The 20 changemakers who are impacting the fintech ecosystem and how

Nikhil serves as the head of developer ecosystem at India Stack, which is a set of APIs that allows the government, startups, and developers to leverage a unique digital infrastructure for various services.

He led the team who conceptualized, designed and developed the Bharat Interface for Money (BHIM) app, and he is also an active contributor to the new age Bharat, by enabling development on India Stack APIs in Aadhaar Authentication, eKYC, eSign, UPI and DigiLocker.

Vijay founded Paytm in 2010, which is India's first Mobile commerce and Payments unicorn. He augmented the growth of m-commerce industry in India, with Paytm holding about 80% of the market share among the mobile wallet users in India.

He evangelized the trader and customer transaction through Paytm app, acting as an enabler during demonetization process.

Nandan, who is the co-founder of Infosys, plays a pivotal role with Government's support in UIDAI initiative, and successfully led programs like Aadhar and India Stack. He is also the founder of Ekstep, a non-profit, societal platform to bring basic education, via smartphones and tablets, to millions of children, particularly those ill-served by Government schools.

Nandan is a digital advisor to Government of India, heading 13 person committee on digital payments to enable payment solutions through smartphones and PoS machines.

Amitabh heads the NITI Aayog to build knowledge system for the States and the Centre to convert 100% Government-Citizen transaction to the digital platform. He is Responsible for formulation and implementation of industrial policy and strategies which includes FDI and IPR.

He also acts as a key influencer for Startup India, Make in India, and Incredible India initiatives that positioned India as a leading hub in technology, manufacturing and innovation.

Adhil founded Bank Bazaar, one of the leading financial marketplaces, that gives consumers access to customized banking and other financial offerings. He has launched the world’s first multi-brand paperless platform for online approval on unsecured loans and credit cards.

Amit is a Fintech evangelist, thought leader and an advisor, who Co-founded “Let's Talk Payments” (LTP), and created a leading FinTech market network, called MEDICI. He built a high quality content and research platform for the expanding FinTech industry, making LTP as a fastest growing payments and digital commerce news destination, globally.

Kunal founded Freecharge, to simplify the mobile phone recharge process, which was later acquired by Snapdeal, making it one among top 5 tech acquisitions in India, during 2015. He serves as an advisor to Sequoia India, mentoring its large portfolio of startups spread across India and South Asia.

He was also appointed as the chairman of Mobile Internet body IAMAI, to expand and enhance the online and mobile value added service sectors.

Gaurav founded Capital Float, an online lending firm, that underwrites unsecured business loans to start-ups, manufacturers and e-commerce merchants helping them in business operations and scaling up. He launched a programme aiming to encourage and drive the women entrepreneurship initiatives across India.

Sanjay founded Zipdial, an innovative mobile marketing platform for small and medium businesses, which later got acquired by Twitter. He also founded Ezetap, a leading mobile smart payment solutions for cashless transactions, helping businesses to seamlessly integrate payment acceptance through cards.

He also played a prominent role on the Aadhaar/UIDAI project, and is an evangelist for Aadhaar and IndiaStack.

AP Hota heads NPCI, where he leads the design and implementation of Payment systems in India that plays vital role of central infrastructure for UID and mobile based financial inclusion transactions. He also played a vital role in Government's initiative to introduce innovative payment solutions like NEFT, IMPS and MICR.

He is a member in various committees of the Government and RBI, with involvement in policy and decision making processes on Payment Systems and Financial Inclusion.

Sony founded Chillr, an innovative multi-bank mobile banking app that lets users send and receive money through phone book. He also founded Mobme, an analytics tool to analyse customer sentiments and user opinions from unstructured text-based data, used for Value Added Services for Mobile phone users and Carrier Grade Solutions for Network Operators.

He launched Startup Village, India's first incubator that is funded jointly by the public and private sector, with an aim to launch 1,000 technology startups over the next ten years.

Sampad founded Instamojo, an innovative P2P commerce platform, where anyone can collect payments by sharing URL/link over SMS, email, blogs or even social networks. He also founded Wanamo, a marketing platform for hyperlocalSMBs, which was later acquired by DealsAndYou.

Harshvardhan founded Lendingkart, an innovative technology platform to evaluate borrowers’ credit worthiness, and to service the working capital needs of SMEs in India. He partnered with Wydr, a leading online wholesale marketplace, to help manufacturers, company owners, importers and wholesale distributors in reaching out to a colossal audience with simple, seamless purchasing and selling experience.

Avtar shaped the larger infra financing company, IDFC, to a highly tech oriented bank with an agenda to build a mass retail bank. He launched Intellect’s Global Transaction Banking (iGTB) solution suite at IDFC bank, that includes payments, cash management, corporate banking exchange (CBX) and liquidity sweeps.

He led the Global Delivery Centres of Expertise (GDCE) for Bank of America, and established Captives known as BA Continuum across India and led the expansion into Costa Rica, Mexico and the Philippines.

Sharad is the Co-founder and Governing Council member of iSPIRT, a non-profit industry think tank. He is also a product evangelist for more than 2 decades, and played a major role in the early NASSCOM product conclave.

Bipin founded MobiKwik, India's first consumer mobile wallet, and built MobiKwikLite app, aimed at users in poor connectivity regions. He also Initiated a partnership with GoDaddy to help comply with Indian payment regulations.

Manish launched the first mobile POS solution in India in 2012 (Mswipe) with a card reader which can be attached to any mobile phone’s audio input jack. He also launched the first EMV compliant mobile POS solution, Wisepad, which is a bluetooth-enabled and requires no physical connection to the phone.

Abhishek, founded “Eko India Financial Services” in 2007 with an aim to provide no-frills bank accounts for deposit, withdrawal and remittance services to unbanked population using mobile banking.

Later he partnered with the banks such as SBI, ICICI Bank and IndusInd to offer EKO service in a white-label and co-branded model that catered to 5 million customers spread across 80 cities, town and villages in 13 states. He also holds 8 patents in the area of secure transactions, to enable user friendly digital financial transactions.

Sucharita is the CEO at IFMR Holdings, where she introduced various innovative products in the micro-finance space to provide finance for every individual and every enterprise. She also created IFMR Capital’s own proprietary risk model to assess risk, to execute risk-based pricing approach for financing needs.

She led IFMR Rural Finance, a wholly owned subsidiary of IFMR Holdings, to develop the Kshetriya Gramin Financial Services model for remote rural markets.

Shashank founded Razor pay, the first India focused startup to be selected for Y-Combinator, to provide simple, affordable and secure payment gateway solution for small businesses, startups and other traditional SME organisations.

He reduced the time on payment cycle by 60% using “Flash Checkout” and introduced Razor Pay's Payments solutions for SaaS businesses to start accepting recurring payments from India and abroad.