Harshil Mathur

Harshil Mathur traces Razorpay’s beginnings to the difficulty of accepting online payments in India and explains how conversations with customers led the company to focus on startups. He describes how regulation and patient execution created a barrier to entry, while clear communication during a banking crisis helped preserve customer trust. Razorpay’s early UPI adoption shows how a small company can use speed to enter new markets. He argues that AI will make building software easier and compress technical moats, so companies must move quickly, keep founders involved in product direction, and choose problems they can work on for years.