Technology is undoubtedly a big driver of entrepreneurship and startups today. Smart models are today finding increased takers in the form of entrepreneurs, through technology. Now, finance in India has also been undergoing a rapid transformation as far as becoming accessible and utilizable by the vast majority is concerned. "AI is accelerating the velocity and ease of payments for consumers," states Varun Rathi who is Co-Founder and COO at Happay. He envisions disruptive technical aspects viz Artificial Intelligence (AI), and Machine Learning (ML) as driving major decisions in finance which traditionally were considered overly complex.