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Marten Pieters , MD and CEO , Vodafone India Ltd addresses while Suresh Sethi , Business Head, M-Pesa Vodafone India Ltd; Rajiv Sabharwal, ED, ICICI Bank; Bjas Murthy , Operator Director –East Vodafone India Ltd and Abonty Banerjee, GM (Digital Channels) ICICI Bank looks on during the launch of M-Pesa –a unique mobile money transfer and payment service at Kolkata on Wednesday 17 April 2013.

Marten Pieters, MD and CEO, Vodafone India Ltd addresses the media during the launch of M-Pesa –a unique mobile money transfer and payment service at Kolkata on Wednesday 17 April 2013.

Marten Pieters, MD and CEO, Vodafone India Ltd addresses the media during the launch of M-Pesa –a unique mobile money transfer and payment service at Kolkata on Wednesday 17 April 2013.

Rajiv Sabharwal, ED, ICICI Bank addresses the media during the launch of M-Pesa –a unique mobile money transfer and payment service at Kolkata on Wednesday 17 April 2013.

Suresh Sethi, Business Head, M-Pesa Vodafone India Ltd during the launch of M-Pesa –a unique mobile money transfer and payment service at Kolkata on Wednesday 17 April 2013.

Rajiv Sabharwal, ED, ICICI Bank & Marten Pieters, MD and CEO, Vodafone India Ltd shakes hand during the launch of M-Pesa –a unique mobile money transfer and payment service at Kolkata on Wednesday 17 April 2013.

Suresh Sethi, Business Head, M-Pesa Vodafone India Ltd; Rajiv Sabharwal, ED, ICICI Bank; Marten Pieters, MD and CEO, Vodafone India Ltd & Abonty Banerjee, GM (Digital Channels) ICICI Bank gestures during the launch of M-Pesa –a unique mobile money transfer and payment service at Kolkata on Wednesday 17 April 2013.

Rajiv Sabharwal, ED, ICICI Bank & Marten Pieters, MD and CEO, Vodafone India Ltd interact during the launch of M-Pesa –a unique mobile money transfer and payment service at Kolkata on Wednesday 17 April 2013.

Rajiv Sabharwal, ED, ICICI Bank & Marten Pieters, MD and CEO, Vodafone India Ltd interact during the launch of M-Pesa –a unique mobile money transfer and payment service at Kolkata on Wednesday 17 April 2013.

Diane Offereins, EVP & President, Payment Services addresses at launch of co – branded credit cards during the HDFC Bank reignites Diners Club International in Mumbai on Tuesday, 25 September 2012.

Diane Offereins, EVP & President, Payment Services & Parag Rao, Senior Executive VP, Business Head, Credit Cards & Merchant Acquiring Services, HDFC Bank addresses at launch of co – branded credit cards during the HDFC Bank reignites Diners Club International in Mumbai on Tuesday, 25 September 2012.

Diane Offereins, EVP & President, Payment Services & Parag Rao, Senior Executive VP, Business Head, Credit Cards & Merchant Acquiring Services, HDFC Bank addresses at launch of co – branded credit cards during the HDFC Bank reignites Diners Club International in Mumbai on Tuesday, 25 September 2012.

Aditya Puri, MD, HDFC Bank Diane Offereins, EVP & President, Payment Services & Parag Rao, Senior Executive VP, Business Head, Credit Cards & Merchant Acquiring Services, HDFC Bank addresses at launch of co – branded credit cards during the HDFC Bank reignites Diners Club International in Mumbai on Tuesday, 25 September 2012.

Sanjeev Jain, CEO, GE Capital Business Process Management Services & Kadambi Narahari, CEO, SBI Cards & Payment Services Pvt. Ltd poses with Click2Card during its launch in New Delhi on Tuesday, 28 August 2012. Customer friendly online Credit card application service as another step towards fulfilling its promise of Make Life Simple.

K C Chakraborty, DY Governor, RBI gestures during the launch of Airtel money Super Account powered by Axis Bank in Mumbai on Wednesday, 16 May 2012. Bharti Airtel & Axis bank today announced a partnership for extending banking & payment services to India’s unbanked millions through the ubiquitous mobile platform.

Sanjay Kapoor, CEO-India & South Asia, Bharti Airtel & BalaKrishnan V, CFO, Infosys interacts during the launch of Airtel money Super Account powered by Axis Bank in Mumbai on Wednesday, 16 May 2012. Bharti Airtel & Axis bank today announced a partnership for extending banking & payment services to India’s unbanked millions through the ubiquitous mobile platform.

