-cost, high-yield portfolios through embedded, anchor-led, and co-lending models.
Winning the MSME market with speed, intelligence, and scalable risk frameworks that balance growth and control.

Aditya B Chatterjee

Managing Director

Equifax

Ashish Mehrotra

MD & CEO

Northern Arc Capital

Hemant Shah

Executive Director

Suryoday Small Finance Bank Ltd

Venkatesh Kap

Founder and CEO

Ebitaus

Rahul Mallick

Director

Flamingo Infinite
Moderator  

Demo

Building intelligent AI-powered decisioning for digital credit

Sanoop Sashindran

Product Head

FinBox

Panel Discussion

Instant Credit Nation: How India Is Redefining Borrowing at the Speed of Data

How fintechs and NBFCs are scaling unsecured credit responsibly through AI and data diversification.
The rise of personalized, use-case-based credit — from BNPL to micro-consumption loans.
Balancing speed with sanity — what regulators, investors, and customers expect next.
Building sustainable growth through data-backed portfolio discipline.

Sameer Gupta

Head Product - Unsecured Business Loans

Hero FinCorp

Sachin Seth

Regional MD

CRIF India & South Asia

Aman Goel

Co-founder & CEO

GreyLabs AI

Manish Kumar Gupta

Chief Executive - Urban Unsecured Business

L&T Finance

Shashank Shekhar

Co-founder and Head of Consulting

The Digital Fifth
Moderator

Demo

Straight Through Processing for MSME Loan by OPL Innovate

Gaurav Vipani

Associate Vice President

OPLinnovate

Panel Discussion

Building the Credit Engine of the Future: Tech, Trust, and Transformation for NBFCs

From siloed systems to unified lending ecosystems.
Using AI and analytics to underwrite smarter and faster.
Digitizing operations without losing the human element in credit.
Making compliance and governance native to the tech stack.
How India’s NBFCs can power the next trillion in credit growth.

Ramaswamy Subramanian

Deputy Chief Executive Officer

Dvara KGFS

Jagdish Narayanan

Chief Technology Officer

Equifax India

Sanjay Hinduja

Managing Director & CEO

Shapoorji Pallonji Finance

Ashish Gupta

Chief Transformation & Analytics Officer

Auxilo Finserve

Srijan Nagar

Co-Founder

FinBox
Moderator

Masterclass

Building Modern Digital Journey

Shashank Shekhar

Co-founder and Head of Consulting

The Digital Fifth

Trialogue

Financing Infrastructure: The New Blueprint for CV & CE Lending

Digitizing value chains for truckers, fleet owners, and contractors.
AI-driven scoring that blends business cash flow with asset performance.
Flexible repayment and usage-linked EMI models improving credit health.
Collaboration between financiers, OEMs, and digital marketplaces unlocking new growth corridors.

Vinod Kumar

Chief Digital Officer (CDO)

Shriram Finance Limited

Debnil Chakravarty

Chief Executive Officer

IKF Finance Limited

Paritosh Vatsal Tripathi

Founding Member

Signzy
Moderator

Panel Discussion

Next-Gen Home Finance: Driving Prime & Affordable Lending with Intelligence and Design

Leveraging data intelligence and automation to optimize products across prime and affordable segments.
Using AI-driven pricing, underwriting, and experience design to expand reach and profitability.
Building collaborative ecosystems between banks, HFCs, PropTechs, and fintechs to scale efficiently.
Delivering faster approvals, lower costs, and inclusive access through design-led digital journeys.

