What happens when credit becomes invisible, intelligent and truly embedded into our daily lives? In this episode of Money Majlis, Suvo Sarkar sits down in Dubai with Gaurav Kumar (GK), founder and CEO of Indian unicorn Yubi, the AI-powered operating system for debt markets. Together they unpack how a company born in Chennai during the pandemic is quietly rewiring how money moves for consumers, MSMEs and banks from India to MENA, Southeast Asia and now the US.

In this episode of Money Majlis, host Suvo Sarkar sits down with former colleague Dr. Tariq bin Hendi, Vice Chairman and CEO of Astra Tech, to unpack how Botim is transforming from a simple VoIP calling app into an AI-native fintech powerhouse for the UAE and beyond. It is a conversation that weaves together policy, technology, inclusion, and leadership-anchored in one of the region’s most ambitious experiments in embedded finance.