India's digital payment market is expected to grow by $10 trillion by 2026. In a span of just six years, India, primarily a cash-based economy, now leads the world in real time digital payments, accounting for almost 40% of all such transactions. The mass adoption of UPI and cardless payments during the COVID-19 pandemic has extended far beyond the urban, to even rural India, an effect that left the experts in amazement. This rapid expansion of the digital payments systems is happening at a time when cybersecurity threats to payment systems are increasing globally. With organized criminal syndicates committing cybercrimes, India is not immune from these threats. The threat landscape in cybersecurity is constantly evolving and, with the rise of new technologies, it becomes even more challenging for organizations to secure their assets. We are already witnessing greater involvement from India and South Asia with having stakeholders coming forward and joining us as an Associate Participating Organization (APO). And, more importantly, on our 2023-2025 Board of Advisors, we have three leading organizations from this region, which is NPCI, HDFC Bank and NEPS, which is Nepal Electronic Payment Systems, joining the global Board of Advisors that shows the commitment from the region to improve the payment security, just not regionally, but globally. Today I would like to welcome two prominent leaders from the payment industry. And they are none other than Ms. Anuprita Daga, CISO, YES BANK and Mr. A V S Prabhakar, Chief Risk and Compliance Officer from Zeta. Both YES BANK and Zeta are Associate Participating Organizations of PCI SSC. We'll be talking about their experience as Associate Participating Organizations as well.