Vivek Agarwal

Co-Founder & CTO

Square Yards

Narendranath Mishra

Head Retail & Agri Loans

DCB Bank

Amol Joshi

Chief Financial Officer

TransUnion CIBIL

Priyam Alok

Deputy Managing Director

Saraswat Bank

Shashank Shekhar

Co-founder and Head of Consulting

The Digital Fifth
Moderator

Demo

FinessArt Platform Demo

Sriram Kanuri

Co-Founder & CEO

Arteria Technologies

Parag Jain

Co-Founder & CTO

Arteria Technologies

Panel Discussion

The Great Integration: How Embedded Finance Is Rewiring Credit, Payments & Commerce

Breaking boundaries between banks, fintechs, and marketplaces through API-led ecosystems.
How embedded credit is transforming MSME, B2B, and consumer finance.
The future of co-branded finance — partnerships between anchors, merchants, and lenders.
Making embedded finance compliant, profitable, and scalable across sectors.

Rakesh Bhatt

Founder & CEO

Rahi Platform Technologies

Ashish Goyal

Co-Founder and Whole-Time Director

Fibe

Lavin Kotian

Co-Founder & CTO

TransBnk - Transaction Banking Platform

Sumoth C

Head-Fintech Partnerships

Federal Bank

Sayali Karanjkar

Founder & Chief Executive Officer

Lenskart
Moderator

Fireside Chat

MSME financing - Is it a problem or an Excuse ?

Ramgopal Subramani

Industry Leader

Vaibhav Tambe

Co-Founder & CEO

TransBnk
Moderator

Panel Discussion

Inclusion by Design: Building Financial Products That Reach Everyone

Mayur Modi

Co-Founder & Co-CEO

Moneyboxx Finance Limited

Kartik Mehta

Co-founder and Managing Director

Pahal Financial Services Pvt. Ltd

Pawan Bakhshi

India Lead, Inclusive Financial Systems

Gates Foundation

Thomas Muthoot John

Executive Director

Muthoot Microfin

Clemenston Varghese

Co-Founder

Dvara Money
Moderator

Masterclass

From Paper to Platform: Business Case for Transforming HL/LAP Through Digital

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth

Trialogue

From Mobile First to AI First: The Next Frontier of Digital Banking

How AI is reimagining mobile platforms into dynamic, learning ecosystems.
Orchestrating hyper-personalized journeys through AI, data, and design.
Real-time intelligence: moving from reactive apps to proactive digital companions.
Challenges of integrating generative AI into regulated banking environments.
The roadmap for future-ready banks agile, predictive, and customer-obsessed.

Anjani Rathor

Chief Digital Officer

HDFC Bank

Mahesh Ramamoorthy

Chief Information Officer

Yes Bank

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth
Moderator

Trialogue

India’s Financial Pulse: Banking, Credit, and Growth in a Changing Economy

The evolving interplay between credit expansion and economic momentum.
How banks are shaping India’s consumption and investment story.
The role of digital ecosystems in sustaining long-term economic growth.
Emerging risks - inflation, rate volatility, and global contagion.
The outlook for 2026: financial stability and the future of banking strategy.

Nagaraj Garla

Executive Director

IDBI Bank

Rajeev Ahuja

Executive Director

RBL Bank

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth
Moderator

Key Note

Building DPI for Credit: Technology, Trust, and the Promise of ULI

Rethinking credit delivery through platformization and open APIs.
Embedding trust and consent into every layer of digital credit.
Integrating AI-driven risk, alternate data, and real-time decisioning.
From lending silos to a unified digital credit fabric.
Building public-good infrastructure for responsible, scalable credit access.

Shri Sahil Kini

CEO

Reserve Bank Innovation Hub (RBIH)

Key Note

Banking and Fintech collaboration in Eastern Africa: Innovation, Systems, and Infrastructure for Financial Inclusion

Rethinking credit delivery through platformization and open APIs.
Embedding trust and consent into every layer of digital credit.
Integrating AI-driven risk, alternate data, and real-time decisioning.
From lending silos to a unified digital credit fabric.
Building public-good infrastructure for responsible, scalable credit access.

