Ram Rastogi is a career  banker  with over three decades of hand – on experience in the areas of banking and emerging payments domain with expansive domain knowledge in Mobile, Digital Payments, E Commerce, M-Commerce and EBPP.

He is an emerging payments prodigy in India, having mentored mobile real-time payment systems like Immediate Payments Service (IMPS), Unified Payments Interface (UPI) and *99# National Unified USSD Platform (NUUP) since their inception.

Besides primary role in development of mobile based real-time payment systems at National Corporation of India (NPCI) – India’s nodal body for setting up retail payments systems, Mr Rastogi was part of the core team that designed and launched various payments systems like RuPay – India’s first domestic card scheme, Aadhaar Payments – the world’s largest biometric based payments system, and offline products such as NACH and Bharat Bill Payments System (BBPS).

He is a member of several Digital Financial Inclusion committees constituted by the Indian Central Bank – the Reserve Bank of India (RBI) and has been prolific key note speaker on real-time payment systems at various International & National Conferences/Forums/Round Tables on Payments, Financial Inclusion and Retail Banking.

He was deeply involved in shaping up the Government of India’s policy in the area of Financial Inclusion. To add to his list of achievements, he played a significant role to assist the committee on “Comprehensive Financial Services for Small Businesses and Low Income Households” to draft a vision document for financial deepening in India. He has also co-authored consultation paper of TRAI on the review of regulatory framework for the use of USSD for Mobile Financial Services.

He has been awarded as 50 Most Influential Digital Media Professional of India in the year 2015 by World Marketing Congress.

He has been awarded as 50 Most Influential Payment Professional for the year 2019 by World Payments Congress.