AirtelPaymentsBankAPBajointventurebetweenBhartiAirtelLtdandKotakMahindraBankLtdsaiditwillspendRs3000croretodevelopapanIndiabankingnetworkanddigitalpaymentsecosystemThroughtheir8020jointventureBhartiandKotakaimtodisruptabankingsystemthathasgraduallywokenuptochangingtechnologyandyetincurredheavycostsinservingcustomers