Jimmie Mwangi

Group Chief Information and Digital Officer (CIDO)

Diamond Trust Bank

Fireside Chat

Building Financial Market Infrastructure for Trust, Scale, and Resilience: Leadership lessons from building systems that markets depend on

From platforms to institutions: the leadership shift infrastructure demands
⁠Engineering trust and compliance into systems before scale tests their limits
⁠Why governance determines success at national scale
⁠Leading mission-critical infrastructure across regulatory, market, and leadership cycles
⁠Building institutions that endure crises, scrutiny, and succession

Praveena Rai

Managing Director, Chief Executive Officer

Multi Commodity Exchange of India

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth
Moderator

Partnership announcement and Product Demo

Beyond Conversations: Transforming Customer Experience with AI-Driven CRM Solutions

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth

Sanchit Sood

Chief AI Officer

Kapture CX

Trialogue

The Reinvention Agenda: Scaling Purpose, Technology, and Trust in Modern Banking

Redefining success in the era of sustainable and responsible growth.
Building digital frameworks that strengthen customer and community trust.
Merging technology, human insight, and agility for next-gen banking models.
Lessons from the frontlines of transformation - where purpose meets performance.
Creating enduring value through innovation that matters.

George John

Executive Director

ESAF Small Finance Bank

Anshul Swami

MD & CEO

Shivalik Small Finance Bank

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth
Moderator

Fireside Chat

Beyond Digital: Building Intelligent, Resilient, and Human-Centered Banks

How banks can evolve from digital adoption to intelligent transformation - powered by AI, data, and design thinking.
Redefining customer trust and engagement in a hyper-automated, always-on world.
Balancing innovation speed with operational resilience and governance.
The new leadership mindset - blending agility with accountability.
Collaboration between fintechs and traditional banks: from competition to co-creation.

Sabyasachi Goswami

Chief Executive Officer

Perfios Software Solutions

Mansi Verma

Senior Correspondent

Mint
Moderator

Key Note

The Financial OS of the Future: Modular, Open, and Intelligent

⁠From monolithic cores to API-first, composable financial architectures
⁠Embedding AI into every layer - from risk to customer experience
⁠Open banking evolving into open everything
⁠Building self-updating, interoperable systems for borderless finance

Ramesh Lakshminarayanan

CIO, Group Head -Tech & Digital

HDFC Bank

Trialogue

Transforming Banking in Eastern Africa through Innovation, Infrastructure, and New Collaboration Pathways

The evolving role of technology leadership in reshaping banking across Eastern Africa
Building digital-first financial infrastructure and interoperable platforms
How embedded finance is unlocking new pathways for inclusion and enterprise expansion
What it takes to build trust, interoperability, and resilience in emerging-market financial ecosystems
Opportunities for deeper India–Eastern Africa fintech collaboration

Jimmie Mwangi

Group Chief Information and Digital Officer (CIDO)

Diamond Trust Bank

David Gonahasa

Ministry of Science Technology and Innovation

Government of Uganda

Ajay Ramasubramaniam

Founder & CEO

Startup Réseau
Moderator

Key Note

From Compliance Cost to Compliance Infrastructure: How RegTech Is Powering India’s Next Financial Scale

India’s financial scale has made manual, periodic compliance unviable.
Compliance is evolving from a cost center to core financial infrastructure.
RegTech is moving from point solutions to unified, end-to-end platforms.
Regulation now requires compliance to be embedded into product architecture.
Continuous, AI-led compliance enables scalable, trusted financial growth.

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth

Panel Discussion

The Connected Growth Economy: Redefining Banking, Business, and Technology for India’s MSMEs

The rise of connected platforms for MSME management and finance.
How transaction banking is evolving to serve digital-first enterprises.
Real-time data, embedded finance, and open banking as enablers.
Collaboration over competition — why banks and tech players must co-create.
Making digital adoption frictionless for small businesses.

