India’s Scale Demands Planning For Failures Beyond Your Stack: Razorpay’s Prabhu Ram

Building reliable digital payments at India’s scale requires planning for failures in infrastructure a company does not control, according to Razorpay’s SVP of engineering Prabhu Ram. Speaking at Inc42’s inaugural ‘The CTO Summit 2026’, Ram said companies must assume that disruptions can originate both within their own systems and in the underlying technology operated by other players. “But in the case of any of us here, we don’t own all seven layers,” Ram said.