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I am a passionate product leader, speaker and a mentor. I believe that right attitude is…
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Articles by Abhishek
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Making mindful food choices for health & wellness
Making mindful food choices for health & wellness
What is the most important ingredient for healthier lifestyle as far as fitness is concerned? Is it regular workout…
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Save time by making time for your body!
Save time by making time for your body!
Colleagues, friends and family come to me for advice on how to live healthier lives. And I always recommend a…
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Improving relationships at work through mindfulness
Improving relationships at work through mindfulness
About 4 years ago I started looking at mindfulness as a tool to live a fuller & more satisfying life. I saw tremendous…
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Activity
8K followers
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Abhishek G. reposted thisAbhishek G. reposted this💳 Visa and Mastercard just closed another strong year. But the quality of growth is quietly shifting.. Visa and Mastercard delivered solid FY2025 results: • GDV up 7% (Visa) and 9% (Mastercard) • Net revenue up 12% and 16% respectively • Value-added services increasingly driving the upside On the surface: business as usual. Under the hood? A few trends stand out: 1️⃣ Cross-border growth is slowing — for the third consecutive year Visa cross-border growth decelerated from 15% → 12%. Mastercard from 18% → 15%. Still strong. But the post-pandemic rebound tailwind is fading. 2️⃣ The global card mix is shifting Visa is leaning more into credit (+13% credit card growth). Mastercard is leaning more into debit (+11% debit card growth). Interestingly, Visa saw average spend per credit card decline, suggesting volume growth is increasingly card-count driven, not purely spend driven. 3️⃣ Tokenization is becoming core infrastructure Over 50% of Visa transactions are now tokenized. Mastercard is nearing 40%. Tokenization isn’t just security anymore — it’s embedded into wallets, credentials-on-file, and digital commerce optimization. 4️⃣ Incentives remain aggressive Client incentives as a % of GDV continue to rise. Competition between networks, and against local schemes + account-to-account rails, is very real. The big picture: Card networks are still compounding at impressive scale. But the growth mix is changing: Less pure cross-border momentum. More value-added services. More technology layers on top of the rails. I highly recommend reading the complete source article with more interesting info & stats on this topic by Flagship Advisory Partners: https://lnkd.in/dYuzUBzU Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁] Nice story, Marcel. Next! [ 𝗹𝗶𝗸𝗲 ]
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Abhishek G. reposted thisAbhishek G. reposted thisIt's heartbreaking to watch a company you love, where you spent the best years of your career, slowly become the Nokia of its industry. I learnt a lot at PayPal and a lot of our network plumbing and operating model at Tazapay is inspired by PayPal, while the product philosophy is inspired by Stripe. I wish the new CEO all the very best and wanted to share some lessons and learnings from things I observed as PayPal became more internal showmanship focussed, which we could use in our companies, big or small 1. Customer feedback is the signal, everything else is noise. Don't let internal opinions and politics drown out the voice of the customer. Your customers are your north star 2. Beware of the internal storytelling. When the story you're telling internally is more positive than the reality of your metrics, you're in trouble. Be ruthlessly honest with yourselves 3. Promote the makers, not just the talkers. Reward the people who build great products, not just the people who are good at presenting them (The 'attributers') . A culture of craft is a culture of excellence 4. Do not let leaders make personal fiefdoms, who then prioritise their success over the company’s success, especially watch out for the pure strategy guys :) 5. Don't mistake acquisitions for innovation. Acquire for innovation, capabilities and synergy and not just to buy growth. True innovation comes from a deep understanding of customer needs and a relentless focus on solving their problems. Let's build companies where the pirates don't become the politicians, and the music never dies. Kanupriya Sharda Aayush Singhania
