Stalled economic growth. Rising unemployment. Uncontrolled inflation. As India mounts a fiscal and healthcare response like never seen before, earning the tag of the world’s fastest-growing emerging market will take a mammoth effort in the light of the challenges that lie ahead.

To curtail the contraction in the economy, consumer spending in India will have to increase. The worrying factor is that India’s middle class which contributes to 70 percent of the consumer spending is shrinking. According to a Pew Research Centre report, India’s middle-class population shrunk by at least 32 million. [1]

This is the grim reality in the…


Pine Labs’ Plutus Smart Android PoS

Change is inevitable. With rapidly advancing technology, the leaders and laggards of tomorrow will be determined by how fast they adapt to the changing technology around them to deliver to the needs of today’s young and informed retail consumers.

There is no better example than BlackBerry. The smartphone that even had the then U.S. President Barack Obama hooked on it. A smartphone that was known for its robust enterprise security thanks to the Blackberry Enterprise Server (BES), pioneering push emails in real-time, and BlackBerry Messenger or BBM, a revolutionary instant messaging app that required no phone number to be shared…


And just like that, its day 90 at work! You’re inclined to get things done faster, be more responsive; The beauty of building a business from scratch is a clean slate. Constant re-examination and figuring out how its supposed to work, almost on a daily basis.

From getting to know your job, to you better know your job, no pressure.

How’s it been, if you ask? This is my account, a 10-point progress:

1. Nailing your north star — It could be anything really, getting your immediate team in order, nailing product market fit, having a team who can deliver…


‘Tap and Pay’ contactless card payment

True success is felt in Solving for Problems and that’s what we have always done at Pine Labs.

One just needs to look around for opportunities to find problems, solve them, and make a significant impact in the lives of the people around us.

That reminds me of the iconic TVC by Apple introducing the original Macintosh in 1984 which had this memorable line:

“On January 24th, Apple Computer will introduce Macintosh. And you’ll see why 1984 won’t be like 1984.”

Rest as we all know is history. The world of personal computing changed significantly after that.

On January 27th…


India, a land of a billion plus people is witnessing one of the fastest internet users’ growth in the world. By the end of 2021, India’s active internet user base is expected to reach 650 million which will be more than the entire population of G6 countries. Add to that, the fact that we are on course to becoming the third-largest consumer economy in the world by 2025 with consumption expenditure projected to reach $ 4 trillion. [1]

Online payment fraud, whilst acknowledged, needs laser sharp focus from e-commerce businesses. According to Juniper research, Online sellers will lose $130 billion…

Pine Labs

One of Asia’s leading merchant commerce platform offering a wide range of payment solutions and value-added services to merchants, #SMBs and large enterprises.

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