Manish Kothari

Group President & Head, Commercial Banking

Kotak Mahindra Bank

Sanjiv Bhatia

President & Head - New Economy Group, Financial Sponsors & Multinationals Coverage

Axis Bank

Divyesh Dalal

India Head - GTS and SME, IL & FIG

DBS Bank India

Saikrishnan Srinivasan

Managing Director

Experian Credit Information Company

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth
Moderator

Panel Discussion

When Capital Isn’t Enough: The PE Playbook for Institutional Strength

What PEs underwrite today beyond growth and valuation multiples
⁠Leadership depth, governance quality, and execution discipline as value drivers
⁠How PEs shape technology, risk, and operating models post-investment
⁠Capital efficiency, profitability, and resilience across cycles
⁠What separates scalable institutions from fragile growth stories

Suhas Devaraju

Portfolio - CTO

Warburg Pincus

Mahesh Parasuraman

Co-Founder & Partner

Amicus Capital Partners

Mani Mulki

Managing Director

Kedaara Capital

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth
Moderator

Key Note

Bridging Legacy and Disruption: Building the Next-Gen Financial Ecosystem through Startup Collaboration

Navigating the balance between regulatory discipline and startup agility.
How banks can integrate startup-driven tech into legacy systems effectively.
Scaling innovation from pilots to enterprise-grade deployment.
Future-forward banking — where data, tech, and partnerships converge.

Hitesh Sachdev

Head - Startup Engagement, Innovation & Investments

ICICI Bank

Key Note

Intelligent Investing: How AI is Shaping the Next Era of Wealth Creation

Moving beyond data - building context-aware, AI-powered investing ecosystems.
How AI is democratizing portfolio insights and decision-making for retail investors.
The rise of personalized investing journeys - from mass advice to precision finance.
Redefining trust, transparency, and investor engagement in the AI age.

Vasanth Kamath

Founder & CEO

smallcase

Key Note

Future of Supply Chain Finance

Moving beyond data - building context-aware, AI-powered investing ecosystems.
How AI is democratizing portfolio insights and decision-making for retail investors.
The rise of personalized investing journeys - from mass advice to precision finance.
Redefining trust, transparency, and investor engagement in the AI age.

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth

Panel Discussion

Digital by Design: Creating Resilient Banks for the Next Decade

Architecting systems that are agile, secure, and ready for future disruptions.
Making digital the default - from product design to delivery.
The interplay between cloud, data, and AI in creating smarter financial services.
How CIOs can align technology strategy with business scalability and inclusion.
Building digital-first cultures that adapt faster than technology itself.

Murali Manduva

Chief Technology Officer

DCB Bank

Venkat Krishnan V

Technology Leader

Sony A

Senior General Manager & CIO, Digital - Technology-Alliances-Marketing

South Indian Bank

Lalit Mehta

Co-Founder and CEO

Decimal Technologies

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth
Moderator

Panel Discussion

AI in Action: Redefining Performance, Personalization, and Purpose in Banking

How AI is driving operational excellence and predictive decisioning.
Reimagining personalization through conversational and generative AI.
Balancing automation with empathy in digital banking experiences.
The responsible use of AI - ensuring fairness, transparency, and inclusion.
Creating value beyond profit: AI for sustainable and purpose-driven banking.

Jinand Shah

Chief Innovation Officer and Managing Director

OPL Innovate

Abhijeet Bhattacharjee

Chief Information Officer

Utkarsh Small Finance Bank

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth
Moderator

Fintech & Digital Excellence Awards 2026

Key Note

Evolution of Pa-P(POS) Ecosystem in india

End-to-end architecture of modern merchant acquiring platforms
Integration challenges across PG, QR, SoftPOS, soundboxes, and devices
Powering Diverse customer set - MSMEs to Enterprises
Settlement, reconciliation, reporting, and exception management at scale
Securing and scaling merchant technology platforms sustainably

Vikrant Kulkarni

Director

The Digital Fifth

Trialogue

From Acceptance to Experience: Stepping up the Merchant Acquiring Technology Stack

End-to-end architecture of modern merchant acquiring platforms
Integration challenges across PG, QR, SoftPOS, soundboxes, and devices
Powering Diverse customer set - MSMEs to Enterprises
Settlement, reconciliation, reporting, and exception management at scale
Securing and scaling merchant technology platforms sustainably

