March, 2025
ditor's
e r s p e c t i v e
Redefining Progress Through Innovation and Impact
Technologyhasbecomemorethanjustasupportfunction;itis
nowanenablerofgrowth,efficiency,andaccessibility.In today’sworld,wheredigitalreadinessdetermines competitiveness,businessesareturningtointelligentITsolutionsthat notonlysolvecurrentchallengesbutalsopreparethemforwhatlies ahead.Thisshifthaspromptedorganizationsacrosssectorstorethink howtheyoperate,delivervalue,andconnectwiththeirstakeholders.
Inthiscontext,leadershipisdefinedbyaction,agility,andan unwaveringfocusoncreatingpracticalsolutionsthatgenerate measurableresults.Itisnotaboutreactingtochangebutabout anticipatingandpreparingforit.Theindividualsandorganizations featuredinthiseditionhavenotonlyembracedthismindsetbuthave alsodemonstratedhowclearvisionandconsistentexecutioncandrive meaningfuloutcomes.
Ourcurrentedition, Shaping India’s Digital Future: Leading IT Solutions in 2025,showcasesthoseatthehelmofIndia’sdigital transformation.Throughtheirbolddecisionsandtechnology-led strategies,theseleadershaveelevatedtheroleofITinpublicservices, financialsystems,andenterpriseoperations.Theircontributionsarenot justaboutimplementingnewtechnologiesbutareaboutredefining whatispossiblewhenexpertisemeetspurpose.
Onestandoutinthiseditionisatechnologycompanythathasredefined howfinancialinstitutionsapproachbankingandpayments.Witha comprehensivesuiteofcorebankingandERPsolutions,the
organizationhascreatedopportunitiesforinstitutionsacrossIndiaand Africatogrowinscaleandconfidence.Theirworkine-Governance hasalsomeasurablysupportedpublicsectorefficiency
Theirapproachtoproductdevelopmentandmarketoutreachreflectsa deepunderstandingofregionalandinstitutionalneeds.AI-powered platformsandsecuredigitalpaymentsystemshavebeentailoredto improveaccess,reliability,andperformance.Theleadershipteam's long-termcommitmenttofinancialinclusionandinnovationisevident ineverystepthecompanytakes,provingthatsustainedimpactcomes frombuildingforboththepresentandthefuture.
Thiseditioncapturestheirjourneyandmanyothersthatarequietlyyet powerfullyshapingIndia’sdigitalroadmap.
Have an insightful read with each turning page!
-Bill Limbert
C O N T E N T
Avinash Shende & Sachin Pande
The Vision of Pioneering Fintech Innovation
ARTICLES
Expanding Digital Landscape Cybersecurity in 2025: Safeguarding India’s Digital Economy
The Rise of IT From Code to Impact: The Role of IT Solutions in India’s Growth
Editor-in-Chief
CONTENT
Managing Editor: Bill Limbert
Assisting Editor : Joe Lee
DESIGN
Visualizer : Stewart Jonas
Art & Design Director : Robin Clarck
Sr. Graphic Designer : Authur Watson
SALES
Vice President : Jil Kendal
Asst. Vice President : Kevin Johnson
Asst. Manager : Robert Hanson
Sr. BDE : Priyanka Bardiya
TECHNICAL
Technical Head : Andrea Jackson
Technical Specialist: Mike Anderson
Technical Consultant : Oliver Sutton
SME-SMO
Research Analyst : Wendy J.
SEO Lead : Tasha L.
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March, 2025
EuphoriaInfotech (India)Ltd
https://www.euphoria infotech.com/
https://www.paramatrix. com/
https://pflinfotech.in/
EuphoriaisinthefieldofInformationTechnologyforthe last21years.TheyprovidesolutionsmostlyinBuiltOperate andTransfermode.
AtParamatrix,theyempowerbusinessesandindividualsworldwide. Theystrivetodeliversolutionsacrosssectorsandgeographiesand driveapositivechangeinthedigitallandscape.
PFLInfotechLimitedinitiallystarteditsbusinessinthefieldof poultryandsubsequentlydiversifiedintothefieldofsoftware.They arelistedonBombayStockExchange.
