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Business

The Pulse by 86400

By Gajanan

Go to stand
Share link
https://covver.com/magazine/digi/the-pulse-by-86400-2
Published
Oct 12, 2026
Pages
26
Language
English

In this magazine

26 pages · tap a page to read its text

  • CoverTHE 86400
  • July to September 2026From the Desk of Founders 66
  • July to September 202603 OUR PEOPLE New faces. New chapters
  • July to September 2026AUGUST EMPLOYEE NAME
  • July to September 2026SEPTEMBER EMPLOYEE NAME
  • July to September 2026Q&A Tell us about yourself and your journey at 86400 so far.
  • Page 8July to September 2026 harder problems. The Cards project is my current milestone, and it lets me apply years of experience in a new area. Both succeeded because Development, QA, PMO and support teams pulled in the same direction. How have you grown since joining?
  • July to September 2026PROJECT MANAGEMENT OFFICE PMO: where ambitious plans meet the reality of delivery Who we are Key wins
  • July to September 2026From roadmap to reality New business wins
  • Page 11July to September 2026 strengthening platform security and compliance readiness. ⚫ EFRM (Falcon and Clarify): Implemented for AU Bank and J&K Bank, strengthening fraud detection, risk management and transaction monitoring. Compliance and audits
  • July to September 2026Congratulations! A big moment for Sejal Bhodia, recognised at the BW Tech 40 Under 40 Awards 2026.
  • July to September 2026EMPLOYEE NAME Viraj Kamble
  • July to September 2026REWARDS & RECOGNITION | Q2 2026 ANNOUNCEMENT
  • July to September 2026PILLARS Technology Excellence
  • July to September 2026PILLARS Operations & Process
  • July to September 2026PILLARS Technology Excellence
  • July to September 2026We wanted to get to know our team a little better beyond their roles and responsibilities, so we kicked things off with a simple, fun poll. Nothing work-related, just a little glimpse into the people who make up our team. ili What do you enjoy doing most in your free time?
  • July to September 2026Listen: Slice's Leap: From Fintech Disruptor to India's Next Big Bank
  • July to September 202610 HR AT WORK Building a better culture: new initiatives from HR
  • July to September 202612 86400 AT GLOBAL FINTECH FEST 2026
  • July to September 2026The part nobody sees in the photographs! A launch may take a few minutes on stage. Getting it there takes considerably longer. The GFF showcase brought together teams across Product, Engineering, Sales, Marketing and Operations to prepare demos, coordinate launches, manage conversations and keep the booth moving throughout the event.
  • July to September 2026Evolve to Excel: 14 | FUN @ 86400
  • July to September 2026Independence Day: Our Mumbai & Kolhapur offices marked Independence Day with snacks and a round of trivia.
  • Page 2686400 POWERING POSSIBILITIES www.86400.in
Read this magazine as text24 sections · ~21 min read

Cover

THE 86400
  • THE
  • POWERING POSSIBILITIES
  • PULSE
  • THE QUARTER, UNPACKED
  • What happens before the booth opens?

The people and work behind 86400 at GFF 2026.

  • VOL 1.
  • Jul to Sep 2026
  • 38 Cr
  • UPI transactions.
  • What does that actually look like?

PLUS: The launches, milestones, new faces and moments that shaped the quarter.

Open page 1
Page 3

July to September 2026

From the Desk of Founders 66

From the Desk of Founders

As we move through this next phase of 86400's journey, what excites us most is the scale of opportunity ahead. We are building more, entering bigger conversations, and taking on greater responsibility as a technology partner to financial institutions. That also means the bar keeps moving. We need to move faster and continue raising the standard of quality and execution. What gives us confidence is the ownership and energy we continue to see across the organisation. There is a lot still to build, and that is exactly what makes this phase exciting."

