The Doers Nepal -Podcast

How Nepal’s Digital Payment Ecosystem Really Works |Behind Payments

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As part of Digital December 2025, in partnership with Laxmi Sunrise Bank Limited, this special roundtable explores how digital payments and software systems are reshaping businesses and the economy in Nepal.

This episode brings together three perspectives from Nepal’s digital payment ecosystem:

Santosh Tamrakar, Managing Director at IMS Software, sharing the system builder’s view on business software, data, and scalable growth.
Arun Khatri, CEO of Digital Network Solutions, covering digital infrastructure, security, compliance, QR innovation, and biometric identity.
Shashank Prabhat Shrestha, Managing Director of Caffeophilia, offering real-world insights from running a multi-outlet business where most transactions are digital.

Together, they discuss Nepal’s shift from near-zero digitization to a QR-first economy where digital payments are now essential especially for urban businesses.

In this episode, you’ll learn:

  • Why digital payments are non-negotiable for modern businesses

  • How QR, cards, and compliance systems work behind the scenes

  • The role of data, loyalty systems, and real-time reporting

  • Why sustainable payment systems can’t be free forever

  • What’s next: biometric KYC and data-backed, collateral-free digital lending

    • Whether you’re a business owner, policymaker, or someone who pays digitally every day, this conversation helps you understand how Nepal’s digital payment ecosystem works and where it’s headed next.

    Timestamps

    00:00 – Intro
    02:00 – Digital December

    03:20 – How Businesses Depend on Digital Payments Today

    05:20 – The Evolution of Digitization in Nepal

    06:28 – Covid and the Digital Payment Surge

    07:02 – Why QR Payments Replaced Cash in Urban Nepal

    07:50 – Real-Time Data and Business Control

    11:01 – Digitization vs Digital Transformation

    14:17 – Customer Loyalty Systems and Data Usage

    21:02 – Entrepreneurial Vision and First-Mover Advantage

    27:17 – How Digital Payments Reduce Fraud and Risk

    33:06 – Biometrics and Centralized KYC

    36:42 – QR vs Card Payments: How Nepal Pays Today

    46:26 – MDR Explained: The Cost of Digital Payments

    01:08:21 – The Future of Unsecured Digital Lending

    Want to join us live in the studio as an audience member?

    Fill out this form: https://forms.gle/xZi8yptyoxkkc6aa8 

     

    ✉ Reach out to us at [email protected]

     

    🎧 Listen on audio platforms: 

    https://www.podbean.com/eas/pb-32f7s-19cc50b

     

    🎤 Host: Anup Ghimire

    Founder of Doers Nepal 

    LinkedIn:  https://www.linkedin.com/in/anup-ghimire-9366aa5a/ 

     

    👥 Guest

     Arun Khatri

     CEO @ Digital Network Solution

     LinkedIn: https://www.linkedin.com/in/arun-khatri-42934657/

    👥 Guest

     Shashank Prabhat Shrestha

    Managing Director @ Caffeophilia

     LinkedIn: https://www.linkedin.com/in/shashank-prabhat-shrestha-551a8b1a/

    👥 Guest

    Santosh Tamrakar

    Managing Director @ IMS Software

     LinkedIn: https://www.linkedin.com/in/santosh-tamrakar-46837b45/


    In Partnership with Laxmi Sunrise Bank
    Facebook : https://www.facebook.com/laxmisunrisebank 

    Youtube : https://www.youtube.com/@laxmisunriseofficial

    Tiktok : https://www.tiktok.com/@laxmisunriseofficial 

    Linkedin : https://www.linkedin.com/company/laxmisunrisebank/posts/?feedView=all 

     

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    #doersnepal  #fintech  #startuppodcast  

     

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