Banks, across geographies, have been slow to catch up with technology. Customers who are exposed to new age, high quality services are often frustrated when left to deal with complex, irrelevant communication and poor consumer experience. Virender Bisht, who interacted closely with banks for payment solutions, was shocked to see the pace of technology adoption. He started looking for ways to disrupt the traditional approach.   Virender developed a fascination for computers and software during his mechanical engineering days. This continued as he worked at TCS on some transformational technology projects across large and small clients. Along the way, he discovered that he enjoyed working with smaller teams and transitioned to the startup world.   The idea to disrupt banking came when he led the technology vertical at Makemytrip. He was introduced to Vinay Bagri in 2015, when the duo set out to build disruptive financial products under the name Niyo.   Virender talks to us about their journey of building products ranging from employee benefit solutions to full-fledged banking services in an over-arching effort to simplify finance with technology. As always, don’t miss out on the gems of unfiltered advice at the end!