  • - Amitabh & Satyajit
  • 02 | THE QUARTER, IN NUMBERS
  • Impact delivered
  • On-time delivery, up from 84.7%
  • Reduction in project cycle time
  • 38 crore
  • UPI transactions for J&K Bank
  • 8.9% points
  • Reduction in emergency releases
  • 46 days

Average delivery cycle, down from 75 day's

Reduction in average delivery slippage

C-Flows approved or signed off by NPCI, with zero rejections

  • 1.3% points
  • Reduction in on-hold work
  • 1.5 days

Average delivery slippage, down from 6.2 days

100+ hours/month

Operational time saved through automated transaction monitoring

Reduction in C-Flow approval turnaround

Open page 3
Page 4

July to September 2026

03 OUR PEOPLE New faces. New chapters
  • 03 OUR PEOPLE
  • New faces. New chapters
  • Prajval Uttam Patil Manav Mahadev
  • Jadhav
  • Trainee Associate-
  • Trainee - API Integration, PEM
  • Application Support, UAT
  • Javaid Ahmad Khan
  • Assistant Manager- Client Success
  • Hariom Singh Tech Lead
  • Pratik Pramod Chavan
  • Manager-Administration
  • Praveen Singh Software Engineer
  • Pearl Lawrence Johnson
  • Senior Product Manager
  • Manu Mohan Mohanan
  • Manager-Sales
  • Veda Gopal Desai Trainee-Infosec
  • Aditya Abhijit Shinde
  • Associate - Project Management
  • MARKING ANOTHER YEAR!

A special shoutout to colleagues completing work anniversaries.

  • JULY
  • EMPLOYEE NAME
  • Suresh Ramesh Nikam
  • Sylvia Abraham
  • Satish Gundhar Akiwate
  • Jitendra Gangaram Dafade
  • Prathmesh Laxman Indulkar
  • Viraj Rajesh Kamble
  • DEPT
  • FAA
  • HRD
  • APS
  • PEM
  • PEM
  • PMM
  • NO OF YEARS COMPLETION
Open page 4
Page 5

July to September 2026

AUGUST EMPLOYEE NAME
  • AUGUST
  • EMPLOYEE NAME
  • Sameer Taware
  • Tulshiram Patil
  • Ramizrazakhan Agakhan Pathan
  • Priyanka Anand Kadiyal
  • Nasheed Moinuddin Shaikh
  • Sangram Madhukar Mane
  • Rakshanda Suwas Kadam
  • Sumukh Ramulu Sanganbatla
  • Swapnil Premdipak Indurkar
  • Mukhi Rais Abbas
  • Suraj Mahadev Gaikwad
  • Samrudhi Milind Chobharkar
  • Swaroop Bhimrao Sakhare
  • Devendra Pandurang Kadam
  • Rahil Zakirhusen Mulani
  • Vishakha Ratnaparkhi Kathrani
  • Abhishek Balasaheb Sapkal
  • DEPT
  • PEM
  • PEM
  • PEM
  • PEM
  • PEM
  • PEM
  • PEM
  • PEM
  • PEM
  • PEM
  • PEM
  • APS
  • DevOps
  • APS
  • Client Success
  • Client Success
  • APS
  • NO OF YEARS COMPLETION
Open page 5
Page 6

July to September 2026

SEPTEMBER EMPLOYEE NAME
  • SEPTEMBER
  • EMPLOYEE NAME
  • Avinash Gupta
  • Junaid Javed Baig
  • Jayshri Ashiket Dharade
  • Sumedh Amitabh Kanekar
  • Sairaj Narayan Patil
  • Raman Yogishwar Sharma
  • Ganesh Ram Lad
  • Nikhil Nishikant Phatak
  • Aniket Shantaram Ransing
  • Khan Jamil Mohd Shafique
  • Pratiksha Santosh Pawar
  • Irfan Liyakat Shaikh
  • DEPT
  • PEM
  • PMM
  • PMO
  • BGM
  • PMM
  • PEM
  • ITS Client Success
  • APS
  • PEM
  • ITS PEM
  • MILESTONE ACHIEVED!

Sejal Bhodia, Assistant Vice President - Delivery, and Jayshri Dharade, Program Manager, completed their PMP certification this quarter.

  • Sejal Bhodia
  • NO OF YEARS COMPLETION
  • Jayshri Dharade
Open page 6
Page 7

July to September 2026

Q&A Tell us about yourself and your journey at 86400 so far.

