Anand Raman has over two decades of rich professional experience across IT, Telecoms, Media and Financial Services. He has developed, designed, sold and deployed IT systems for Telecommunications Service providers in India as well as internationally. He was instrumental in the product design and commercial rollout of the first and largest online electronic recharge systems for Vodafone and Idea Cellular in India. He has launched mass-market products in Telecommunications and Banking involving thousands of agent locations through systems catering to millions of customers and transactions. He has worked diversely across cultures, large corporations as well as early stage start-ups. He is currently an independent consultant working in digital financial services and mobile payments as his principal domains.