Pushpendra Sharma

Co-founder

Ndia5

Mahesh Patel

Director

Hitachi Payment Services

Vikrant Kulkarni

Director

The Digital Fifth
Moderator

Demo

86400

Lovedeep Das

Product Manager - Digital Products

86400

Speaker Session

Deepening the Democratization of Payments: Enabling Trust, Everyday Digital Usage at Scale

Shifting digital payments from access-led adoption to confident, habitual usage embedded in everyday life.
Advancing the democratization of payments by enabling intuitive, predictable, and universally accessible small-value, high-frequency transactions.
Strengthening trust through secure, transparent, and reliable payment experiences at population scale.
Enabling small banks to deploy acquirer stacks, widening merchant acceptance and decentralizing the acquiring ecosystem.
Sustaining inclusive growth as digital payments mature into resilient, long-term national infrastructure.

Lalitha Nataraj

Chief Executive Officer

NPCI BHIM Services Limited

Panel Discussion

AI in Payments: Powering Decisions, Managing Risk, Ensuring Accountability

Deployment of AI across fraud detection, routing, and compliance functions
Managing risk and bias in high-volume, real-time transaction environments
Balancing automation with human oversight in regulated payment systems
Governance, validation, and lifecycle management of AI models
⁠Accountability, auditability, and regulatory readiness in AI-driven payments

Trideep Banerjee

Vice President - India

Winjit Technologies

Tejas Baldev

Sales Director - APAC

Cockroach Labs

Amit Kumar

CTO & Co-Founder

Easebuzz

Keshav Mishra

Co-Founder & CEO

8byte
Moderator

Speaker Session

Turn AI into Action

Move from reactive IT to autonomous, AI-driven operations
Reduce outages and accelerate incident resolution
Achieve 2–4× productivity improvements
Unlock tangible IT cost optimization
Leverage AI agents, automation, and real-time insights for smarter decisions
Reset the economics of enterprise IT with scalable AI adoption

Deepak Bhatia

Regional Sales Director

BMC Software

Panel Discussion

From India to the World: Scaling Indian Payment Platforms into the Middle East & Africa

Why Middle East and Africa are natural next markets for India-built payment platforms
What travels from India’s payments success—and what must be rebuilt locally
Navigating regulation, licensing, and bank partnerships across diverse markets
⁠Monetisation, pricing power, and unit economics outside India
Building local teams, trust, and long-term presence beyond the home market

Anuradha Ramachandran

Managing Partner

Prana Ventures

Akshay Grover

Founder, Amadi
MD - Africa, Ebury

Abhishek Arun

President - Platform Strategy & Business

M2P Fintech

Varun Malhotra

Partner

Quona Capital
Moderator

Key Note

An Investor’s guide to Technology Platform Diagnostic

Vikrant Kulkarni

Director

The Digital Fifth

Panel Discussion

Credit Cards Reloaded: Designing Trust, Experience & Stickiness

Avinash Godkhindi

MD & CEO

Zaggle

Deeksha Kaushal

VP, Head - Strategy & Business Transformation, India & South Asia

Visa

Aditya Harkauli

Chief Business Officer: Head of Digital Banking

Unity Small Finance Bank

Vikrant Kulkarni

Director

The Digital Fifth
Moderator

86400

Trialogue

Beyond Transaction Security: Building Systemic Trust in India’s Digital Payments

Fraud as an ecosystem-wide challenge, not a transaction-level failure
Role of national payment rails in embedding trust by design
⁠Shared accountability across banks, fintechs, platforms, and networks
Balancing speed, friction, and user experience in real-time payments
Strengthening prevention, dispute resolution, and trust recovery mechanisms

