Business models are changing using digital enablers more now than ever

It’s fair to say ‘go digital’ or sink, even in traditional sectors where new entrants are challenging entrenched players by revamping operations and client acquisition mechanisms.

KPMG in India works with clients to determine how their industry sector, business functions and digital capabilities need to change. We see that every sector has a real opportunity to engineer a different future through accelerating their digital journey, unlocking new opportunities for growth, agility, innovation and resilience.

For all the complexity, there is an optimum shape for your organization to deliver sustainable growth and outcomes that matter.

KPMG ranks #1 for overall quality of work in Technology, Media & Telecoms consulting by clients

KPMG received top ranking across multiple categories in TMT consulting in Perceptions of Consulting Technology, Media & Telecoms 2025 study published by Source.

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Bringing speed, agility, and reliability to the BFSI segment through reimagination of technology investments

Performance-based – Industry Tailored – Technology Enablement for automating business processes

Oracle Advisory provides services with a focus on Enterprise Integration, Business Intelligence and Governance, Risk and Compliance solutions

Helping organisations navigate complexity, modernise their operations, and build future-ready enterprises

Delivering technology transformation, digital engineering, automation, analytics through retail‑specific operating models and governance

How KPMG leverages low-code no-code platforms such as OutSystems to rapidly deploy solutions

Our awards and recognition

KPMG won 2026 Core Business Partner of the Year by ServiceNow for helping clients streamline workflow and unlock strategic value.

Automation Anywhere Pinnacle Partner of the year

KPMG in India recognised at Imagine India 2025 celebrating our leadership and commitment to drive innovation leveraging Agentic Automation and acknowledges our continued collaboration to deliver impactful, future-ready solutions for our clients.

Nozomi APJ Global System Integrator Award of the Year 2025

KPMG in India won the 2025 Nozomi APJ Global System Integrator Award of the Year for excellence in Operational Technology (OT) and cybersecurity across the Asia-Pacific and Japan region.

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Success stories and experiences of our valued clients

A global technology services provider required enhanced testing capabilities to support secure, integration-heavy digital platforms

Tripling conversion rates for one of India’s leading paints companies

Achieved significant EBITDA improvement through digital initiatives and established a pipeline of additional measures to drive a total improvement of approximately 15 per cent

How KPMG helped Happilo move their digital transformation onto the right track with a SAP S/4HANA Cloud implementation

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Our strategic relationships and alliances

Working together to build modern, intelligent, and resilient businesses.

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Driving growth with Technology trends

India International FinTech Festival 2026
Beyond digital infrastructure
KPMG 2025 Global Consumer and Retail CEO Outlook
NRF 2026: Retail's Big Show Asia Pacific, Singapore
SAP Connect Day
The India data centre story
Future‑Ready Retail
ET Great India Retail Summit and Awards 2026
Oracle AI World Tour 2026
AI skilling and capability building will determine India’s competitive edge

Hemant Jhajharia
Atul Gupta
Vishnu Pillai
Vaibhav Pachori

Hemant Jhajhria

National Head of Consulting

KPMG in India

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India's fintech story is not just about scale. It is about creating a blueprint for the future of digital innovation.

Built on the foundation of Digital Public Infrastructure (DPI), India’s fintech ecosystem has evolved into one of the world’s most tested and scalable models. With UPI powering billions of users and transactions, we have proven infrastructure, adoption at scale, and a customer base ready for innovation. As we build the AI layer on this foundation and unlock new use cases, the next decade of fintech growth in India could be truly transformative.
India's financial ecosystem generates unprecendented volumens of data, but data alone does not create value.

AI is emerging as the intelligence layer that connects information, decisions and action, enabling institutions to anticipate needs, manage risk more effectively and create more meaningful customer outcomes. Those who scale this capability responsibly will shape the next chapter of financial services

Atul Gupta

Partner and Head - Digital Trust and Cyber

KPMG in India

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Automation, data and AI has the power of significant transformation in the entire financial value chain. Adoption of new age digital tech needs to be balanced with the guardrails to sustain trust of the stakeholders.
Fintech has played a significant role in the Indian economy and wider societal inclusion. Digital fraud has also grown along with the ease of payments and need is to have measures deployed to enhance trust on a sustained basis.

Vishnu Pillai

Financial Services Technology Leader, Office Managing Partner - Kochi

KPMG in India

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India's fintech story over the past decade has been one of building trust at population scale. As financial institutions gain access to increasingly rich streams of transaction, identity and behavioural data, AI is emerging as the intelligence layer that transform information into insight, insight into decisions and decisions into action.

Looking ahead, India's opportunity extends beyond the adoption of AI technologies to building a financial ecosystem that is more inclusive, resilient and globally competitive.