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Abhishek G. shared thisI think all companies need this!Abhishek G. shared thisI’ve spent the last year working on a problem hiding in plain sight: organizations lose their most valuable asset when experts leave, take time off, or get buried answering the same questions. The issue isn’t missing documentation. Tools like Notion, Slack, wikis, and decks organize information well. They still don’t explain how experts think. Expertise doesn’t live in documents—it lives in people’s heads: judgment, context, and the why behind decisions. So we built HyperMatter Alpha. It’s not a chatbot. Think of it as an Expert OS—software that captures what your people know (not just what they’ve written down) and makes it accessible through conversation. Voice, video, or text. In 11 languages. Setup in 5 minutes. Here’s what we’re seeing: A hospital piloting it as a chemotherapy educator—conversations instead of PDFs A university using it as a 24/7 AI admissions counselor to answer complex questions about financial aid A Fortune 50 deploying it in their Executive Briefing Center for interactive demos Organizations with high-value expertise and endless repeat questions finally have a way to scale knowledge without burning out their best people. When was the last time someone handed you a doc and you still had questions? Curious—where does knowledge break down in your organization? #KnowledgeManagement #EnterpriseAI #ConversationalAI #DigitalTransformation #FutureOfWork
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Abhishek G. reposted thisAbhishek G. reposted thisA new theory that suggests awareness arises from the synchronization of electromagnetic fields, similar to how an orchestra creates music. While the traditional view focuses on neurons as the primary component, this alternative perspective posits that neurons act as instruments that create the energy waves, with the "magic" of consciousness emerging from the resonance and interference patterns between them. Here are some examples how this theory works: •Energy waves from neurons: When neurons fire, they generate an electromagnetic field. This field carries information and is detectable with instruments like EEGs and MEGs. •Information integration: Electromagnetic field is not just a byproduct but the actual "seat of consciousness". It suggests that the information from individual neurons is integrated and amplified through the brain's overall energy field. •Consciousness as resonance: Sometimes called the "resonance theory of consciousness," views consciousness as an emergent property of these synchronized energy waves, much like how a unified musical piece emerges from many different instrument notes played in harmony. Overall, this theory has the emergence of “conscious networks” is not exclusive of large brain areas, but can be identified in subcellular networks exhibiting nontrivial quantum phenomena. Learn more: https://lnkd.in/gYiJAw4u One love #brain #connection #energy #waves
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Abhishek G. reposted thisAbhishek G. reposted thisIf you sleep under 6 hours a night, your brain starts clearing memories instead of storing them. If you wake up to emails instead of sunlight, your cortisol spikes by 40% before breakfast. If you check your phone within 3 minutes of waking up, you train your brain for chaos, not calm. If you skip rest days for a month, your nervous system forgets how to relax. If you work 10-hour days without breaks, your creativity drops by 60% — and you call it “productivity.” If you scroll past midnight, you steal REM sleep — the part that repairs your emotions. If you eat in front of screens every day, your body forgets what hunger and fullness even mean. If you keep saying “I’ll rest later,” you’ll burn out sooner — 3x faster than you think. If you never talk about stress, it starts talking through your body — as headaches, fatigue, or panic. If you live on caffeine, you’re just renting energy from tomorrow. But if... If you breathe deeply for 2 minutes, you reset your vagus nerve — your body’s calm button. If you step away from your screen for 10 minutes every 2 hours, you cut mental fatigue in half. If you spend 20 minutes in sunlight, you lift serotonin and stabilize your mood for the day. If you sleep 7–8 hours in darkness, you heal your brain and lower anxiety by 30%. If you talk — really talk — to someone once a week, you lower your risk of depression by 40%. If you move, stretch, walk, or dance, you remind your body it’s safe — not stuck in survival. If you choose calm over chaos today, you’ll think clearer, love deeper, and live longer. Because burnout doesn’t begin with exhaustion. It begins with ignoring small signs your body whispers every day. The noise of the world won’t stop. But you can choose stillness within it. Protect your calm. That’s your real health insurance.
