The future of FinServ is likely to be driven by the integration of technology and data, with an increased focus on personalization, efficiency, and convenience. 

The five areas focus Basic Banking, Investment, Financing, Wholesale should now be encapsulated in BAAS - offer opportunities for banks to transform and stay competitive in the ever-evolving financial landscape. However, it is important to note that the future of financial institutions is uncertain, and regulatory, technological, geopolitical, and other factors could greatly displace its development.

Banking as a Service (BaaS) refers to the provision of banking services and technology solutions to financial institutions, businesses, and other organizations. The aim of BaaS is to allow these entities to offer their customers a full range of financial services, such as payments, savings, loans, and investments, without having to invest. A platform that includes APIs and other tools that allow their clients to integrate functionality into their existing systems and processes. Reduced costs, increased speed and efficiency, and the ability to offer a more comprehensive range of financial services.


1:00 PM onwards
  • 1:00 PM – 2:00 PM

    Registration & Networking Lunch

  • 2:00 PM – 2:10 PM

    Opening Address

    By Shalil Gupta, Business Head, Mosaic Digital

  • 2:10 PM – 2:30 PM

    Keynote: Future of Banking and Financial Institutes

    The banking industry is facing a pivotal moment, with uncertainty surrounding future profit growth. Regulations and growing competition remain a concern, however, the biggest challenge comes from a global trend: disruptive new players from diverse industries that have adopted innovative cross-industry platform models, much like the success seen in companies such as Amazon, Google, Microsoft, PayPal, and Spotify. These new entrants bring with them a more efficient economic model, posing a significant threat to the traditional banking sector.

    The era of the universal bank model is coming to an end and investors are increasingly recognizing the value of specialization over the traditional one-size-fits-all approach. The future of banking lies in specialized platforms.

    By Padmaja Chunduru, MD & CEO, National Securities Depository Limited (NSDL)

  • 2:30 PM – 2:50 PM

    Fireside Chat: Tech Driven Products and Platforms

    Financial services in the current form haven’t evolved their products in a way that matches the tech-driven pace of change in other industries. Products such as checking accounts, loans, and even corporate advisory can seem undifferentiated.

    To compete, most banks will have to embrace cross-industrial platforms. These new platforms dismantle the barriers between traditional industries, reshaping customer behavior and turning formerly linear value chains into ecosystems that fulfill customer needs in new ways.

    Ashwin Moduga, Head Research, Mosaic Digital in conversation with Anubrata Biswas, MD & CEO, Airtel Payments Bank

  • 2:50 PM – 3:20 PM

    Panel Discussion: Data and Analytics at the core of transformation

    Tech advances have eliminated size as an advantage in providing excellent services, winning customer loyalty, aggregating and analyzing data, and building networks of capital.  Alternate investment banking paths such as special-purpose acquisition companies, payment platforms, and start-up capital platforms have emerged- offering high levels of personalization, zero friction, agility, interoperability and secure storage, among others. If we look at the stats, we will see that India’s digital banking platform market was worth $ 776.7 million in 2021 and is further expected to reach $1,485.5 million by 2028, growing at a CAGR of 9.8%. 

    Having said that, the financial sector handles voluminous amounts of data for a potent banking experience. Fast technological advancement and digitization are driving banks to invest massively in cloud environments to make banking processes simpler. One of the aspects of it is data analytics- to give them an edge against the competition, to predict emerging trends, and keep up with customers' expectations. Now the ask is- What are the arising patterns of data and analytics in future? How will they unleash the power of it together with cloud innovations?  

    Balaji Narayanamurthy
    , President & Head BIU, Axis Bank Limited
    Anil Kuril
    , CTO, Union Bank of India
    Abhijeet Bhattacharjee
    , CIO, Utkarsh Small Finance Bank

    Moderator: Jaspreet Singh, Partner, Grant Thornton Bharat 

  • 3:20 PM – 3:35 PM

    Networking over Tea/Coffee

  • 3:35 PM – 3:50 PM

    Keynote: Financial Inclusion: Achieving a higher bottom line

    As per World Bank’s Findex 2021, 22% of Indians lack an account in any financial institution, meaning they do not participate in any basic financial products or services. Additionally, India also has the highest share of inactive bank accounts globally at 35%. These figures have highlighted the need for organizations to commit to advancing financial inclusion and providing access to affordable and useful financial products and services to meet the needs of the underserved segment. To achieve this, the institutions should collaborate with governments and other stakeholders to enable an environment toward achieving a higher bottom line. This can involve advocating for policies, such as the establishment of credit bureaus, launching new lines of pro-poor products, and unlocking efficiencies in the distribution of financial services through capacity-building initiatives. 

    By Rajesh Bansal, CEO, RBI Innovation Hub

  • 3:50 PM – 4:10 PM

    Special Address

    By A Balakrishnan, Director, Google Cloud India

  • 4:10 PM – 4:30 PM

    Special Address: Creating a competitive Advantage

    From Everyday banking to create a banking experience that is not a burden or a necessary obligation, but instead is easy and even enjoyable Financial services now should encompasses a variety of e-commerce services, such as loyalty programs, discounts, advertising, and peer-to-peer marketplaces. A single access point for a wide range of consumer goods, electronics, home-cleaning services, movie tickets, and more, all connected to bank accounts or specialized solutions embedded into specific customer journeys.

    Integrating payments, cash flow financing, accounting, taxes, and more, allowing businesses to focus on their core activities by automating many of the basic operations.

    By Rishi Gupta, MD & CEO, Fino Payments Bank

  • 4:30 PM – 5:00 PM

    Panel Discussion: Soonicorns to disrupt unicorns

    As of September 2022, there were at least 274 fintech companies with a unicorn valuation of more than $1 billion, up from just 25 in 2017. Collectively, they have a market value of more than $1 trillion.

