Mr. Swaminathan V is a seasoned technology leader with more than two decades of experience in driving innovation , Product Development and Business Transformation. Extensive experience in building Digital Payment Products for scale. Currently, he serves as the Incharge/Head of Technology at NPCI Bharat BillPay Ltd. His expertise spans across Banking & Financial services including B2C Payments, Retail Banking, Settlement & Reconciliation. Specialities in API first approach to product development, transforming Monolith system to MicroService, building scalable and secure- open source application.