Tell us about yourself and your journey at 86400 so far.

I joined Mobileware in 2016 as a Junior Java Developer. The team had around 6 to 7 people then, with only 2 to 3 Java developers. Being there so early meant working closely with seniors, picking up responsibilities well beyond my role, and watching the organisation grow around me. The trust I received in those years shaped my confidence and my sense of ownership.

Early projects on IMPS, Domestic Money Transfer and Core Banking taught me what reliability, security and accuracy demand in financial technology. From there I moved into technical leadership, and today, as a Technical Architect, I lead initiatives across

A Journey of Growth, Ownership & Leadership

From a Junior Java Developer in 2016 to leading technical initiatives across Lanka Pay, Cards and UPI today, Sameer Taware's journey reflects what long-term growth at 86400 can look like.

Lanka Pay, Cards and UPI. The team that once fit around a single table now has 60+ developers.

What does your role involve, and what do you enjoy most about it?

My days mix requirement discussions, technical analysis, solution design, implementation reviews and troubleshooting. along with plenty of coordination across teams. The research is my favourite part. I like going deep into a hard problem, weighing the options, choosing an approach and then watching it go live in production. Delivering ahead of the committed timeline is a bonus I take real satisfaction in.

How does your team contribute to the organisation?

Sameer Taware

We build the payment platforms that process transactions securely and reliably, and that can keep pace with growing business needs. Development builds the solution, QA tests it thoroughly, and PMO keeps planning and delivery on track. Because these teams work so closely, problems surface early and get resolved quickly.

What is one project you are especially proud of?

The SOR for YES BANK and IMPS development at Mobileware is the one that stays with me. It combined critical payment processing, complex integrations and demanding payment flows, and I owned a large share of the technical implementation.

Delivering it gave me the confidence to take on

Open page 7

Page 8

July to September 2026 harder problems. The Cards project is my current milestone, and it lets me apply years of experience in a new area. Both succeeded because Development, QA, PMO and support teams pulled in the same direction. How have you grown since joining?

July to September 2026 harder problems. The Cards project is my current milestone, and it lets me apply years of experience in a new area. Both succeeded because Development, QA, PMO and support teams pulled in the same direction.

How have you grown since joining?

My scope has widened from writing code to owning the full solution lifecycle: understanding the business requirement, researching approaches, designing, supporting development and testing, and weighing production impact. Working across IMPS, Domestic Money Transfer, Core Banking, Lanka Pay, Cards and UPI has broadened my domain knowledge and sharpened my decision-making. The biggest lesson is that growth follows ownership, especially in difficult situations. Critical payment systems have taught me to stay calm, research thoroughly and favour solutions that last.

What do you value most about working here?

The people and the trust. My seniors and colleagues backed me

whenever I took on new challenges, and I see the same spirit during tight deadlines, when every team rallies around finding the right solution. I try to add to that culture by motivating teammates and supporting them through technical or delivery hurdles.

What do you enjoy outside of work, and what's a fun fact about you?

Travel is my favourite way to reset. I love exploring new places, trying local food and taking spontaneous trips with family and friends. I also play cricket and stay involved in social work.

What advice would you give someone joining 86400 or starting out in a similar role?

Stay curious, take ownership and keep learning. 86400 has a friendly, supportive culture and gives people exposure to varied projects, technologies and challenges, so growth comes quickly. Research before making technical decisions, and aim for solutions that are reliable, scalable, maintainable and right for the business need. Support your team along the way, because teamwork, communication and ownership are what turn good solutions into successful deliveries.

In one sentence, how would you describe your journey so far?

A steady climb from Junior Java Developer to Technical Architect, shaped by continuous learning, growing responsibility, demanding payment projects and a team I have been lucky to grow alongside.

My journey has been a rewarding evolution from a Junior Java Developer to a Technical Architect, shaped by continuous learning, increasing responsibility and the opportunity to grow alongside the

Open page 8
Page 9

July to September 2026

PROJECT MANAGEMENT OFFICE PMO: where ambitious plans meet the reality of delivery Who we are Key wins

PROJECT MANAGEMENT OFFICE PMO: where ambitious plans meet the reality of delivery

Who we are Key wins

The PMO turns business goals into delivered outcomes. We orchestrate teams and run disciplined execution so every initiative lands on time and in step with organisational priorities.