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Abhishek G. reposted thisAbhishek G. reposted thisI'm hiring! Want to make an impact on billions of people worldwide? Join us at Visa Direct! We’re looking for leaders who can inspire, innovate, and partner with high-performing teams to deliver exceptional business outcomes. If you’re passionate about building capabilities and driving change, this is your opportunity to lead mission-driven teams and shape the future of payments. https://lnkd.in/g87EA67b https://lnkd.in/g_BrhX_n
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Abhishek G. shared thisThe depth of relationships and laughter, even if induced artificially (laughter yoga) can have profound impact on health.Abhishek G. shared thisNeuroscience just confirmed: The depth of your relationships is the single greatest determinant of longevity according to Harvard in the longest-running study on human flourishing. In the stillness of the present moment the one you often overlook lies your most precious asset: Presence = Attention + Intention. There will be a last time your child asks you to read them a chapter before sleep. A last time they run up and leap into your arms, laughter ringing like a tidal wave of innocence. A last time they crawl into bed after a nightmare, needing the safe harbor of your heart’s coherence. And one day, when you look back, you’ll realize how few of those moments remain. We pour energy into careers, into futures, into the next big milestone yet our 90-year-old self will quietly ask: “How many of these tiny, sacred exchanges did I truly see, feel, and embody?” Because the Harvard Study of Adult Development now spanning over 85 years reveals something profound: It’s not your genes. It’s not your income. It’s not even your IQ. It’s the quality of your relationships emotional warmth, trust, belonging — that most strongly predicts a long, healthy, meaningful life. Researchers call it social fitness: the ability to cultivate deep connection. Those who do not only live longer they live better. And right now, you are living your relational legacy. Your greatest investment isn’t closing the deal or finishing the project. It’s this very moment sitting across the kitchen table, the shared laugh, the silent glance, the shoulder to shoulder. Heart to heart hugs. These minutes are the living architecture of your lifespan. The heart–brain axis pulses whenever we are truly present with those we love. When you attune your vagus nerve, soften your amygdala, ignite your prefrontal cortex in compassionate resonance you create a frequency of belonging that rewires neural pathways, harmonizes your biology, and aligns with a timeless truth: “For where your treasure is, there your heart will be also.” — Matthew 6:21 Your relationships are your longevity. So I invite you: Turn off autopilot. Lean in. Look into their eyes. Ask from the heart the question your younger self would ask your older self: “Will I wish I spent even one more minute here, doing this?” And when you say yes — yes to deep connection, yes to embodied presence, yes to the sacred simplicity of now — you don’t just live longer. You thrive longer. In laughter, in meaning, in communion. For we are all one expression of God’s endless love, remembering itself through relationship. The present is the only moment you are guaranteed in this human life. Spend it wisely. With those you love. In ways you’ll never regret.
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Abhishek G. shared thisSo true. I miss this!Abhishek G. shared thisINDIA SERIES - 09: In India, we went out for dinner with our kids. With fear... Because in Germany, going to a restaurant with kids is a nightmare. They slide restlessly on their chairs. They talk too loud. They play with the cutlery until a knife hits the floor. One crawls under the table. The other shouts, “I’m hungry!” And then it happens, that silence. That wall of stares from the next table. Tight smiles. Raised eyebrows. The kind that says, Can’t they control their kids? Why even bring them? You feel it in your stomach. That heat of embarrassment. You start whispering, “Please sit still.” “Be quiet.” “Don’t run.” The food takes forever. When it finally comes, it’s too hot. By the time it cools down, we’ve lost our nerves. We eat fast. Apologise faster. And leave with that quiet shame that follows you home. So yes, when we went out in India, we were scared. Scared it would be the same. The kids start running between the tables. My body reacts before my mind does. I take a breath, ready to whisper my best German “Sorry.” And then something unexpected happens. The waiter smiles. High-fives them. No one looks twice. There’s music. The kids start to dance. And suddenly the whole room changes. People smile. Some clap along. Other kids join. The air fills with laughter, movement, warmth. It’s not chaos. It’s connection. Not bad behaviour. Just joy, shared. For a second, I almost stand up to stop them, but I don’t. Because maybe leadership isn’t about keeping order. It’s about letting go of control and trusting what happens next. About believing that energy, loudness, and curiosity don’t destroy harmony, they create it. Back in Germany now... that’s still the hardest part. Not to regulate. Not to correct. Not to say "shhhhh". And to remember what India taught us: That freedom needs space. That love is louder than rules. 👉 When was the last time you stopped managing and started trusting? 📍 Every Friday, I’ll share a story from my time in India. Thanks to Céline Flores Willers for inspiring me to revisit my old work stories. 🫶🏻 And my biggest thanks to my kids, who teach me leadership lessons every single day, and keep reminding me what truly matters in life. #Leadership #India #Empathy #Culture