VGILisfosteringrapidinnovationanddrivinggrowth throughcutting-edgetechnology Theyarecommittedto providingreliable,tailoredtechnologyservicesthat empowerorganizationstothriveinafast-evolvingdigital landscape.
YudizSolutionsLtd https://www.yudiz.com/
Yudizisanidealdigitaltransformationandtechnology servicescompany.Ithasbeenawardedasthebestmobile appdevelopmentcompanyinGujaratbyGESIAin2015
The Vision of & Shende Pande
Pioneering F
With an emphasis on customer satisfaction and technical superiority, VGIL remains at the forefront of the digital revolution in the financial industry, adapting to market trends and evolving business needs.
Mr. Sachin Pande Managing Director & CTO
Mr. Avinash Shende Chairman & Executive Director
Thefinancialtechnologylandscapehasundergonea
remarkabletransformationoverthepastfew decades,drivenbyrapidadvancementsindigital solutions.Attheforefrontofthisevolutionaretwo visionaryleaders,Mr.AvinashShendeandMr.Sachin Pande,whohaveredefinedbanking,fintech,anddigital paymentsthroughtheirpioneeringworkatVirtualGalaxy InfotechLimited(VGIL).Theirjourney,markedby resilience,strategicforesight,andacommitmentto innovation,haspositionedVGILasaleaderincore banking,ERP,ande-Governancesolutions.
Withadeep-rootedpassionfortechnologyandamissionto fosterfinancialinclusion,Mr.ShendeandMr.Pandehave developedgroundbreakingsolutionsthatcatertotheunique needsoffinancialinstitutions.FromAI-drivenbanking platformstorobustdigitalpaymentsolutions,their contributionshaveempoweredbusinessesacrossIndiaand Africa.Theirleadershipphilosophy,centeredoncontinuous innovation,digitaltransformation,andcustomer-centric solutions,hasnotonlypropelledVGIL'sgrowthbutalsoset newbenchmarksinthefintechindustry.
Shaping India’s Digital Future: Leading IT Solutions in 2025
TheJourneyofVirtualGalaxyInfotech
FoundedonSeptember12,1997,VirtualGalaxyInfotech Limitedemergedasabeaconoftechnologicaladvancement intheITandfintechsectors.Withitsheadquartersin NagpurandoperationsextendingacrossMumbai,Delhi, Pune,Bangalore,andTanzania,VGILhasconsistently deliveredhigh-impactsolutionsthattransformbankingand financialservices.
Overtheyears,thecompanyhasbuiltareputationforits robustsoftwaresolutions,seamlessdigitalintegrations,and client-centricapproach.Byleveragingcutting-edge technologieslikeAI,blockchain,andcloudcomputing, VGILempowersfinancialinstitutionstoenhanceefficiency, security,andaccessibility.Thecompany'scommitmentto innovationanddigitalexcellencehasmadeitatrusted partnerforfinancialinstitutions,cooperatives,NBFCs,and governmentagencies.
Throughcontinuousresearchanddevelopment,VGILhas introducedscalablefintechproductsthatstreamline transactions,improveregulatorycompliance,anddrive financialinclusion.Withanemphasisoncustomer satisfactionandtechnicalsuperiority,VGILremainsatthe forefrontofthedigitalrevolutioninthefinancialindustry, adaptingtomarkettrendsandevolvingbusinessneeds.
VisionandLeadership
AtthehelmofVGILareMr.AvinashShende,Chairman& ExecutiveDirector,andMr.SachinPande,Managing Director&CTO.Theircombinedexpertiseincomputer engineering,IT,andbusinessstrategyhasdrivenVGIL's
expansionandproductinnovation.Theirvisionrevolves aroundharnessingtechnologytobridgefinancialgaps, ensuringdigitalinclusion,andoptimizingfinancial operationsforbusinessesofallsizes.
Withdecadesofexperienceinfintechandenterprise solutions,theyhavesteeredVGILtowardsremarkable growthbyfosteringacultureofresearch-driveninnovation. Undertheirleadership,VGILhasdevelopedarangeof sophisticatedfinancialproductsdesignedtoenhance transactionalsecurity,automateworkflows,andsimplify complexfinancialprocesses.Theirstrategicforesighthas enabledVGILtocollaboratewithglobalfinancialentities andexpanditsinfluenceacrossdiversemarkets.
