In the latest Beyond the Blue Badge, Michael Rawding hosts Rajiv Kaul, who was talking to us from Mumbai, India. Rajiv is currently the executive vice chair and CEO of CMS Infosystems, India's largest physical payments company and the world's largest ATM cash management company. Prior to joining CMS, He had a distinguished career at Microsoft India, including as its president from 2001 to 2005. His final stint at Microsoft was in Redmond, as senior director of the Emerging Markets Group. He talks about switching from a global tech company to a local financial industry company, how doing business in India has changed and where the best opportunities lie.