Paytm began with a bold idea: make it easy for anyone with a phone to pay, from a city shop to a street stall with a printed QR code. As India’s digital payment infrastructure grew, Paytm continued to find new ways to serve customers and merchants through its products and services.

This keynote reflects on the choices, lessons, and ambitions that have shaped Paytm’s journey. For leaders building financial infrastructure around the world, his story offers a perspective on how private companies can create value alongside national payment rails, and how innovation can expand what those rails make possible.