Byprioritizingexcellence,scalability,andcustomer satisfaction,theyhavesuccessfullypositionedVGILasa pioneerindigitalfinance.Theirrelentlesspursuitof technologicaladvancementcontinuestoinspireaworkforce dedicatedtoredefiningthefutureofbankingandfinancial technology
EarlyCareerandEntrepreneurialDrive
Avinash Shende's Journey
Mr AvinashShende'sforayintotechnologybeganinthe early1990swhenherecognizedtheimmensepotentialof digitalbankingsolutions.ArmedwithaComputer EngineeringdegreeandanMBAinITfromNagpur University,heembarkedonamissiontodevelopcuttingedgebankingsolutions.In1997,alongwithco-founderMr. SachinPande,helaidthefoundationforVGIL,introducing AI-poweredbankingsolutionsthatrevolutionizedfinancial transactions.
Sachin Pande's Contributions
With decades of experience in fintech and enterprise solutions, Avinash and Sachin have steered VGIL towards remarkable growth by fostering a culture of research-driven innovation.
Mr.SachinPande'spassionfortechnologyandbusiness strategyplayedacrucialroleinshapingVGIL'sgrowth.His expertiseinfintechmarketingandenterprisesolutions enabledthecompanytoforgepartnershipswithover200 financialinstitutions.Hisstrategicapproachtotechnology adoptionandmarketexpansionhaspositionedVGILasa trailblazerinfintechinnovation.
CoreInnovationsandIndustryImpact
E-Banker: Revolutionizing Core Banking
OneofVGIL'sflagshipproducts,E-Banker,isanAIpoweredCoreBankingSolutionthatstreamlinesfinancial
operationsforbanksandNBFCs.Designedforscalability andefficiency,thissolutionhassignificantlyenhanced bankinginfrastructureacrossIndiaandAfrica,driving operationalexcellenceandcustomersatisfaction.
V-Pay: Transforming Digital Payments
VGIL'sV-Payplatformisarobustdigitalpaymentsolution designedtocatertotheevolvingneedsoffinancial institutions.Withitssecure,AI-drivenarchitecture,V-Pay hasfacilitatedseamlesstransactions,makingdigital bankingmoreaccessibleandefficient.
ERP and E-Governance Solutions
VGILhasalsopioneeredinnovativeERPande-Governance solutions,enablingbusinessesandgovernmententitiesto
streamlineoperations,enhancedatasecurity,anddrive efficiency.ThesesolutionsalignwithIndia'svisionfor DigitalIndia,fosteringeconomicgrowthanddigital empowerment.
AwardsandIndustryRecognition
ThecontributionsofMr.AvinashShendeandMr.Sachin Pandehavebeenwidelyrecognizedinthefintechindustry. Theiraccoladesinclude:
· AsiaLeadershipAwardforFinancialServices TechofTheYear
· InspiringLeadersAwardforOutstanding AchievementinFinancialTechnology Advancement
· GlobalExcellenceForumIndianIcon'sAward forBestInnovationinCoreBankingSolutions
· BestCEOoftheYearawardforMr.Sachin Pande
· BestinClassRegTechSolutionAwardfor VGIL'sinnovativeregulatorytechnology
GlobalExpansionandMarketReach
Presence in India and Beyond
WithastrongfoundationinIndia,VGILhasexpandedits reachtointernationalmarkets,particularlyinAfrica.The company'sstrategicpartnershipswithfinancialinstitutions
acrosstheseregionshavestrengtheneditspositionasa globalfintechleader.
Strategic Alliances and Collaborations
VGIL'ssuccesscanbeattributedtoitsfocusonstrategic collaborations.Bypartneringwithbanks,microfinance institutions,andgovernmentagencies,thecompanyhas beenabletooffertailoreddigitalsolutionsthatdrive financialinclusionandoperationalefficiency.
With decades of experience in fintech and enterprise solutions, Avinash and Sachin have steered VGIL towards remarkable growth by fostering a culture of research-driven innovation.
TheRoadAhead:FutureVision
Transition to a Public Limited Company
AsVGILmovestowardbecomingapubliclimited company,Mr.ShendeandMr.Panderemaincommittedto expandingthecompany'sglobalfootprint.Theirfocuson SaaS-basedinnovationandcloud-drivenfintechsolutions willfurtherenhanceVGIL'smarketposition.
