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Ram Rastogi
Digital Payments Strategist; Thought Leader in Financial Services, RegTech, Public Policy and Payment and Settlement systems.
Key note Speaker on Real Time Payment Systems Payments, Financial Inclusion and Retail Banking. Mentoring various fintech startups in India and USA.
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 and later as a Head of Product Development with National Payments Corporation of India (NPCI) since its inception.
Designed and rolled out globally acknowledged channel agnostic, ubiquitous, real time payment services - Immediate Payments Service (IMPS) and Unified Payments Interface (UPI) .Created ‘USSD Based Payment platform’, *99# .Part of NPCI core team that designed and launched various payments systems like ubiquitous Bharat QR Code ,NETC -FASTag Mobility Card and India’s own card scheme-RuPay, Aadhaar based Biometric Payment-AePS , and offline products such as NACH, CTS and Bharat Bill Payments System (BBPS).
Worked as a Short Term Consultant (STC) with CGAP- a World Bank Organisation for Digital Inclusion and as a Senior Advisor & Subject Matter Expert- Digital Payments with Deloitte. Engaged with various leading global research agencies as their Senior Council Member.
Member of several Digital Financial Inclusion Committees constituted by Indian Government and Reserve Bank of India (RBI). Played a significant role to assist the Committee on 'Comprehensive Financial Services for Small Businesses and Low Income Households' to draft a vision document for financial deepening in India. Co-authored Consultation paper of TRAI on the review of regulatory framework for the use of USSD for mobile financial services.