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Blog.

Fintech, AI, and product decisions. No frameworks. No fluff.

Fintech·2 min read15 Mar 2026

Interactive: The UPI Intent Flow (And Where It Breaks)

An interactive walkthrough of the UPI Intent flow with 6 failure modes and the PM response to each.

PM Craft·3 min read10 Feb 2026

The PM Who Reads the Code

You do not need to write production code. But you should be able to read a pull request and know what question to ask.

Fintech·3 min read15 Jan 2026

Walking Through a UPI Transaction: Nine Hops, Six Failure Modes

Most PM candidates talk about UPI. Almost none can explain what actually happens between tap and confirmation.

Tharun Kumar S

PM at the intersection of fintech infra, AI, and user behavior.

© 2026 Tharun Kumar · Built by hand
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