Embracing Emerging Technologies
ThefutureoffintechliesinAI,blockchain,and cybersecurity.Undertheirleadership,VGILispoisedto integratethesetechnologiesintoitsofferings,ensuring enhancedsecurity,efficiency,anduserexperience.
Commitment to Digital Inclusion
Bothleadersemphasizetheimportanceofdigitalinclusion, ensuringthatVGIL'ssolutionscatertounderserved markets.Bybridgingfinancialgaps,theyaimtodrive economicgrowthandempowerbusinessesglobally
LeadershipPhilosophyandOrganizationalCulture
Fostering Innovation and Agility
Mr.ShendeandMr.Pandebelievethatagilityand adaptabilityarekeytosuccessinthefintechindustry They promoteacultureofcontinuouslearning,cross-functional collaboration,andproactiveproblem-solving.
By leveraging cuttingedge technologies like AI, blockchain, and cloud computing, VGIL empowers financial institutions to enhance efficiency, security, and accessibility.
Empowering Teams and Individuals
Theirleadershipstylefocusesonempoweringindividuals withintheorganization.Byfosteringacultureofcuriosity andexperimentation,theyencourageemployeestothink beyondtraditionalboundaries,resultingininnovative solutionsthataddressreal-worldchallenges.
Work-LifeBalanceandPersonalInsights
Balancingthedemandsofarapidlyevolvingfintech industrywithpersonalwell-beingisapriorityforboth leaders.Theyadvocateforstructuredtimemanagement, effectivedelegation,andmaintainingaclearboundary betweenprofessionalandpersonallifetoensuresustained productivityandinnovation.
ThejourneyofMr.AvinashShendeandMr.SachinPande isatestamenttothetransformativepoweroftechnology andstrategicleadership.ThroughVirtualGalaxyInfotech Limited,theyhavenotonlyrevolutionizedthebankingand fintechindustriesbuthavealsopavedthewayforfuture innovationsindigitalfinance.
AsVGILcontinuestoexpandandembraceemerging technologies,theirunwaveringcommitmenttoinnovation, financialinclusion,anddigitaltransformationwillremain thedrivingforcebehinditssuccess.Theirstoryservesasan inspirationforaspiringentrepreneursandbusinessleaders lookingtomakealastingimpactintheworldoftechnology andfinance.
Cybersecurity in 2025: Safeguarding India’s Digital Economy
ThedigitaleconomyofIndiaisgrowingrapidly,and millionsofcitizensaswellascommercial enterprises,areincreasinglyrelyingontheinternet forcarryingouttransactionsdaybyday Therisinguseof digitalpayments,cloud,andartificialintelligencehas furtherraisedthestakesincybersecurity Asthenatureof sophisticationincyber-attacksdeepens,havingasecure cyberspaceenvironmentismorevitalthanevertothwart databreaches,financialassets,andevencountry-level security.
RisingCyberThreatsinIndia
Increasingnumbersofpeoplearegoingdigital,and therefore,cyberattackshavegrownmanytimesover Phishing,ransomware,anddatabreachestodayarerampant threatsthatinfuseindividuals,organizations,and governmentdepartments.Cyberattackersaretaking advantageofsoftware,network,anduservulnerabilities, andthisiscausingunprecedentedmonetaryand reputationaldamage.Thewidespreadadoptionof5G andIoTdevicesalsoaddstotheattacksurface,so cybersecuritydefensesneedtobestrengthened.
GovernmentInitiativesandPolicies
TheIndiangovernmenthasmadenumerouseffortstoward enhancingthequalityofcybersecurity TheNationalCyber SecurityPolicyandthePersonalDataProtectionBillare measurestowardsprotectingsensitivedata.Agencieslike theIndianComputerEmergencyResponseTeam(CERT-In) monitoranddetercyber-attacksroundtheclock.Aboveall this,tightcompliancemeasuresforcompaniesforcefirms toinvestsomuchincybersecurityproceduresasameasure ofguaranteeinguserdata.