Shikha Sharma, MD, CEO, Axis Bank, K C Chakraborty, DY Governor, RBI & Sanjay Kapoor, CEO-India & South Asia, Bharti Airtel during the launch of Airtel money Super Account powered by Axis Bank in Mumbai on Wednesday, 16 May 2012. Bharti Airtel & Axis bank today announced a partnership for extending banking & payment services to India’s unbanked millions through the ubiquitous mobile platform.

BalaKrishnan V, CFO, Infosys, Sanjay Kapoor, CEO-India & South Asia, Bharti Airtel, Shikha Sharma, MD, CEO, Axis Bank, K C Chakraborty, DY Governor, RBI poses for the photographers during the launch of Airtel money Super Account powered by Axis Bank in Mumbai on Wednesday, 16 May 2012. Bharti Airtel & Axis bank today announced a partnership for extending banking & payment services to India’s unbanked millions through the ubiquitous mobile platform.

K C Chakraborty, DY Governor, RBI addressing during the launch of Airtel money Super Account powered by Axis Bank in Mumbai on Wednesday, 16 May 2012. Bharti Airtel & Axis bank today announced a partnership for extending banking & payment services to India’s unbanked millions through the ubiquitous mobile platform.

BalaKrishnan V, CFO, Infosys gestures during the launch of Airtel money Super Account powered by Axis Bank in Mumbai on Wednesday, 16 May 2012. Bharti Airtel & Axis bank today announced a partnership for extending banking & payment services to India’s unbanked millions through the ubiquitous mobile platform.

Shikha Sharma, MD, CEO, Axis Bank & Sanjay Kapoor, CEO-India & South Asia, Bharti Airtel interacts during the launch of Airtel money Super Account powered by Axis Bank in Mumbai on Wednesday, 16 May 2012. Bharti Airtel & Axis bank today announced a partnership for extending banking & payment services to India’s unbanked millions through the ubiquitous mobile platform.

K C Chakraborty, DY Governor, RBI gestures during the launch of Airtel money Super Account powered by Axis Bank in Mumbai on Wednesday, 16 May 2012. Bharti Airtel & Axis bank today announced a partnership for extending banking & payment services to India’s unbanked millions through the ubiquitous mobile platform.

Shikha Sharma, MD, CEO, Axis Bank gestures during the launch of Airtel money Super Account powered by Axis Bank in Mumbai on Wednesday, 16 May 2012. Bharti Airtel & Axis bank today announced a partnership for extending banking & payment services to India’s unbanked millions through the ubiquitous mobile platform.

Sanjay Kapoor, CEO-India & South Asia, Bharti Airtel gestures during the launch of Airtel money Super Account powered by Axis Bank in Mumbai on Wednesday, 16 May 2012. Bharti Airtel & Axis bank today announced a partnership for extending banking & payment services to India’s unbanked millions through the ubiquitous mobile platform.

Shikha Sharma, MD, CEO, Axis Bank, K C Chakraborty, DY Governor, RBI & Sanjay Kapoor, CEO-India & South Asia, Bharti Airtel during the launch of Airtel money Super Account powered by Axis Bank in Mumbai on Wednesday, 16 May 2012. Bharti Airtel & Axis bank today announced a partnership for extending banking & payment services to India’s unbanked millions through the ubiquitous mobile platform.

Sanjay Kapoor, CEO-India & South Asia, Bharti Airtel, Shikha Sharma, MD, CEO, Axis Bank, K C Chakraborty, DY Governor, RBI poses for the photographers during the launch of Airtel money Super Account powered by Axis Bank in Mumbai on Wednesday, 16 May 2012. Bharti Airtel & Axis bank today announced a partnership for extending banking & payment services to India’s unbanked millions through the ubiquitous mobile platform.

Shikha Sharma, MD, CEO, Axis Bank, K C Chakraborty, DY Governor, RBI & Sanjay Kapoor, CEO-India & South Asia, Bharti Airtel during the launch of Airtel money Super Account powered by Axis Bank in Mumbai on Wednesday, 16 May 2012. Bharti Airtel & Axis bank today announced a partnership for extending banking & payment services to India’s unbanked millions through the ubiquitous mobile platform.