This quarter's focus

Our priorities were the Microservices transformation, Agile adoption for Cards initiatives, Interoperable Banking (IB-MB), product stability and the UPI PSP App revamp.

Consolidated multiple bank-specific UPI acquiring solutions into one scalable One UPI Merchant Platform Went live with IDFC BBPS and PPI direct NPCI connectivity

Launched Credit Line on UPI and UPI on DMT

⚫ Delivered the AU Bank Migration and a critical TLS Security Upgrade on schedule

Implemented EFRM (Falcon & Clarify) for AU Bank and J&K Bank Deepened our engagement with the NPCI and NBBL (Bharat Connect) teams, bringing quicker turnaround and better success rates on certifications, C-Flows and key operational deliverables

Introduced PM Assist, our Al teammate for automated minutes of meeting

Business impact

Every delivery and compliance outcome passes through the PMO. We connect Business, Product, Engineering, Audit and Compliance into a single path forward, so a goal set in one function reaches production with every other function already aligned.

The challenge

Critical requirements often reach us with limited detail, and inter-product dependencies surface only once a ticket arrives. Rigorous planning and close work with the PEM and Development teams keep delivery on track.

Our culture

Ownership, accountability, attention to detail and a proactive mindset define the team. We anticipate issues early, give each other open feedback and step in quickly when a blocker appears. VOLVE

Message to colleagues

Thank you for the partnership behind every go-live this quarter. We will keep delivering on time, within scope and at the quality you expect, and we are always a message away when a dependency needs clearing.

"Be prepared for all, even the unknown unknowns!"

Open page 9
Page 10

July to September 2026

From roadmap to reality New business wins

From roadmap to reality

New business wins

⚫ Union Bank of India, BBPS COU: Our first win under the new identity. We will power their mobile and internet banking on one unified platform for three years, with an estimated 10 million transactions. The solution is hosted at our premises through our direct NPCI connectivity.

Fino Bank, BBPS: Secured both the COU and BOU deals.

Zikzuk: The newly formed, RBI-approved PPI issuer chose us to deploy and manage its complete UPI stack, including the core UPI switch, for three years.

Mobilepe PPI: Migrated from one of the industry's leading players. Over a five-year contract, we will deliver the UPI and IMPS stacks, with a projected 40 million transactions a year.

Suryoday Bank: Kicked off a new IB-MB project.

⚫ LankaPay: Engagement and delivery are in progress.

  • ZIKZUK
  • Union Bank of India lanka
  • ⭑Fino pay

MobilePe

Product launches and go-lives ⚫ Six launches at GFF: IB-MB, CardsXT, Credit on UPI for Repayment, the New PSP App, UPI Tap & Pay and UPI Help 2.0. The teams delivered through tight timelines and heavy cross-functional dependencies.

One UPI Merchant Platform: Multiple bank-specific UPI acquiring solutions now run on one standardised, reusable platform, live across 4+ banks.

Credit Line on UPI: Deployed for J&K Bank.

UPI on DMT: Launched, widening customer payment and money transfer options.

IDFC BBPS (BOU): Integration live, expanding bill payment capabilities.

Three PPIs on direct NPCI connectivity: Eroute, IMONEY and MUFIN went live in Q1 2026. We operate as an ASP with direct connectivity to NPCI NET.

UPI scale: Processed 38 crore UPI transactions for J&K Bank.

UPI microservices: Architecture work is underway to improve scalability, flexibility and modularity.

Delivery milestones

⚫ AU Bank Migration: Completed with minimal business disruption.

TLS Security Upgrade: Delivered,

Open page 10

Page 11

July to September 2026 strengthening platform security and compliance readiness. ⚫ EFRM (Falcon and Clarify): Implemented for AU Bank and J&K Bank, strengthening fraud detection, risk management and transaction monitoring. Compliance and audits

July to September 2026 strengthening platform security and compliance readiness. ⚫ EFRM (Falcon and Clarify): Implemented for AU Bank and J&K Bank, strengthening fraud detection, risk management and transaction monitoring.