StrengtheningCyberDefenses
Organizationsandindividualsneedtotakeproactivesteps toimprovecybersecurity.Someofthenecessarysteps include:
Expanding Digital Landscape
• RegularSoftwareUpdates:Keepingsystemsand softwareuptodateblocksexploitation.
• Multi-FactorAuthentication(MFA):Implementing additionallayersofsecurityblocksunauthorized access.
• CybersecurityAwareness:Educatingusersandstaff onhowtorecognizephishingandmaliciouslinks.
• DataEncryption:Securingsensitivedatafrom unauthorizedaccess.
• RobustFirewallsandAntivirusProtection:Blocking malwareandattemptedunauthorizedaccess.
• TheRoleofAIandAutomationinCybersecurity
Artificialintelligenceisemergingasthecenterofattention whenitcomestodetectingandrespondingtocyber-attacks. SecuritysoftwarethatisbasedonAImonitorspatterns, identifiesanomalies,andactsonthreatssoonerthan humans.Automationassistscompaniesinprotectingthe networkbetterwithminimalhumaninterferenceand responsetimeagainstthreats.
SecuringtheFuture
SinceIndiaismovingforwardtoitscyberage,cyber securitycanneverbeanythinglessthanatopconcern.The government,corporateorganizations,andpeopleshould joinhandsincreatingasafecyberage.Cybersecurity shouldbemadetighter,themostsophisticatedsecurity systemsupgraded,andmassiveinvestmentinstate-of-theartsecuritysoftware.ThiswillprotectIndia'sburgeoning digitaleconomy
ActToday
Cybersecurityiseveryone'sresponsibility.Whetheryouare aperson,anentrepreneur,orapolicymaker,youcanmake thecyberworldsecurebydoingtherightthing.Becareful, followsecuritybestpractices,andhelpsecuredigitalIndia. March | 17
From Code to Impact: The Role of IT Solutions in India’s Growth
ThetechnologysectornowvaluesIndiaasaleading
participantbecauseitsITsolutionsbenefitmultiple industriesworldwide.Digitalexpansioninthe countryenablesbusinessopportunitiesandstrengthens governancetogetherwithdeliveringimprovedservices. Societyandeconomicgrowthheavilyrelyonsoftware systemsanddigitaltoolsthus,makingITsolutionsessential tounderstandingfuturedevelopment.
Explore the impact of IT solutions on Indian development, with their effects on various national industries in this article.
StrengtheningBusinessEfficiency
Theoperationofbusinesseshasundergonecomplete transformationbecauseofITsolutionsthatdeliver enhancedoperationalefficiencytogetherwithcostreduction andsuperiordecision-makingabilities.Thecombinationof automatedoperationsandcloudservicesandartificial intelligencesystemsenhancesbusinessproductivity Companiesleveragebigdatatoachievebetterprocess optimizationwhileunderstandinghowcustomersbehave.
Theriseofdigitalpaymentoptionsletseverybusiness, includingsmallestablishments,embracecashless commercetoattractnewcustomersbeyondtheirtraditional reach.Remoteworkingcapabilitiesmadepossibleby digitaltechnologyhasproducedadditionalsavingsalong withimprovedoperationalflexibility
BoostingE-GovernanceandPublicServices
TheimplementationofITsolutionsthroughoutgovernance systemsbringsimproveddeliverytopublicservices.The useofonlineportalsandmobileapplicationsanddigital recordsystemshasproducedbettertransparencythrough decreasedpaperdocuments.Thegovernmentlaunched initiativestosupportcitizensinaccessingbankingservices alongwithhealthcareandeducationalofferingswithout encounteringtime-relatedbarriers.
Securityoperationsinlawenforcementaremaintained throughdata-drivenpolicingtechniquesanddigital observationsystemswhichresultfromIT-basedsolutions. Biometricauthenticationandelectronicidentificationhave facilitatedbetterservicedeliveryandsimultaneously decreasedidentitytheftaswellasfraudincidents.
EnhancingEducationThroughTechnology
TheeducationalsystemofIndiareceivedmajor improvementsbecauseofinformationtechnologysolutions. Highereducationaccessibilityemergedbecauseofnew onlinelearningsystemsconnectedtovirtualclassrooms togetherwithdigitalbookresources.Throughdigital educationalresources,educatorscanextendtheirpremium qualityeducationservicestophysicallydistantstudents. Studentsbenefitfromeducationaltoolsthatemergedfrom moderntechnologybecauseteachersgainimproved instructionmethodsandbetterstudentinteractionskills.
