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Great reading material Anirudha

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This was great! Very insightful regarding the changing RBI norms for promoter stake in banking entities and the support for PoS devices from RBI (huge opportunity for PoS lending & insurance distribution too!)

On the interoperability, Singapore actually has an QR code standard though in India we've taken the private rather than public approach with BharatPe, PhonePe etc (odd since we have UPI & Aadhaar)

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