Compliance and audits

. Achieved UPI Information Security (IS) compliance certification.

Completed the PCI DSS and PCI SSF audit for the Cards business.

Completed the NPCI ASP audit, with 1 medium and 3 low-severity findings.

⚫ Submitted the initial NPCI IS audit report to partner banks and NPCI on 30 May 2026. Closure of the final report is in progress, with 3 findings open.

Cross-functional collaboration

⚫ Cards team on UPI initiatives: Made better use of resources and sped up delivery.

⚫ Biller team on the Yes Bank SOR: Contained escalations and protected on-time delivery.

Virtual Accounts team on the MWT Wallet: Built in-house wallet capabilities in time for the product launch.

Client success

⚫ Inside Sales: A new vertical within Account Management now handles lead outreach and has already onboarded 3 leads (Nikhil: 1, Girish: 2).

Automation through BrowsEZ: Transaction summaries now go out to internal and external stakeholders weekly, monthly and quarterly. Monthly commercial approvals from BBPS clients are automated, which supports timely invoicing and cash flow. A new client-facing dashboard shows account health and business performance. Manual dependency has dropped by 100%.

KCCB critical cases: Melvin spent 15 days face-to-face with the client, which brought faster resolution and stronger trust.

Al and digital initiatives

⚫ Enterprise knowledge and email: BrowsEZ now connects to SharePoint and Outlook, so users can search, retrieve and summarise documents and emails in plain language.

⚫ Meeting automation: BrowsEZ joins meetings, captures key decisions and action items, and generates the MoM automatically.

Calendar management: Users can create and update Outlook and Teams events through natural-language instructions.

Weekly transaction monitoring: Summaries across all services and banks, with dashboard insights on volumes, BOU/COU and UPI switch metrics, save 100+ operational hours a month.

  • NPCI redt eta ga
  • NATIONAL PAYMENTS CORPORATION OF INDIA
  • PCI
  • DSS
  • COMPLIANT
Open page 11
Page 12

July to September 2026

Congratulations! A big moment for Sejal Bhodia, recognised at the BW Tech 40 Under 40 Awards 2026.

Congratulations!

A big moment for Sejal Bhodia, recognised at the BW Tech 40 Under 40 Awards 2026.

  • TECH
  • TECH
  • 40 UNDER 40
  • AWARDS 2026
  • Sejal Bhodia
  • BW Tech 40 Under 40
  • Awards 20261
  • CEO Mention Awards 2025-26
  • Arsh Shaikh Excellence Through
  • Rohan Agrawal Exemplary initiative
  • Diligence
  • Spotlight Recognition Q2, 2026-27
  • SPOTLIGHT APPRECIATION
  • EMPLOYEE NAME
  • Walking Extra Mile
  • Mohammed
  • Shoaib Shaikh
  • Success through Collaboration
  • Burhanuddin Ashfaq
  • Husen Kesury

WHY THEY SHINE

Went the extra mile for the GFF launch of "Tap and Pay" & "Help 2.0"

Resolved cross-team challenges keeping critical activities on track

RECOGNIZED BY PMM Team

CSM & ORT

Open page 12
Page 13

July to September 2026

EMPLOYEE NAME Viraj Kamble
  • EMPLOYEE NAME
  • Viraj Kamble
  • Aryan Yadav
  • Bryan Abraham
  • Ramiz Pathan
  • Supriya Tupgaonkar
  • SPOTLIGHT APPRECIATION
  • Walking Extra Mile
  • Consistent Self Initiative
  • Consistent Self Initiative
  • Walking Extra Mile
  • Success through Collaboration
  • WHY THEY SHINE

Unblocked issues on the spot via his NPCI network to ensure successful delivery

Major contribution in driving Reconciliation use cases and in setting up consistent Metabase responses via the BrowsEZ bot

Goes beyond expectations, delivering value to Al projects and taking full ownership for the Al team

