In this episode, recorded at Product Unconference 2025, Sandeep Jethwani sits down with Vijay Shekhar Sharma to unpack how founders stay relevant across multiple technology cycles.

Vijay explains how technology evolves in waves — from chips to PCs, operating systems to applications, mobile to cloud, data to AI and now agents. Every wave creates winners, and every winner eventually becomes the foundation for the next. Romanticising past success, he says, is the fastest way for companies to lose relevance.

The conversation traces Paytm’s repeated reinventions, from payments to devices and now towards AI-led workflows. Vijay shares why pivots are rarely sudden decisions, how founders shift the centre of gravity of organisations over time, and why not everyone moves together during change.

A key part of the discussion focuses on AI for small merchants. Building on the Soundbox that transformed digital payments, Vijay outlines a vision where AI becomes a thinking partner for kirana stores — helping them decide what sells, what doesn’t, when to stock up, when to push offers, and even when to advertise.

Not AI for demos or dashboards, but AI for everyday business judgement. The episode also touches on leadership inside public companies, ESOP wealth creation, governance, and the parts of the journey that continue to weigh on founders even after scale and success. This is a candid, first-principles conversation on relevance, reinvention, and betting on the next wave, straight from the stage at Product Unconference 2025.

#CreateWealthPodcast #Dezerv #PayTM #Product #Fintech

Follow Sandeep Jethwani on:

LinkedIn - https://www.linkedin.com/in/sandeepjethwani/

X - https://twitter.com/sandeepjethwani

Follow Dezerv on:

LinkedIn - https://in.linkedin.com/company/dezerv-in

Instagram - https://www.instagram.com/dezerv.in/

X - https://twitter.com/DezervHQ

Website: https://www.dezerv.in/?utm_source=YouTube&utm_medium=Video&utm_campaign=Tapan_Agarwal_CW_Podcast_Content

300,000+ wealth creators have reviewed their mutual fund portfolios and received an in-depth analysis of their investments. You can get started too - https://wealthcheckup.onelink.me/aenA/lxqjp1xq

Yoga Bar didn’t wait for India’s healthy snacking wave, it helped create it.

In this conversation, Suhasini Sampath (Co-founder, Yoga Bar) takes us inside the product decisions and supply-chain discipline that shaped one of India’s most interesting FMCG stories.

This is not the usual “D2C marketing playbook.”

Yoga Bar was built on product first principles- clean labels, FDA-grade formulations, whole-ingredient recipes and vendor systems designed to hold up at scale. At a time when Indian shelves were dominated by palm oil, refined sugar and opaque labels, they chose the harder path: global standards at Indian price points.

Suhasine’s notions on category leadership were something to write home about. She believes that a brand owning a meaningful share of a focused category can create far more long-term value than a larger brand operating in a cluttered, undifferentiated space.

If you care about health, consumer brands, or building anything the hard (right) way, this conversation is worth your time.

#CreateWealthPodcast #Dezerv #YogaBar #ConsumerBrands #HealthySnacking #FMCGIndia #StartupIndia

Follow Sandeep Jethwani on:

LinkedIn - https://www.linkedin.com/in/sandeepjethwani/

X - https://twitter.com/sandeepjethwani

Follow Dezerv on:

LinkedIn - https://in.linkedin.com/company/dezerv-in

Instagram - https://www.instagram.com/dezerv.in/

X - https://twitter.com/DezervHQ

Website: https://www.dezerv.in/?utm_source=YouTube&utm_medium=Video&utm_campaign=Tapan_Agarwal_CW_Podcast_Content

300,000+ wealth creators have reviewed their mutual fund portfolios and received an in-depth analysis of their investments. You can get started too - https://wealthcheckup.onelink.me/aenA/lxqjp1xq

Inside the mind of the man who managed more money than most countries’ GDPs.

And until now, he’s never spoken on a podcast.

For the first time, Dinesh Khara, former Chairman of the State Bank of India, joins Sandeep Jethwani for an unfiltered conversation about what it really takes to run a ₹50 lakh crore institution that touches 54 crore Indians.

From handwritten ledgers in the 1980s to one of the world’s largest digital banking ecosystems today, Mr. Khara led SBI through a transformation few institutions have ever achieved.

He tripled productivity, steered the bank through India’s largest merger, and built YONO — a digital-first platform that brought over 8 crore Indians online long before “fintech” became a buzzword.

Under his leadership, SBI’s annual profit crossed ₹60,000 crore, the highest ever for an Indian bank, and its four-year cumulative profit exceeded the previous six decades combined.

He led 230,000 employees, served 45 crore customers, and turned India’s oldest financial institution into a modern digital ecosystem, all while keeping it relevant to every generation since 1806.

In this rare conversation, he opens up about how decisions are made when a single “yes” can move billions, what it takes to modernise trust at scale, and why he believes India’s banking system is just getting started.

#CreateWealthPodcast #Dezerv #DineshKhara #SBI #StateBankOfIndia #SandeepJethwani

Follow Sandeep Jethwani on:

LinkedIn - /sandeepjethwani

X - /sandeepjethwani

Follow Dezerv on:

LinkedIn - /dezerv-in

Instagram - /dezerv.in

X - /dezervhq

👉 Over 300,000 wealth creators have reviewed their mutual fund portfolios with Dezerv. Get started: https://bit.ly/47U7zQc