We get to know about the future and innovation we see in Fintech with CTO of Aditya Birla Group Ramesh Narayanaswamy. Following are the pointers which are being discussed at core level. 1. A brief intro from you 2. Your experience with bits, pilani and Nanyang Technological University, singapore. Network help in career growth. 3. Your journey with TCS, how was tcs back in 1996 4. Your banking experience with IBM, City bank and Standard Chartered 5. Your Journey with ABC as CTO 6. What are the changes you have seen in the wealth management verticle in last 5 years and any new innovation or changes you feel will be happening in that arena. 7. There is a credit gap for sme inspite they are core revenue generation source for govt. How do you see the current credit infrasture of India. 8. A touch upon CBDC and OCEN (open credit enablement network). 9. Wealth management, finance, lending and insurance is matured by Due diligence and risk management. How complicated it is in India and factors for this. 10. Where you see wealth management and innovation in this post 3 to 5 years of time.