Met tight deadlines despite challenges especially across framework, IBMB, and the GFF release

Showcased strong ownership and teamwork for the IMoney PEM Team Wallet project and her efforts supported the successful

  • GFF launch.
  • RECOGNIZED BY PEM Team
  • Al Team
  • Al Team
  • PEM Team.
Open page 13
Page 14

July to September 2026

REWARDS & RECOGNITION | Q2 2026 ANNOUNCEMENT

REWARDS & RECOGNITION |

Q2 2026 ANNOUNCEMENT

Q2 2026 marks the inaugural cycle of the 86400 R&R Program: and we are proud to share the results. 18 nominations were received across four recognition pillars. Each was evaluated against a structured Situation-Action-Result (SAR) rubric by the HR committee.

Every nomination that earned recognition had one thing in common - it told a story with numbers.

Situation: What specific problem or gap existed?

Action: What did the nominee do - specifically?

Result: What changed - in numbers, outcomes, or client impact?

We are delighted to recognize the colleagues who stood out this quarter.

  • PILLARS
  • Technology Excellence
  • QUARTERLY WINNERS
  • Prashant Singh PEM
  • Shoaib Shaikh
  • PEM

Mrudul Mhatre PEM

RECOGNITION FOR Managed 30+ AU Bank FRM integration scenarios in a 10-day window, ensuring smooth production rollout-earning appreciation from AU Bank team and the CEO of 86400.

Delivered UPI Help 2.0 and UPI Tap & Pay end-to-end across two concurrent GFF 2026 initiatives -covering analysis, implementation, NPCI certification, and live deployment for CASA, Credit Card, and Credit Line.

Independently initiated and delivered a fully documented UPI microservices POC using Docker, Jaeger, Grafana, OpenSearch, and Prometheus -creating a scalable observability foundation for future integrations.

Open page 14
Page 15

July to September 2026

PILLARS Technology Excellence
  • PILLARS
  • Technology Excellence
  • Operations & Process
  • QUARTERLY WINNERS
  • Jamil Khan Mohd
  • Shafique PEM
  • AMO
  • Sameer Taware
  • PEM
  • Priyanka Kadiyal PEM
  • Varshali Pawar ORT

Tanmay Watamble PMO

RECOGNITION FOR Delivered the CardsXT product along with CMS before the GFF 2026 deadline, meeting stringent timelines for a successful product launch.

Delivered Switch for prepaid cards and achieved PCI SSF certification before GFF -enabling the successful CardsXT product launch.

Delivered Yes Bank Vegapay Credit Line on UPI at GFF 2026, adapting in real time to frequent API changes from the bank - resulting in a successful production launch with client and NPCI appreciation.

Proactively identified a reconciliation logic gap for Kalupur Bank that would have caused 2,000+ incorrect transaction statuses and a potential financial exposure of 250 lakhs - escalated to Product & Tech and drove the fix to completion.

Led MVP1 closure, PCI DSS and PCI SSF certifications, and the PPI Enablement Platform launch coordinating across ITS, APS, PEM, PMM, InfoSec, Legal, and external auditors to deliver three high-stakes streams simultaneously.

Open page 15
Page 16

July to September 2026

PILLARS Operations & Process
  • PILLARS
  • Operations & Process
  • Initiative & Innovation
  • Business & Client Growth Success
  • QUARTERLY WINNERS
  • Akshay Patil
  • APS
  • Ravi Shuka
  • PMO
  • Bryan Abraham I PMM/AI Team

Aryan Yadav PEM

RECOGNITION FOR Resolved multiple client alerts and production incidents independently-including a bank escalation on 19 Sep -identified and fixed a broken account-block tool benefiting the entire team, consistently handling issues beyond shift hours.

Coordinated TPAP integrations, GFF UPI feature delivery (UPI Help 2.0, Tap & Pay), AU CBS migration, and 27 AU Bank tickets- acting as central delivery point across NPCI, bank teams, and internal stakeholders.

Solutioned and built the Reconciliation product from the ground up within the Al team when existing dev teams had no bandwidth -launching a new product vertical that generates 2 lakhs per month in revenue.

