Aggarwal said: "The idea of what a (debit or credit) card would look like in future is anybody’s guess. My idea is that it wouldn’t exist in the form of plastic. You can tokenise and digitise your card in your phone, watch, etc. I don’t think it will exist in physical plastic form in future. That time is not far away when paying will be a subconscious thing, not a conscious thing. It will be like the air you breathe."
He added: "We have to create trust in the ecosystem. It’s about convenience, safety and trust without friction. Today, whatever we do requires OTP. We are working to remove OTP and replace it with biometrics, and that would remove the friction aspect. We are enabling agentic commerce in the online world. The agents would work on your behalf to tell you what to buy, from where to buy and what’s the best deal."
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