As a Digital Payments strategist focusing on removing friction in alignment with business strategy for generating value through an increase in digital footprints, revenues, cross-sell. Conversant with the latest digital technologies used in Lead Management, Real-Time Decision Making, Risk management, Predictive Analysis, and Regtech. Worked as a Short Term Consultant (STC) with CGAP - A World Bank Organisation for Digital Inclusion and also with various leading global research agencies as their Senior Council Member. Banking experience of three decades with State Bank of India (SBI) as a senior executive driving its Strategy, Business Development, ATMs, and Emerging Payment Systems. Worked with National Payments Corporation of India (NPCI), India\'s umbrella institution for setting up retail payments systems as Head of Product Development and mentored real-time payment systems in India like Immediate Payments Service (IMPS), Unified Payments Interface (UPI) and AEPS Part of NPCI core team that designed and launched various payments systems like RuPay- India\'s first domestic card scheme, Aadhaar based Biometric Payments - the world\'s largest biometric-based payments system, and offline products such as NACH and Bharat Bill Payments System.