Co-built the Reconciliation product from scratch for partner PAs -a live product now generating 2 lakhs per month in revenue for 86400 and creating direct GTM value with new customers.

No winners in this pillar this quarter

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Page 17

July to September 2026

PILLARS Technology Excellence
  • PILLARS
  • Technology Excellence
  • Business & Client Growth Success
  • HONORABLE MENTION
  • HONORABLE MENTION
  • Syed Noman All
  • PEM
  • Rohit Mahajan APS
  • Priyanka Kadiyal
  • PEM
  • Burhanuddin

Kesury | ORT

RECOGNITION FOR Delivered CardsXT and UPI Apps within committed timelines, contributing to the successful GFF 2026 product launch.

Restored a critical production system within SLA through continuous monitoring and coordinated bank communication -preventing wider service disruption.

Successfully launched Vegapay Credit Line on GFF 2026 despite unclear and frequently changing bank APIs - delivering to production with client appreciation and NPCI recognition on record.

Transitioned into a Presales role, independently creating product presentations and contributing to RFP responses for SSPL, Bandhan Bank, and CBI -demonstrating strong initiative in expanding his scope beyond operations.

Open page 17
Page 18

July to September 2026

We wanted to get to know our team a little better beyond their roles and responsibilities, so we kicked things off with a simple, fun poll. Nothing work-related, just a little glimpse into the people who make up our team. ili What do you enjoy doing most in your free time?

We wanted to get to know our team a little better beyond their roles and responsibilities, so we kicked things off with a simple, fun poll. Nothing work-related, just a little glimpse into the people who make up our team.

ili What do you enjoy doing most in your free time?

  • • Anonymous vote
  • Reading
  • Fitness/wellness activities
  • Playing or listening to music
  • Cooking/baking
  • Arts/creative hobbies
  • Travelling/exploring food
  • Watching shows / series

CORNER

Worth your time: one article, one podcast, one book recommendation relevant to fintech, leadership, or personal growth that drives contribution

Read:

Designing Mobile Payment Experiences By Skip Allums

A useful read for anyone interested in how mobile payments are designed around trust, usability and the realities of financial transactions.

  • Available on: Amazon, Kindle
  • O'REILLY
  • Designing Mobile Payment Experiences

PRINCIPLES AND BEST PEACTICES FOR MOBILE COMMENCE

Skip Allums

Open page 18
Page 19

July to September 2026

Listen: Slice's Leap: From Fintech Disruptor to India's Next Big Bank

Listen:

Slice's Leap: From Fintech Disruptor to India's Next Big Bank

A conversation around building banking infrastructure in-house, first-time users, Credit via UPI and the role of Al at banking scale.

Explore:

Watch on the NPCI YouTube channel.

Payments Vision 2028: Shaping India's Payment Frontier

The RBI's framework for understanding where India's payments ecosystem is headed and the infrastructure that will support its next phase.

  • Read on the RBI Website.
  • da RESERVE
  • OF INDIA
  • BANK
Open page 19
Page 20

July to September 2026

10 HR AT WORK Building a better culture: new initiatives from HR

10 HR AT WORK

Building a better culture: new initiatives from HR

A smoother start for every new joiner:

A 30-60-90 day plan to settle in, orient, and build connections, backed by a Buddy Program that guides new hires through onboarding

90-days pulse check:

A platform for new joinees to have two-way conversation with HR to share their 90-days onboarding feedback

Quarterly Newsletter:

The Pulse, our quarterly newsletter, launched from Q2 FY 2026-27, keeps the whole team in the loop

Reformed review cycle:

Transition from Annual Reviews to Quarterly Performance Reviews (QPR) to encourage continuous feedback and to foster a more proactive and collaborative approach

A better first impression: Pre-onboarding automation that simplifies the journey for every candidate

  • VALUE
  • Integrity
  • Accountability
  • Building Relationships
  • Innovation
  • Delivering Quality
  • Customer Centricity
  • THE SMALL, POWERFUL WAY

Admitting a mistake early so the team can help fix it.

Sending a quick "On it" or "Done" to close the loop on a request.

