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➟ Connected billing data from utilities with bank mandates, creating a seamless payment process. ➟ Turned profitable by 2008, focusing on sustainable growth over rapid expansion. ➟ Partnered with 25 of India's largest banks and numerous utility companies. ➟ Capitalized on the digital payments boom driven by smartphone proliferation. ➟ Raised $500,000 from a nationalized bank and regulatory fund despite scarce venture capital. THE billdesk!