In a world where everything is turning digital — from ordering food to bill payments — Jay Narendra Kotak is ensuring banking does not fall behind. As Co-Head of Kotak811, he’s spearheading the digital banking division of Kotak Mahindra Bank, one of India’s best private sector banks.

Jay’s priority? Banking as simple and convenient as your favorite app. Kotak811 is mobile-first India, with paperless account opening, zero-balance accounts, and rapid digital onboarding. It’s banking, but engineered for speed, convenience, and inclusion.

Equipped with an MBA from Harvard Business School and McKinsey & Company experience, Jay combines global thinking with intimate knowledge of Indian consumers’ needs. He frequently frames Kotak811 as a “startup within a bank” — taking fintech zeal and coupling it with the trust of traditional banking.

Although he’s the son of banking icon Uday Kotak, Jay is all about working his way to the top. He’s talked about the need for merit-based leadership in the modern corporate space and has active business interests with DINs registered 08003241 and 10171801.

Whether he’s talking about digital finance on the upswing or moving from saving to investing, Jay Kotak is clearly a person to keep an eye on in the future of Indian banking.