Starting a meeting by asking a colleague about their weekend before diving into tasks.

Suggesting one small change to a recurring meeting to make it 10 minutes shorter.

Taking 2 extra minutes to proof read and format an internal document before sharing.

Asking yourself: "Would I be happy with this solution if I were the client?"

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Page 21

July to September 2026

12 86400 AT GLOBAL FINTECH FEST 2026

12 86400 AT GLOBAL FINTECH

FEST 2026

At Global Fintech Fest 2026, 86400 moved from the booth floor into some of the industry's biggest conversations around payments, banking partnerships and Al.

But the conversations were just as important as the launches!

The Future of Banking Partnership: Unlocking Growth Through Al &

Financial Ecosystems

POWERING POSSIBILITIES

Amitabh Kanekar with Hemant Verma, Punjab & Sind Bank

From Infrastructure to Adoption: Scaling Digital Payments in Sri Lanka

mes

Rohan Agrawal with Hithesh Fernando and Harsha de Silva, LankaPay

GLOBAL FINTECH

FEST

The Future of Digital Banking in the Era of UPI Dominance

POWERING POSSIBILITIES

Rajesh Ghosh with Ravinder Singh, SVC Co-operative Bank

And on stage, joined the conversation on: Engineering Enterprise Systems: Deploying Al in Financial Services

Carlin Crasto CTO 86400

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July to September 2026

The part nobody sees in the photographs! A launch may take a few minutes on stage. Getting it there takes considerably longer. The GFF showcase brought together teams across Product, Engineering, Sales, Marketing and Operations to prepare demos, coordinate launches, manage conversations and keep the booth moving throughout the event.

The part nobody sees in the photographs!

A launch may take a few minutes on stage. Getting it there takes considerably longer. The GFF showcase brought together teams across Product, Engineering, Sales, Marketing and Operations to prepare demos, coordinate launches, manage conversations and keep the booth moving throughout the event.

From the first setup to the final conversation, the booth became a working snapshot of 86400 itself: technology being demonstrated, questions being answered and new conversations beginning in real time.

At the booth

The new PSP App experience was showcased at the 86400 booth, while UPI Tap & Pay and UPI Help 2.0 were presented at the NPCI booth.

Credit on UPI Repayment was presented with NBBL. Banking Connect, was showcased with Suryoday and NBBL, & CardsXT as a Service was launched with iMoney.

#GFF

Special thanks to Sumedh Kanekar and Shivani Khandelwal for their contribution to the launches.

PAYMENT INFRASTRUCTURE BEHIND WHAT'S NEXT THE DIGITAL

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Evolve to Excel: 14 | FUN @ 86400

Evolve to Excel:

14 | FUN @ 86400

When the laptops close, the teams look a little different.

The annual offsite took place on 10 and 11 July at Paramount Riverfront Resort. The co-founders shared their vision for the organisation, followed by discussions around Al use cases.

EVOLVE EXCEL

The evening transitioned into an energetic DJ night, giving the team a chance create unforgettable memories together!

Day Two was all about clarity, connection and celebration! From insightful learnings in an empowering session on "Leading with Clarity and Intention" to an energetic team building activity, the day culminated in a spirited Rewards & Recognition celebration, ending on a high note!

EVOLVE

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Independence Day: Our Mumbai & Kolhapur offices marked Independence Day with snacks and a round of trivia.

Independence Day:

Our Mumbai & Kolhapur offices marked Independence Day with snacks and a round of trivia.

Ganesh Chaturthi:

On 17 September, teams came together in Indo-festive attire for Ganesh Chaturthi celebrations. The day included snacks and a clay art competition, with the winning team and runners-up recognised.

15 ON THE HORIZON

Wellness Session - Expert-led session on heart health.

Men's Day - A conversation around the people and culture that shape our work- place

Festive Season- Dussehra, Diwali and Christmas

The quarter had its share of launches, audits, new clients, new colleagues, milestones and conversations. The work continues. See you in the next issue!

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86400 POWERING POSSIBILITIES www.86400.in

POWERING POSSIBILITIES www.86400.in

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