[6] Khera is the founder and Chief Executive Officer of the Financial Inclusion Network and Operations (FINO) Pay-tech.

[7] At the Alternate Channels Group, Manish designed a system that leveraged biometric paperless technology and no physical infrastructure to reach the unserved and underbanked population in India.

In 2006, Manish combined low-cost innovation aligned with customer ability and skill sets, the lack of infrastructure in India and the radical move by RBI to permit Business Correspondents to solicit and service customers, to successfully deliver banking services for the micro-segment (below poverty line population) along with business profitability.

His thought and innovative approach to the business has encouraged other players in the field to come up and create value chains for their customers of the same segment.

Under his leadership, FINO grew to service over 70 million customers across more than 50,000 Business Correspondent points, making it the largest globally.

Khera has received praise for his role as one of the thought leaders in the financial inclusion and micro-finance space in India.