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Abhishek G. shared thisAs part of my Corporate Development Mergers and Acquisitions course at Wharton my case studies and assignments were focused on acquisition opportunities in the crypto space. My analysis pointed to BVNK's acquisition by a payment network or crypto issuer such as Coinbase. Interesting to see this actually happen!Abhishek G. shared this🚨 Coinbase in late-stage talks to acquire BVNK for $𝟮 𝗯𝗶𝗹𝗹𝗶𝗼𝗻. Here's what we know: If it closes, this would be a major play in the global stablecoin infrastructure race, and a big step toward Coinbase’s ambition to become a leader in payments, not just crypto trading. BVNK lets merchants accept payments (including stablecoins), perfectly aligned with Coinbase Business, launched earlier this year to offer payments, invoicing, and treasury tools for companies. With almost 20% of Coinbase’s Q3 revenue already coming from stablecoins, this deal could accelerate their shift toward USDC-powered commerce. Source/more info: https://lnkd.in/dXPukPah Just a few weeks ago, it looked like a race between Mastercard and Coinbase to acquire BVNK (more info: https://lnkd.in/dZHSM377), but Coinbase appears to have crossed the finish line first, while Mastercard has shifted its focus to Zerohash, reportedly preparing a $2 billion acquisition of its own: https://lnkd.in/daVrh--8 Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁] Nice story, Marcel. Next! [ 𝗹𝗶𝗸𝗲 ]
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Abhishek G. reacted on thisAbhishek G. reacted on thisWe’re opening a new office in San Francisco and earlier this week we held a Ganapathy Pooja. For many of us, this symbolizes new beginnings — seeking wisdom, clarity of thought, and hopefully a bit of prosperity and harmony as well. We also had our quarterly EXCO gathering this week. One thing I’ve always done differently is invite the partners of our executive team for dinner. Startups demand a lot — long hours, constant travel, and the mental load that comes with building something from scratch. Behind every leader doing this work is often a partner making quiet sacrifices along the way. It’s always one of my favourite evenings of the year. It reminds me that what we’re building is not just a company, but a community of people and families committed to the journey. Excited for the next chapter as we grow in San Francisco. Andre Mancl Danielle Gotkis Spencer Hanlon Anupam Pahuja Amaresh Mohan Chandrasekhar Cidambi
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Abhishek G. reacted on thisAbhishek G. reacted on thisI gave my AI agent a name, a wallet, and access to music generation tools. It made this track autonomously. No human touched the production. The agent searched for sounds, generated the beat, and published it to YouTube. Cost: $0.25 in USDC. This is what agentic commerce looks like when you move past the slide deck. Agents don't just answer questions. They create, transact, and distribute. We're about to see a wave of AI agents with wallets that can pay for services, license content, and sell output, all without human intervention. The payments infrastructure for this is being built right now. 🦞 https://lnkd.in/gimnMvpcNeon Reef — Lobster Beach | 1 Hour Jazz Reggae Fusion | Vibe Coding MusicNeon Reef — Lobster Beach | 1 Hour Jazz Reggae Fusion | Vibe Coding Music
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Abhishek G. reacted on thisAbhishek G. reacted on thisLooks like just another group selfie. It isn't. This is the team in Foster City, gathered to celebrate a launch while our coworkers in Singapore, China, and Bangalore sleep. Different time zones. Same goal. Same pride. In January 2026, Visa and Apple made it possible for Chinese cardholders to add their Visa cards to Apple Pay for the first time, enabling payments at merchants everywhere Visa is accepted, in-store, in-app, and online. Eight issuing banks live at launch. Network Tokenization securing every transaction. The kind of launch that looks simple from the outside. It wasn't. It required navigating regulatory complexity with no clean precedent. Apple's product requirements, the country's complex regulations and Visa's modern network token stack met - which meant weeks of product design, escalations and pivots, that could have gone sideways at any point. Eight banks. A market where nothing about international payments is straightforward. I led the global product design and execution through all of it. The sleepless nights weren't mine alone — they were ours. Some of us didn't have a life for stretches of it. And, I got married in the middle. Somehow! Most of the people in this photo aren't mainland consumers. Many don't own a Chinese iPhone. They may never use this product themselves. And yet every single one of them is beaming. Because the work isn't really about the product you use yourself. It's about knowing confidently that somewhere, a Chinese cardholder just tapped their phone at a terminal in Paris or Tokyo or Buenos Aires - and it worked. Seamlessly. Invisibly. Exactly as it should. We made that happen. I brought cake cos that's what I do. Celebrating the people who make the hard things look easy 😊 #Visa #ApplePay #Payments #Tokenization #DigitalPayments #ProductLeadership
