hes the product head of one of indias biggest ecommerce giants and leads the product strategy for snapdeal freecharge and shopo thats a lot on 38 year old anand chandrasekarans plate business insider sat down with anand at his office and got chatting about money i mean the digital kind why dont you integrate freecharge snapdeal and shopo for us the insight is around what the starting point is when im on freecharge im there to make a transaction there is no browsing intent whats with this payments with a social twist social pay the intuition was that payments can be social as opposed to shopping being social we wanted to add human emotion to payments if i payed a coffee shop i may want to say hey your latte is really nice if you look at the vision of the company like square there is human emotion involved you might want to add comments its little things like that imagine your newspaper boy you might want to ask him why he didnt deliver for three days over chat you think a coffee shop is willing to dedicate that extra time to anyone who buys coffee for a hundred bucks there is no one size fit all answer im curious to see what kinds of things can get done here there are educated people who dont see themselves as shopkeepers handling pos terminals its a simpler option to them they dont need to have a wallet account too its a little bit like saying youre launching it for all telcos which telcos will use it more we dont know but it supports all telcos chat n pay supports everyone whos willing to set up a merchant id maybe its less the chain coffee stores and more the small boutiques where people are willing to have a oneonone conversation were as curious as anyone to see what the first one lakh merchants look like umwhos your target user its a journey for us we have an intuition about who this could be its a natural outgrowth of how weve been growing over the last few years my sense is that itll stimulate some innovative solutions from a timing perspective people are thinking what more they can get done with the freecharge app chat n pay is a madeinindia product and takes into consideration little things that are specific to india in cases where vendors request an advance there is room for some negotiation its not really haggling but a small conversation and a lot of human emotion internally we say every family has a cto whos the youngest member of the family heshe gets the bills paid does all the online recharges and brings everyone online that cto will first adopt this people who are already on a smartphone and use whatsapp regularly will use it is there a problem scaling payments infrastructure because of the rbi restrictions the rbi has made some smart moves its all done with the right