Sanjay Kapoor, CEO-India & South Asia, Bharti Airtel gestures during the launch of Airtel money Super Account powered by Axis Bank in Mumbai on Wednesday, 16 May 2012. Bharti Airtel & Axis bank today announced a partnership for extending banking & payment services to India’s unbanked millions through the ubiquitous mobile platform.

Shikha Sharma, MD, CEO, Axis Bank & Sanjay Kapoor, CEO-India & South Asia, Bharti Airtel interacts during the launch of Airtel money Super Account powered by Axis Bank in Mumbai on Wednesday, 16 May 2012. Bharti Airtel & Axis bank today announced a partnership for extending banking & payment services to India’s unbanked millions through the ubiquitous mobile platform.

Justin McAuley, VP Business Development, Monitise & Rahul Bhagat, Country Head-Retail liabilities, Marketing & Direct Banking channels, HDFC Bank shakes hand during the press conference to announce the tieup between HDFC Bank & Movida in Mumbai on Wednesday, 22 February 2012. Movida, a mobile payments joint venture backed by VISA & Monitise with HDFC bank is introducing mobile payment service.

Justin McAuley, VP Business Development, Monitise & Rahul Bhagat, Country Head-Retail liabilities, Marketing & Direct Banking channels, HDFC Bank addressing during the press conference to announce the tieup between HDFC Bank & Movida in Mumbai on Wednesday, 22 February 2012. Movida, a mobile payments joint venture backed by VISA & Monitise with HDFC bank is introducing mobile payment service.

Rahul Bhagat, Country Head-Retail liabilities, Marketing & Direct Banking channels, HDFC Bank addressing during the press conference to announce the tieup between HDFC Bank & Movida in Mumbai on Wednesday, 22 February 2012. Movida, a mobile payments joint venture backed by VISA & Monitise with HDFC bank is introducing mobile payment service.

Justin McAuley, VP Business Development, Monitise & Rahul Bhagat, Country Head-Retail liabilities, Marketing & Direct Banking channels, HDFC Bank poses during the press conference to announce the tieup between HDFC Bank & Movida in Mumbai on Wednesday, 22 February 2012. Movida, a mobile payments joint venture backed by VISA & Monitise with HDFC bank is introducing mobile payment service.

Justin McAuley, VP Business Development, Monitise & Rahul Bhagat, Country Head-Retail liabilities, Marketing & Direct Banking channels, HDFC Bank poses during the press conference to announce the tieup between HDFC Bank & Movida in Mumbai on Wednesday, 22 February 2012. Movida, a mobile payments joint venture backed by VISA & Monitise with HDFC bank is introducing mobile payment service.

Duncan McIntyre, Chairmanr & Non-ED, Monitise, Uttam Nayak, Group Country Manager, India & South Asia, VISA, Justin McAuley, VP Business Development, Monitise & Rahul Bhagat, Country Head-Retail liabilities, Marketing & Direct Banking channels, HDFC Bank poses during the press conference to announce the tieup between HDFC Bank & Movida in Mumbai on Wednesday, 22 February 2012. Movida, a mobile payments joint venture backed by VISA & Monitise with HDFC bank is introducing mobile payment service.

Sandeep Bakshi, Deputy Managing Director of ICICI Bank during the announcement of ICICI Bank and First Data formed a merchant acquiring alliance named ICICI Merchant Services, which has acquired ICICI Bank’s merchant acquiring portfolio in Mumbai on Wednesday,06 January 2010. ICICI Merchant Services combines established merchant base with global acquiring expertise.

Sandeep Bakshi, Deputy Managing Director of ICICI Bank shakes hands with Vincent Roland, Senior Vice President (Europe, Middle East and Africa region) of First Data while B Amrish Rau, Vice President and Country Manager of First Data International looks on during the announcement of ICICI Bank and First Data formed a merchant acquiring alliance named ICICI Merchant Services, which has acquired ICICI Bank’s merchant acquiring portfolio in Mumbai on Wednesday,06 January 2010. ICICI Merchant Services combines established merchant base with global acquiring expertise.

Sandeep Bakshi, Deputy Managing Director of ICICI Bank shakes hands with Vincent Roland, Senior Vice President (Europe, Middle East and Africa region) of First Data during the announcement of ICICI Bank and First Data formed a merchant acquiring alliance named ICICI Merchant Services, which has acquired ICICI Bank’s merchant acquiring portfolio in Mumbai on Wednesday,06 January 2010. ICICI Merchant Services combines established merchant base with global acquiring expertise.