FINANCIAL-INCLUSION

Seventy percent of adults in our region don't have a bank account. We're not just a ride-hailing app — we're financial infrastructure for 700 million people.

The financial system was built for 20 percent of the population. We built Ant Group for the other 80 percent.

A chai wallah in rural India accepts PhonePe. A street vendor in Varanasi accepts PhonePe. That's not a tech story. That's a financial inclusion story. And it happened in five years.

The credit system in America is broken in a very specific way — it punishes people for being young, for being new to the country, for not having a history. Our AI fixes that.