    Adopting cross-industry platforms that break down the barriers between traditional industries, altering customer behavior and transforming linear value chains into ecosystems that meet customer needs in innovative ways. This process has already reached a tipping point in industries like healthcare, media, music, and retail, where a diverse range of players are connected through platforms. The rise of cross-industry platformization means that FIs must now  compete with any organization that has the ability and desire to offer financial services.

    Vaibhav S J.
    , Co-Founder & CEO, Easy Pay
    Nalini Venkat, President, Digit Insurance
    Shrini Viswanath
    , Co-Founder, Upstox

    Moderator: Vivek Iyer, Partner, Grant Thorton

  • 5:00 PM – 5:20 PM

    Networking Break

  • 5:20 PM – 5:40 PM

    Fireside Chat: Revolutionizing Banking Services: The Rise of Branch as a Service (BaaS)

    Branch as a Service (BaaS) is an innovative and relatively new concept in the banking industry that allows financial institutions to offer their services to third-party companies through an API. This saves businesses from having to build a banking infrastructure and enables them to provide services such as account opening, payment processing, and loan processing to their customers, thus fitting into the broader concept of open banking. However, it also raises various pertinent questions: What are the potential risks associated with using BaaS? What are the regulatory requirements for financial institutions using a BaaS platform? 

    Ashwin Moduga, Head Research, Mosaic Digital in conversation with Vijay Vasudevan, Head of Business Solutions Group (BSG), Suryoday Bank, and Prateek Pashine, President-Enterprise Business, Reliance Jio

  • 5:40 PM – 6:00 PM

    Fireside Chat: Future of CX in Financial Services - The Next Frontier

    The customer experience (CX) is core to how banks thrive—and it pays off with interest. Financial institutions that excel in CX are ahead of their competitors in areas such as brand reputation, increase in new and existing customer segments, employee retention, and financial performance, ultimately driving business success.

    With today's digital explosion, what are firms doing differently to transform their digital experience that is both seamless and personalized for customers? How can they further enhance their engagement in this highly competitive, regulated, and complex industry? How do innovations such as AI and automation contribute to this role?

    Shalil Gupta, Business Head, Mosaic Digital in conversation with Prashanth Kancherla, VP-Products, Ozonetel Communications

  • 6:00 PM – 6:20 PM

    Special Address: Empowering Micro-Enterprises through Innovative Financial Service Technology

    Micro, Small and Medium Enterprises (MSMEs) are the backbone of India’s economy, contributing nearly 27 % of India's GDP in the financial year 2021 (Statista). Access to finance is a major challenge for MSMEs due to the lack of required CIBIL, collateral, and credit history, resulting in a significant portion of the sector being left unbanked. However, the rise of India’s robust financial service technology ecosystem has the potential to revolutionize the MSME financing landscape.

    The ask is- How can financial service technology contribute to the development of MSMEs, and what impact could this have on the overall growth of the Indian economy?

    By Shri Sivasubramanian Ramann, CMD, SIDBI

  • 6:20 PM – 6:50 PM

    Panel Discussion: Financial Services is an ecosystem playbook

    This could include options such as online payments, mobile payments, and point-of-sale systems, as well as other value-added services such as fraud protection, data analytics, and customer insights. In this arena, success will depend on the ability to create innovative solutions, streamline processes, and offer excellent customer experiences, while also navigating the complex regulatory landscape of financial services. Wide range of financial services for corporations and institutions.

    Neeraj Chauhan
    , CIO, PayU
    Manoj Paul, MD, Equinix India
    Murali Mohan Rao Manduva, CTO, DCB Bank
    Rajesh Choudhary, CIO, CSB Bank
    Praveena Rai, COO, NPCI
    Jyotsna Jayaram, Partner, Trilegal

    Moderator: Ramganesh Iyer, Partner, Bain & Company

  • 6:50 PM – Onwards

    Closing Remarks

  • 7:15 PM – Onwards

    Cocktails & Dinner

Speakers 2023


Padmaja Chunduru

MD & CEO, National Securities Depository Limited (NSDL)

Rajesh Bansal

CEO, Reserve Bank Innovation Hub (RBIH)

Anil Kuril

CTO, Union Bank of India

Rishi Gupta

MD & CEO, Fino Payments Bank

Anubrata Biswas

MD & CEO, Airtel Payments Bank

Vaibhav S J.

Co-Founder & CEO, Easy Pay

Abhijeet Bhattacharjee

Chief Information Officer, Utkarsh Small Finance Bank

Nalini Venkat

President, Digit Insurance

Murali Mohan Rao Manduva


Neeraj Chauhan

CIO, PayU India

Rajesh Choudhary

Chief Information Officer, CSB Bank Limited

Manoj Paul

MD, Equinix India

Ramganesh Iyer

Partner, Bain & Company (Moderator)

Vivek Iyer

Partner, Grant Thornton Bharat (Moderator)

Shrini Viswanath

Co-Founder, Upstox

Balaji Narayanamurthy

President & Head BIU, Axis Bank

Praveena Rai

COO, National Payments Corporation Of India (NPCI)

Jyotsna Jayaram

Partner, Trilegal

Jaspreet Singh

Partner, Grant Thornton Bharat (Moderator)

Vijay Vasudevan

Head of Business Solutions Group (BSG), Suryoday Bank

Prateek Pashine

President-Enterprise Business, Reliance Jio

Prashanth Kancherla

VP-Products, Ozonetel Communications

A Balakrishnan

Director, Google Cloud India

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