Vipin Surelia

Vice President and Head of Risk Services

Visa

Ketan Patel

Co Founder and CEO

Mswipe Technologies

Vikrant Kulkarni

Director

The Digital Fifth
Moderator

Trialogue

Corporate Banking - UPI moment of Digitization

Fraud as an ecosystem-wide challenge, not a transaction-level failure
Role of national payment rails in embedding trust by design
⁠Shared accountability across banks, fintechs, platforms, and networks
Balancing speed, friction, and user experience in real-time payments
Strengthening prevention, dispute resolution, and trust recovery mechanisms

Rahul Arora

Ex - Managing Director

Citibank N.A - Global Markets

Kashinath Hariharan

MD & CEO

Jio Payment Solutions Ltd

Vaibhav Tambe

Co-Founder & CEO

TransBnk
Moderator

Fireside Chat

Unlocking MSME Lending Growth: Intelligence, Inclusion and Responsible Finance

Paritosh Vatsal Tripathi

Founding Member

Signzy

Vikas Arora

President & Business Head

Shriram Finance Limited

Fintech & Digital Excellence Awards 2026

Masterclass

Driving Successful Bank-Fintech Collaborations Through Effective Governance Framework

End-to-end consent orchestration across journeys and data lifecycles
Standard consent artefacts for interoperability and reuse across platforms
Purpose-led consent design to reduce friction and consent fatigue
Consent lifecycle governance with revocation, auditability, and propagation
Transparent consent experiences to build trust through clear communication

Shashank Shekhar

Co-founder and Head of Consulting

The Digital Fifth

Key Note

DPDPA Readiness: Balancing act between Friction & Compliance Across Journeys and Ecosystems

End-to-end consent orchestration across journeys and data lifecycles
Standard consent artefacts for interoperability and reuse across platforms
Purpose-led consent design to reduce friction and consent fatigue
Consent lifecycle governance with revocation, auditability, and propagation
Transparent consent experiences to build trust through clear communication

Shashank Shekhar

Co-founder and Head of Consulting

The Digital Fifth

Panel Discussion

From Fragmented Controls to Integrated Risk & Compliance Tech Stacks for competitive advantage

Convergence of risk, compliance, cybersecurity, and data governance platforms
Integration of controls across business, IT, and third-party ecosystems
Reduction of manual compliance through workflow-driven automation
Real-time monitoring, dashboards, and regulatory reporting readiness
Alignment of tech architecture with regulatory scalability and future-proofing

Kunal Kathpal

Chief Risk Officer

Hinduja Leyland Finance

Dinesh Kamble

CISO & Head Infosec

RBL Bank

Prashant N Deshpande

CISO

Shriram Finance Limited

Shashank Shekhar

Co-founder and Head of Consulting

The Digital Fifth
Moderator

Panel Discussion

Risk, Reward, and AI: Building Smarter Systems for Sustainable Growth

How AI-driven insights can redefine risk assessment and portfolio quality.
Using data to balance expansion with resilience in emerging markets.
Turning compliance into a competitive advantage through analytics.
Enabling responsible innovation across lending, operations, and customer experience.
The future of financial institutions: intelligent, adaptive, and accountable.

Sasidhar Vavilala

EVP, Analytics, Microbanking Products

Suryoday Small Finance Bank Ltd

Rajat Bindlish

Chief Technology Officer

CERSAI India

Amit Mittal

Co-Founder

Surepass

Malcolm Dmello

Head - IT Data Engineering

Aditya Birla Capital NBFC

Shashank Shekhar

Co-founder and Head of Consulting

The Digital Fifth
Moderator

Trialogue

DPDPA in Action: Engineering Trust at Scale in Indian Financial Services

Translating DPDPA from regulation to Technology & Data Architecture
Defining clear ownership and accountability for DPDPA compliance
Operational challenges in aligning Data Fiduciary Responsibilities and supporting Data Principal Rights at scale
Moving Beyond Compliance: Using DPDPA to build trust and enable growth

Kiran Belsekar

Executive VP - CISO, DPO & IT Governance

Bandhan Life

Vikas Deshmukh

Chief Technology Officer

Suryoday Small Finance Bank

Amit Das

Founder & CEO

Think360
Moderator

Panel Discussion

Agentic AI in Credit: From Automation to Autonomy

Moving from process automation to autonomous decision-making systems in BFSI.
How AI copilots are reshaping underwriting, collections, and compliance.
Designing accountable and explainable AI frameworks for regulated industries.
The human–machine handshake: empowering employees with AI augmentation.