Vaibhav Pachori

Partner, Cyber Strategy & Governance
KPMG in India

As AI becomes embedded in credit decisions, fraud detection, payments, customer engagement, and financial inclusion, the conversation highlighted a few powerful themes:

AI is rapidly becoming part of the financial system's critical infrastructure, making resilience and security a national priority.
Cybersecurity must evolve beyond protecting data to protecting algorithms, models, and AI-driven decisions.
Deepfakes, synthetic identities, and adversarial AI are redefining the threat landscape, requiring stronger digital identity and trust frameworks.
Innovation and regulation must move together. Governance, transparency, and accountability can no longer be afterthoughts.
Trust remains the ultimate currency. Citizens do not need to understand every algorithm, but they must have confidence that AI-driven decisions are fair, secure, and accountable.

India has a unique opportunity to demonstrate that innovation, cybersecurity, privacy, and public trust are not competing priorities, but mutually reinforcing foundations of a resilient digital economy.

As we build the AI economy, one message stood out above all: Trust should be our greatest asset, not our biggest vulnerability.

Hemant Jhajharia
Akhilesh Tuteja

Hemant Jhajhria

National Head of Consulting

KPMG in India

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India's fintech story over the past decade has been one of building trust at population scale. As financial institutions gain access to increasingly rich streams of transaction, identity and behavioural data, AI is emerging as the intelligence layer that transform information into insight, insight into decisions and decisions into action.

Looking ahead, India's opportunity extends beyond the adoption of AI technologies to building a financial ecosystem that is more inclusive, resilient and globally competitive.

Akhilesh Tuteja

Partner & National Leader, Clients and Markets

KPMG in India

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India has built a robust digital finance ecosystem powered by Digital public infrastructure, widespread digital adoption, progressive regulatory frameworks and a thriving culture of innovation. As this ecosystem continues to evolve, AI is emerging as the next transformative force, enabling smarter decisions, adaptive experiences and more autonomous financial operations.

India's next phase of fintech leadership is likely to be defined not by digital infrastructure alone, but by how effectively intelligence is embedded across the ecosystem.

Dr. Puneet Mansukhani

National Sector Head - Retail, Global Retail Head - Digital & Technology Transformation

KPMG in India

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The 2025 Consumer & Retail CEO Outlook highlights AI’s shift from pilots to scaled adoption, driving smarter operations and deeper consumer engagement.

For India, this presents a clear opportunity to build AI-led, agile business models – but success will depend on strengthening data foundations, scaling responsibly and translating investments into enterprise-wide impact. As consumer demand becomes more diverse and digital-first, technology will be the defining lever for resilience and differentiated growth in India’s retail landscape.

Dr. Puneet Mansukhani

National Sector Head - Retail, Global Retail Head - Digital & Technology Transformation

KPMG in India

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Customer experience continues to anchor strategy across global consumer and retail. AI is moving from promise to scale, with investments accelerating in agents, automation, and analytics.

At the same time, CEOs are leveraging AI to strengthen resilience, optimise energy use, and reduce carbon impact amid ongoing supply chain risks.

With geopolitical and climate pressures heightening price sensitivity, companies are prioritising cost discipline over pricing to sustain margins and protect demand
The future of retail is being shaped by the combination of humans and AI-driven intelligence to deliver better customer experiences. Equally compelling is the focus on radical supply chain automation as retailers adapt to serve the increasingly demanding "instant" consumer.

A few additional themes stood out:
- AI is rapidly moving from pilot programs to enterprise strategy.
- Hyper-personalization is becoming a key differentiator for growth and loyalty.
- Retailers are investing in unified commerce to create seamless experiences across every touchpoint.
- Execution, speed, and measurable business outcomes are now being discussed as key KPI's for investment.

Mandar Desai
Shreepati Shenoy

Mandar Desai

Partner

KPMG in India

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With SAP Grow, organisations can move from deployment to impact on day one. Built-in capabilities such as Joule, embedded AI and situation handling are not add-ons. They are integral to how decisions get made, risks are flagged early and processes continuously improve.

For CXOs, this means sharper visibility across operations, faster responseto change and measurable outcomes from the moment the system goes live. ERP becomes a growth lever, not just a backbone.

Shreepati Shenoy

Partner

KPMG in India

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Enterprise transformation is not a technology exercise - it is a leadership imperative focused on clarity of strategy, measurable outcomes, and people‑led change. With the right governance, disciplined planning, and value‑based metrics, SAP GROW can help organisations accelerate enterprise-wide transformation with speed and confidence.