Applicationsfordigitaladmissionhaveautomated proceduresbecausetheyeliminatehumanerrorand decreaseadministrativehurdles.Onlinecourseworkand certificationacquisitionallowworkingprofessionalsto boosttheircompetencies,thusmakingthemreadyforany workplaceneeds.
TransformingHealthcareServices
ITsolutionsacrossdifferentbranchesworksimultaneously toenhancehealthcareservicedelivery.Patientschoose remotedoctorvisitsthroughtelemedicinebecausethis technologyhelpsdecreasehospitalresponsibilitylevels. Patientmedicalfilesavailabledigitallydrivebothbetter medicaltreatmentselectionsandexacthealthcare diagnoses.
Medicalstaffcombinesartificialintelligencesolutionswith dataanalytictoolstofindillnessesattheirinitialstages, followedbyrecommendedsuccessfultreatmentplans. Mobilehealthapplicationsletuserstracktheirhealth activitieswhilecaringforchronicdiseasesandgaintimely medicalknowledge.Theimplementedsolutionshave deliveredefficienthealthcareservicesthatblendaffordable healthcarecostswithwideraccessibilitypossibilities.
StrengtheningFinancialInclusion
Digitaladoptionwithinthefinancialindustryaccelerated tremendouslythusincreasingthenumberofpeoplejoining thebankingsector.Mobilepaymentsystemsandfinancial managementapplicationsunderonlinebankingexpanded bankserviceaccessibilitytomorepeople.Peopleinrural communitiesfinallyhaveaccesstodigitalfinancial solutionssincetraditionalbankingservicesremainedoutof theirreach.
DigitalplatformsusingITinfintechservicesenableusersto accesspresent-daydigitalloanserviceswhilediminishing theirdependencyonconventionalbankingestablishments. Thereal-timetransactionprocessingandfrauddetection systemsthatdigitalfinanceprovidesgeneratemaximum securityandtrustworthinessforplatformusers.
DrivingInnovationinAgriculture
GivenitsstatusasavitaleconomicsegmentinIndia,IT solutionscreatemodernapproachestoenhanceagricultural outputlevels.Agriculturalproducersbenefitfromdigital interfacesthatdisplayweatherreportscombinedwith
marketinformationtogetherwithprescribedfarming guidelines.Farmerscanusemobileapplicationstoestablish buyerconnectionsdirectly,whicheliminatestheirneedfor intermediariesintransactions.
Precisionfarmingthroughdatatrackingsystemshas improvedfarmers'resourceusageandhasresultedin elevatedcropoutput.Theefficiencyofagricultural operationsisimprovedthroughdronesworkingalongside automatedirrigationsystems.Modernagricultural technologycombinationsbringhigherprofitsand sustainablefarmingpracticestothefarmers.
ImprovingTransportationandLogistics
theshipmentprogresslive,sotheyknowwheretheir deliveriesstandthroughout.Thisenhancesboth transparencyandreliability.
Newtechnology-drivensystems,bothforridesharingand ticketing,havemadepublictransportationoptions accessibletoawideraudience.Bettertrafficmanagement resultsfromITsolutionsbecausetheyimplementsmart signalsandautomatedmonitoringsystemstodecrease congestionwhileenhancingroadsafety.
Conclusion
TheIndianeconomyexperienceswidespreadpositive effectsfromITsolutionsthatboostoperational effectivenessanduserreachandoperationalefficiency.The futureexpansionofopportunitiesandinnovationwilloccur throughdigitaltechnologyadvancements.Organizations togetherwithgovernmentbodiesandprivatepeopleneedto adopttechnologicaldevelopmentstoachievemaximum performancecapabilities.TheproperimplementationofIT solutionshasrevolutionizedtransportationlogisticsthrough enhancedsupplychainmanagementalongwithimproved deliveryspeed.TheimplementationofGPStrackingalong withautomatedwarehousesandsmarttransportation systemsimprovedtheefficiencyofgoodsdelivery.Digital platformshelpcustomersmonitor
