Imagine a future when you don’t need to go to a bank for a personal loan. You find someone willing to lend you the money, and get it transferred from his or her digital wallet to yours. No fuss, no muss. When it comes to a single move that has impacted several industries, it has to be the introduction and growth of digital wallets. There’s a record of all electronic transactions, so borrower and lender are safe. That’s where digital wallets are today: poised to disrupt retail financial services as we know them, especially retail payments. Arguably the best-known player in this space is Paytm, founded by 37-year-old Vijay Shekhar Sharma who is on our cover story this month- page 78 There’s a lot more in this first issue of 2016. On page 112 we examine how Zee’s Subhash Chandra is making the most of the smart cities project by strengthening his utilities play. A must read is on page 57 where we have brought you a story from Scandinavia. The Kornerup brothers who have based a global jewellery brand on the philosophies and traditions of India. Stay tuned for more exciting stories right through 2016.