Purushothaman KG

National AI Leader, and Head – Technology Transformation

KPMG in India

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The India data centre story is, at its core, a story of the country's pivot towards a digital economy, This shift is being driven not only by India’s role as a global exporter of technology services, but also by the rapid expansion of a domestic consumer base that is increasingly consuming digital and technology-led services.

The India Union Budget 2026’s tax holiday for foreign cloud providers using domestic data centres, extended till 2047, strengthens investor confidence by highlighting India’s cost and efficiency edge in data centre operations. It is expected to encourage existing facilities to scale international services, while prompting new and marginal players to adopt hybrid operating models that balance offshore capacity with increased deployment within India to optimise returns.

Mustafa Surka

Partner, Forensic Services, Risk Advisory Consumer Markets & Retail Leader

KPMG in India

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Retail is changing fast. From smarter decisions to richer customer experiences, everything now runs on AI, VR and AR. Retail tech is reshaping production planning, enabling quicker customer choices, and bringing 3D simulations and virtual trial rooms into the mainstream.

India is expanding and progressing at a strong pace. This makes it essential for every organisation to align with the Viksit Bharat 2047 vision and place digital transformation at the centre of their strategy. To stay competitive, companies need technology that helps them understand consumer needs, track market shifts, and forecast demand with accuracy.

Dr. Puneet Mansukhani

National Sector Head - Retail, Global Retail Head - Digital & Technology Transformation

KPMG in India

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AI will not create growth in isolation. It will first transform productivity, efficiency, and human capability and when those three align, revenue growth becomes inevitable and sustainable.

Neemit Deepak
Nitin Bharadwaj
Sameer Wadhawan

Neemit Deepak

Partner, TE-Oracle
KPMG in India

KPMG and Oracle share a strong commitment to advancing AI. Within KPMG India Oracle’s intelligent agents are integrated across core operational workflows, creating a seamless, holistic experience that supports every stage of delivery.

From SaaS to Fusion ERP, Fusion EPM and HCM, our teams are designing innovative capabilities that address client challenges and accelerate performance, productivity and overall operational strength.

Nitin Bharadwaj

Partner, TE-Oracle
KPMG in India

KPMG India and Oracle share a long-standing partnership that gives us a deep view into how organisations are adopting and scaling Oracle solutions. We approach every engagement not as a technology refresh but as a chance to drive meaningful transformation. Our teams bring KPMG's global experience in business processes and industry maturity to help clients unlock real outcomes.

AI is now central to how organisations operate. Our focus is to stay closely aligned to what customers expect from this shift. KPMG recognises how deeply AI is reshaping organisations, and we are partnering closely with clients to help them convert this shift into measurable value.

Sameer Wadhawan

Partner, TE-Oracle
KPMG in India

At KPMG India, our Oracle practice is reshaping how organisations operate and grow. Clients want more than tech upgrades. They want a partner who can help them accelerate change and stay ahead of what comes next.

We are combining KPMG's deep functional expertise with the scale of Oracle Cloud, and the real shift comes from how we are embedding AI into this journey. Predictive insights, automated controls, intelligent workflows and conversational interfaces are helping clients make faster decisions, boost productivity and elevate experiences.

Our teams are focused on unlocking the full power of the fusion rich AI ecosystem to drive meaningful impact.

Akhilesh Tuteja

Partner & National Leader, Clients and Markets

KPMG in India

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Training millions in AI and creating equitable access will be key to ensuring India remains competitive in the global digital economy. Even as India becomes one of the most consequential battlegrounds for AI investments globally, the success of billion-dollar commitments will hinge on the country’s ability to scale talent, build capabilities across sectors and ensure that the benefits of AI are broadly distributed.

Hear from the experts

India’s fintech story is not just about scale. It is about creating a blueprint for the future of digital innovation. Built on the foundation of Digital Public Infrastructure (DPI), India’s fintech ecosystem has evolved into one of the world’s most tested and scalable models

Watch on PTI News

How retailers can move beyond AI pilots to enterprise-wide transformation by aligning AI initiatives with business priorities, connected data, and scalable operating models

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Neemit Deepak shares how AI solutions will solve client problems and ensure that it acts as a catalyst to improve business efficiency

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Nitin Bharadwaj shares his insights on how transformation accelerates when right partnerships shape the journey at the Oracle AI World Tour

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Sameer Wadhawan shares his views on how the next wave of transformation is already here and how we are building it every day

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Puneet Mansukhani shares his experience at the NRF 2026: Retail’s Big Show.

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AI is not an enterprise tool, it's basically a layer to improve efficiency in a business function.

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Vivek shares his views on how AI is redefining enterprise finance at SAP Spend Connect 2025

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