In 2000, the founders of BillDesk, M.N. Srinivasu, Ajay Kaushal and Karthik Ganapathy, colleagues at Arthur Andersen and alumni of IIM-A, IIM-L and IIM-B respectively, recognised the opportunities that rapid changes in the banking and payments sector would create for entrepreneurial initiatives. And thus BillDesk came into being. Its business model and the technological superiority of the applications that the platform offers have made it a winner in less than a decade.