Nischal Tanna

Group CEO

TransformHub

Sanjay Shamnani

Chief Liabilities Officer

Kissht

Mathew Panat

Chief Technology Officer

HDB Financial Services

Sudheer Warrier

Executive Director

Sundaram Finance Limited

Srijan Nagar

Co-Founder

FinBox

Shobhita Agarwal

Chief Executive Officer

CraftAI
Moderator

Key Note

Agentic AI in Financial Services: The Next Evolution in Automation

Moving from process automation to autonomous decision-making systems in BFSI.
How AI copilots are reshaping underwriting, collections, and compliance.
Designing accountable and explainable AI frameworks for regulated industries.
The human–machine handshake: empowering employees with AI augmentation.

Shashank Shekhar

Co-founder and Head of Consulting

The Digital Fifth

Key Note

Engineering Digital Business at Scale: The CIO’s Balancing Act Across Growth

How CIOs enable new revenue streams through digital platforms
Moving from IT delivery to business value creation
Technology decisions that directly impact customer acquisition and growth
Lessons from scaling digital initiatives that actually moved the needle

Vishal Singh

Chief Information Officer & Head Digital Banking

Suryoday Small Finance Bank

Panel Discussion

Collections as a Competitive Advantage: Intelligent, Humane & AI-Powered

Building data-driven, trust-first frameworks where repayment feels safe and transparent.
Using AI copilots and predictive models to detect delinquency early and personalize outreach.
Humanizing automation through empathetic voice, tone, and journey design that protects brand equity.
Turning collections from a cost center into a strategic growth lever that lowers NPAs and raises customer loyalty.

Gokul Rajan

Chief Digital Officer

Hinduja Leyland Finance

Anand Bhatia

Chief Data Officer and Analytics

HDB Financial Services

Nimesh Gandhi

Director – Fintech & Telecom

TransUnion CIBIL

Lizzie Chapman

Co-founder & Chief Commercial Officer

baysys
Moderator

Report Launch

State of Digital Lending 2026

Rajat Deshpande

Co-founder & CEO

Finbox

Mayank Jain

Head - Marketing and Content

Finbox

Panel Discussion

Managing Model Risk, Bias & Regulatory Expectations in AI-Driven Lending

Rewriting model risk management for machine-learning–driven lending
Turning responsible AI from a compliance burden into a growth enabler
Designing bias-aware credit models that expand access without raising risk
Preparing institutions for tighter AI oversight and supervisory scrutiny
The next generation of accountable, adaptive, and regulator-ready AI systems

Majid Asadullah

Head of Products

Experian India

Shashwat Kumar

Head BIU & Analytics

DCB Bank

Sushant Guha Roy

Head of Sales

GLIB

Pankaj Rathi

Director Strategy, New Markets & AI Transformation

ACT21 Software

Shashank Shekhar

Co-founder and Head of Consulting

The Digital Fifth
Moderator

Trialogue

From Lending Systems to Lending Intelligence Platforms

Shift from process-driven systems to intelligence-led lending stacks
Real-time adaptability in underwriting, pricing, and servicing
Moving from static rules to dynamic, data-driven workflows
What “intelligent lending platforms” look like in practice

Johnson K Jose

Group President - Chief Technology Officer & Controller Fedserv

The Federal Bank Limited

Abhijeet Bhattacharjee

Chief Information Officer

Utkarsh Small Finance Bank

Ankit Ratan

CO- founder & CEO

Signzy
Moderator

Demo

Introducing FinBox Journey Studio: Launching scalable multi-channel journeys instantly

From commerce to credit - how ONDC and ULI converge to make lending contextual and inclusive.
Leveraging open APIs to embed lending at every stage of the digital value chain.
The next leap - interoperable risk and transaction data powering instant, responsible lending.
What this means for banks, NBFCs, fintechs, and MSME platforms.

