Our Vision
At Tri O Tech, we strive to enable and build digital payments for everyone in India. We envision a cashless India, where every citizen is financially aware and independent. We aim to utilise our PPI to issue safer, faster, unified wallets and payment solutions.
For Bharat by Bharat
Financial empowerment of people is our ultimate goal.
- PM Narendra ModiBuilt for safety
and trust
Our risk and fraud engines are iron clad. Built meticulously to eradicate any suspicious activity at its root, our PPI stack comes with the highest safety standards and checks in place.
Technology
built for scale
At Tri O Tech, our stack is designed to handle large transaction volumes and scale payments rapidly. We always think of users first, ensure high payment success rates, and provide smooth resolution.
Our Products


Spending Wallet
Tri O Tech's PPI-UPI stack powers the payments of 10 million+ users of FamX

Accelerating Payments
We've helped built UPI and card payments stack as one of the fastest in the country.

Personalised cards
Card payments made fun for the users, while also safe and secure with Tri O Tech
People that make Tri O Tech possible
Meet the faces who believe in the power of financial inclusion.
Leadership

Sambhav Anand Jain
Director & CEO
Sambhav Anand Jain is the CEO and co-founder and part of the core management team at Tri O Tech, the authorised PPI issuer operating the digital payments app FamApp by Trio. Sambhav is a graduate of IIT Roorkee, he has been featured in the Forbes 30 Under 30 Asia 2021 list for his pioneering contributions to youth-focused fintech innovation. Under his leadership, FamApp was honoured with the Emerging UPI Player Award, presented by Finance Minister Nirmala Sitharaman. In his mission to drive a digital India, Sambhav works closely with government bodies and major financial institutions, including NPCI, UIDAI, and leading banks. Recognized as an industry leader, he is at the forefront of revolutionizing how India’s youth access secure and hassle-free digital payment services.

Kush Taneja
Director
Kush Taneja is a director at Tri O Tech, co-founder of FamApp by Trio and an innovator in the fintech industry. He shares a vision of making digital payments accessible to the youth of India and empowering them through seamless and inclusive financial solutions. He has been featured in the Forbes 30 Under 30 Asia 2021 list.

Anchit Shukla
Director
Anchit Shukla leads Product and KYC at the company, driving innovation in customer onboarding, verification, and platform security. He also oversees risk and fraud strategy, ensuring a trusted and compliant user experience. An alumnus of IIT Roorkee, Anchit was part of the founding team at FamApp, where he played a key role in shaping product vision and scaling systems. His expertise spans fintech product development, digital identity, and risk management in high-growth environments.

Prasanjeet Patil
Head, Legal and Policy and Escalation Officer
Prasanjeet Patil brings over seven years of dedicated experience as a fintech lawyer. Prior to joining Tri O Tech, he worked with leading law firms including Samvad Partners, Mumbai, and MCM Law, Bengaluru. He is a graduate of Symbiosis Law School, Pune. Throughout his career, Prasanjeet has advised a wide spectrum of regulated financial entities—such as NBFCs, PPI issuers, LSPs, and payment aggregators/gateways—on complex regulatory and compliance matters. His expertise spans fintech licensing, digital lending, payments regulations, and RBI-compliance frameworks. At Tri O Tech, Prasanjeet heads the Legal and Compliance function and also serves as the Company’s Escalation Officer, ensuring robust regulatory governance and operational integrity across the organization.

Vishal Jain
Head, Finance
Vishal Jain is a seasoned finance leader with over 15 years of experience across fintech, e-commerce, and mobility sectors. An ISB alumnus and CFA (US), CA, CS, he currently serves as Head of Finance at Tri O Tech Solutions Pvt. Ltd. He has successfully led fund-raising initiatives, strategic finance, M&A, and business transformation, driving growth, profitability, and financial governance across leading startups including Myntra, Bounce, and FamPay.

Richa Khandelwal
Principal Nodal Officer and Company Secretary
Richa Khandelwal is a qualified member of the Institute of Company Secretaries of India (ICSI) and currently oversees regulatory compliance at Tri O Tech. She also serves as the Nodal Officer of the Company. With over 10 years of extensive experience, Richa specializes in managing RBI compliances related to PPI, NBFC, and FEMA regulations. She is also a pioneer in handling diverse corporate and regulatory compliances applicable to companies under various statutory frameworks.

Manan Vishal Manocha
Secondary Nodal Officer and Head - Customer Support and Operations
Manan Manocha is a seasoned customer experience and operations leader with deep expertise in building scalable support systems for high-growth fintech companies. He previously served as the Head of Customer Service at Slice for five years, where he led customer support strategy and operations and also served as the Nodal Officer. During his tenure, Manan played a key role in developing robust and scalable service frameworks, driving regulatory compliance, and leading customer-first initiatives that strengthened Slice’s reputation for exceptional service in the fintech ecosystem. Manan currently serves as the Head of Support at FamApp.
Team

Sandeep Srinivasan
Chief Information Security Officer

Chirag Maheshwari
Head of Engineering

Harjot Singh Oberai
Head of Information Technology

Saransh Agarwal
Head - Risk, Fraud and Payments

Raghav Sharma
Engineering, Senior Manager

Ritwick Bhaduri
KYC, Senior Manager

Amarnath Subburaj
Operations Manager - Customer Support

Abhishek Das
Engineering

Arpita Singh
Risk & Fraud Ops

Mohammed Muazz Zuberi
Product

Shikhar Tyagi
Engineering

Sandeep Singh
Engineering

Pranav Jain
Engineering

Banuteja B
IT

Aneesh Panda
Engineering

Akschaya Balaji
Product

Lisha Kothari
Product

Sheeba Khan
Team Lead - Customer Support

Syed Muzammil
Team Lead - Customer Support

Syed Salahuddin Ghaznavi
Trainer - Customer Support

Santosh Tamanna Vaddar
Subject Matter Expert - Customer Support

Sagar Shashikant Shah
Subject Matter Expert - Customer Support

Simal Ahmed P
Senior Executive - Customer Support

Syed Saif
Senior Executive - Customer Support

Shahnaz Banu
Senior Executive - Customer Support

Shaik Saleem
Auditor - VKYC

Moin Akhtar Mallick
Auditor - VKYC

Anil Kumar P S
Senior Team Lead - Customer Support

Supriya C
Quality Team Lead - Customer Support

Mohammed Aqib
Subject Matter Expert - Customer Support

Mohammed Zuhair Ahsan
Subject Matter Expert - Customer Support

Akshit Sahu
Auditor - VKYC

B Likhit
Auditor - VKYC