UPI

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.

Vidit Aatrey explains how Meesho helps people in India start social stores by connecting resellers with suppliers and enabling sales through platforms such as WhatsApp. He describes how the company discovered its audience, pivoted from a hyperlocal fashion marketplace, and grew as more people came online and became comfortable transacting digitally. The talk covers Meesho’s focus on trust, reseller income, user feedback, and balancing fast growth with product quality. Aatrey also shares lessons on choosing a co-founder, staying close to users, and building for audiences whose problems founders may not share.