Karshit Takhtani

Product Lead

FinBox

Aditya Shrivastava

Engineering Lead

FinBox

Key Note

India’s Financial Gateway: GIFT City’s Blueprint for Global Capital and Innovation

How regulatory evolution is enabling capital flows and fund structures of the future.
The rise of GIFT IFSC as a hub for asset management, insurance, and fintech.
Creating a unified, tech-led regulatory ecosystem for global competitiveness.
Aligning GIFT City’s growth with India’s global economic ambitions.

Ashutosh Sharma

Chief General Manager - Development

IFSCA

Panel Discussion

Trade Finance Unbound: Building the Digital Arteries of Global Commerce

Digitizing every node of trade - from purchase orders to settlement - to cut cost and friction.
Making trade credit accessible to SMEs and exporters through open networks and real-time risk scoring.
Using AI-based risk prediction and alternative data to fund global supply chains faster.
Embedded trade finance within ERP, logistics, and e-commerce platforms.

Agenda

2026

Masterclass

Understanding MSME Value Chain for Better Lending

Shashank Shekhar

Co-founder and Head of Consulting

The Digital Fifth

Lamplighting & Inauguration

Shri Neelkanth Mishra

Chairman

Unique Identification Authority of India (UIDAI)

Key Note

Aadhaar and the Future of Digital Identity – Strengthening the Rails of Financial Infrastructure

Shri Neelkanth Mishra

Chairman

Unique Identification Authority of India (UIDAI)

Key Note

Reimagining Digital Identity for Fintech: The Aadhaar App Advantage

Shri Vivek Chandra Verma

Deputy Director General

Unique Identification Authority of India (UIDAI)

Key Note

The Growth Playbook for Digital Payments: Partnerships, Platforms, and Possibilities

Sohini Rajola

Executive Director- Growth

NPCI

Key Note

The Future of Finance is Intelligent and Personal: Leading with Purpose, Data, and AI Design

Shanti Ekambaram

Ex - DMD

Kotak Mahindra bank

Key Note

From Global Playbooks to India-First Thinking: The Rise of Homegrown Consulting Firms

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth

Report Launch

Embedded Supply Chain Finance

Sriram Kanuri

Co-Founder & CEO

Arteria Technologies

Parag Jain

Co-Founder & CTO

Arteria Technologies

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth

Key Note

AI That Impacts Business: How Large NBFCs Are Using AI at Scale to Reduce Credit Risk, Improve Collections, and Drive Profitable Growth

Sudipta Roy

Managing Director & CEO

L&T Finance

Key Note

Optionality as a Leadership Strategy: Designing Physical, Phygital, and Digital Banks for Resilience, Scale, and Uncertainty

Baskar Babu Ramachandran

MD & CEO

Suryoday Small Finance Bank Limited

Panel Discussion

Embedded Supply Chain Finance: Powering India’s Growth Through Frictionless MSME Credit

Ajit Trimbakkar

Head – Treasury & Financial Services

Saint Gobain India Region

Annapoorna Venkataramanan

Chief Treasury, Capex Inv, Risk & Insurance

ArcelorMittal Nippon Steel India

Amit Goyal

Head - Supply Chain & Structured Trade Finance

ICICI Bank

Ravi Kumar

Chief Digital & Information Officer

Exide Industries Limited

Sriram Kanuri

CEO & Director

Arteria Technologies Moderator

Key Note

From Digitisation to Decision Infrastructure:The Growth Story of India’s Lending Tech Market

Sameer Singh Jaini

Founder & Chief Executive Officer

The Digital Fifth

Key Note

Arteria Technologies
Moderator

Capital Mutual Fund
Moderator

The Digital Fifth
Moderator