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Abhishek G. reacted on thisAbhishek G. reacted on thisso… who��s buying PayPal? It has the potential of being one of the great distressed value opportunities in fintech history. Down ~85%, still generating $5.5B in FCF, 400M consumer accounts with bank info, checkout buttons on millions of merchant sites, and a peer-to-peer brand in Venmo. Stripe and Apple both have obvious strategic logic- Stripe wants consumer-facing checkout and Venmo’s brand, Apple wants ecommerce penetration and social payments. But cultural fit makes both a nonstarter. PayPal is a sprawling legacy fintech with 25k employees and decades of technical debt. Neither would want to absorb that imo, and Apple would face Big Tech antitrust issues. Visa & Mastercard could both afford it and have been creeping into merchant acquiring and checkout. PayPal’s checkout button placement is enormously valuable real estate for either network. But either one acquiring the largest independent online checkout provider would (& should!) face brutal regulatory scrutiny. What about Elon? He cofounded PayPal and always wanted it called X, there’s poetry in it coming back under his fold. X + PayPal + Venmo could be the Western super app play he’s always wanted. But his bandwidth is spread impossibly thin, and PayPal’s technical debt is a challenge he knows well. I would never count him out, but I just don’t see it. IMO, JP Morgan makes the most sense. They’ve spent heavily on payments and an acquisition gets them closer to a consumer super app. $50B would be huge even for them, but they could stomach it. Venmo gives them a P2P brand they’ve never built, especially among younger consumers. PayPal’s branded checkout sits on millions of merchant sites, distribution JPM has never cracked at scale. The BNPL book complements Chase’s card lending, and Braintree combined with Chase Merchant Services would create a strong acquiring platform. Regulatory approval from OCC, Fed, and FDIC would be a gauntlet, and cultural integration risk is real for anyone acquiring PayPal. Other massive banks could be potentials (BofA, Citi, Wells, in that order), but none seem as ambitious. Would be ironic for the company that was supposed to eat the banks to get eaten by one. Final thought: PE. Still spitting off $5.5B in FCF with assets you could split off into pieces after cutting costs aggressively. Anyone I missed?
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Abhishek G. reacted on this0→1 → now scaling Proud to see Tote go live at Hucks as the first AI-native POS deployment in the c-store space. Fuel, retail ops, real customers — now running on an AI-first foundation. Grateful to the operators willing to build what’s next.Abhishek G. reacted on thisHuck's Market becomes the first convenience store chain to successfully deploy Tote.ai's AI-native point-of-sale platform, built specifically for fuel and convenience retail. As Tote's first c-store design partner, Huck’s played an integral role in shaping the platform by providing real-world operational insight that informed workflows, usability, and live-store performance. The initial deployment at Huck’s flagship store in Carmi, Illinois marks the start of a chain-wide rollout across 135 locations. Meaningful industry transformation begins with operators who are willing to lead. Read how this deployment is redefining modern convenience retail: https://lnkd.in/gCC7-6eh
Experience & Education
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Visa
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Licenses & Certifications
Patents
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Remote Server Encrypted Data Provisioning System and Methods
Filed US 14/867,947
Courses
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Beginners Spanish Language Course - UCSD
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Fundamentals of Finance - SDSU
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Project Management - UC Berkeley Extension
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Terrific Technical Presentations - Stanford Continuing Studies
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Organizations
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Beyond Intent
Board of Director
-Beyond Intent Inc. is a 501(c)(3) approved non-profit organization founded in San Diego in 2008. It has taken up projects to help educate the underprivileged students in USA and India. The organization has raised over $40,000 helping 360 students since its inception. For more information please visit http://www.beyondintent.org
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